The Scotiabank Platinum American Express Card delivers a premium combination of travel rewards, lounge access, no foreign transaction fees, extensive insurance and a low 9.99% interest rate. Cardholders earn 2 Scene+ points per $1 on all eligible purchases and up to 5 points through eligible Scene+ Travel bookings. The advertised offer of up to $3,000 in value during the first 14 months adds substantial potential value for eligible new cardholders who can use its travel and lifestyle benefits.
RateBuddyCredit card guide
ISSUER REVIEW
Best Scotiabank Credit Cards in Canada
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Scotiabank cards are worth comparing by reward fit
Scotiabank cards often connect to Scene+ rewards, cash back, travel benefits, and no-FX fee use cases. RateBuddy helps organize fees, rewards, welcome offers, benefits, and everyday usefulness so you can compare the lineup clearly.
Scotiabank details to compare
- Scene+ and cash back options
- No-FX fee and travel card features
- Annual fees and welcome offers
- Benefits, insurance and eligibility
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Compare Top Scotiabank Cards — October 2026
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Ready to refine
Earn up to $3,000 in value in 14 months, including 100,000 bonus Scene+ points.*
Get Ratebuddy Cash Rebate:
$200
Annual fee
$399
Purchase APR
9.99%
Cash advance
9.99%
Scotiabank®
Best for
Travel Rewards
Low Interest
Premium
Best for
Travel Rewards
Low Interest
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$3,000
Estimated rewards from spending
Based on $1,500 in monthly spending
$0
First-year annual fee
Fee charged during the first year
$399
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$2,601
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 0% | $0 |
| Dining | $300 | 0% | $0 |
| Gas and transit | $150 | 0% | $0 |
| Travel | $75 | 0% | $0 |
| Recurring bills | $75 | 0% | $0 |
| Other purchases | $450 | 0% | $0 |
RateBuddy cash rebate
This separate rebate is not included in the card value or ranking above.
+$200
Potential first-year value with RateBuddy rebate
$2,801
Estimate notes
- No usable reward rate is configured, so spending rewards were not estimated.
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$399
Primary cardholder
Purchase APR
9.99%
Regular purchase rate
Cash advance APR
9.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
0%
Foreign-currency purchases
Additional card fee
$99
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$12,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Get up to $2,600 in first-year value, including up to 40,000 bonus Scene+ points. Conditions apply.
Annual fee
$199
Purchase APR
20.99%
Cash advance
22.99%
Scotiabank®
Best for
Travel Rewards
Business
Premium
Best for
Travel Rewards
Business
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$2,600
Estimated rewards from spending
Based on $1,500 in monthly spending
$0
First-year annual fee
Fee charged during the first year
$199
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$2,401
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 0% | $0 |
| Dining | $300 | 0% | $0 |
| Gas and transit | $150 | 0% | $0 |
| Travel | $75 | 0% | $0 |
| Recurring bills | $75 | 0% | $0 |
| Other purchases | $450 | 0% | $0 |
Estimate notes
- No usable reward rate is configured, so spending rewards were not estimated.
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
The Scotiabank Passport Visa Infinite Business Card is a compelling option for business owners who want straightforward rewards alongside useful travel benefits. Its flat 1.5 Scene+ points per dollar on eligible purchases makes everyday business spending easy to manage without tracking different category rates. No foreign transaction fees, six complimentary lounge visits and a broad selection of travel insurance benefits give the card particular appeal for owners who travel or regularly make foreign-currency purchases. Beyond travel, Visa Spend Clarity and Visa SavingsEdge add practical tools and savings opportunities. The $199 annual fee is easiest to justify when these benefits become part of your regular business routine. Owners who rarely travel, carry an ongoing balance or would struggle to meet the welcome offer’s spending requirements should weigh those costs carefully. Overall, this is a well-rounded business rewards card for owners who value simplicity, travel convenience and expense-management support.
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$199
Primary cardholder
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
22.99%
When available
Foreign transaction fee
0%
Foreign-currency purchases
Additional card fee
$50
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$60,000
Minimum household income
$100,000
Approval, rates and credit limits are determined by the card provider.
Earn up to $1,250 in first year welcome offers, rewards and savings*
Get Ratebuddy Cash Rebate:
$125
Annual fee
$150
Purchase APR
20.99%
Cash advance
22.99%
Scotiabank®
Best for
Travel Rewards
Premium
Rewards
Best for
Travel Rewards
Premium
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$1,250
Estimated rewards from spending
Based on $1,500 in monthly spending
$0
First-year annual fee
Fee charged during the first year
$150
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$1,100
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 0% | $0 |
| Dining | $300 | 0% | $0 |
| Gas and transit | $150 | 0% | $0 |
| Travel | $75 | 0% | $0 |
| Recurring bills | $75 | 0% | $0 |
| Other purchases | $450 | 0% | $0 |
RateBuddy cash rebate
This separate rebate is not included in the card value or ranking above.
+$125
Potential first-year value with RateBuddy rebate
$1,225
Estimate notes
- No usable reward rate is configured, so spending rewards were not estimated.
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
The Scotiabank Passport® Visa Infinite +* Card is a compelling premium travel card for Canadians looking for meaningful travel benefits and flexible Scene+ rewards. With no foreign transaction fees, six complimentary airport lounge visits, extensive travel insurance and strong earning opportunities in popular spending categories, the card offers a well-rounded combination of everyday rewards and travel value. The current offer of up to $1,250 in first-year welcome offers, rewards and savings adds even more potential value for eligible new cardholders.*
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$150
Primary cardholder
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
22.99%
When available
Foreign transaction fee
0%
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$60,000
Minimum household income
$100,000
Approval, rates and credit limits are determined by the card provider.
Go for Gold: Earn up to $950 in First-Year Value, including up to 50,000 bonus Scene+ points.**
Get Ratebuddy Cash Rebate:
$200
Annual fee
$120
Purchase APR
21.99%
Cash advance
22.99%
Scotiabank®
Best for
Travel Rewards
Premium
Rewards
Best for
Travel Rewards
Premium
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$950
Estimated rewards from spending
Based on $1,500 in monthly spending
$0
First-year annual fee
Fee charged during the first year
$120
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$830
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 0% | $0 |
| Dining | $300 | 0% | $0 |
| Gas and transit | $150 | 0% | $0 |
| Travel | $75 | 0% | $0 |
| Recurring bills | $75 | 0% | $0 |
| Other purchases | $450 | 0% | $0 |
RateBuddy cash rebate
This separate rebate is not included in the card value or ranking above.
+$200
Potential first-year value with RateBuddy rebate
$1,030
Estimate notes
- No usable reward rate is configured, so spending rewards were not estimated.
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
The Scotiabank Gold American Express Card is a feature-rich choice for Canadians who want strong everyday rewards alongside useful travel benefits. It earns up to 6 Scene+ points per $1 at participating grocery partners, 5 points on dining and entertainment, and 3 points on gas, transit and streaming. No foreign transaction fees, Amex Experiences and airport-lounge access add further value, while the $120 annual fee can be waived with an eligible Scotiabank bank account.
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$120
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
0%
Foreign-currency purchases
Additional card fee
$29
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$12,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Earn 15% cash back for 3 months + 0% balance transfers for 12 months + first-year annual fee waived*
Get Ratebuddy Cash Rebate:
$150
Annual fee
$120$0
First year waived
Purchase APR
20.99%
Cash advance
22.99%
Scotiabank®
Best for
Cash Back
Balance Transfer
Premium
Best for
Cash Back
Balance Transfer
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$300
Estimated rewards from spending
Based on $1,500 in monthly spending
$0
First-year annual fee
$120 first-year fee waiver applied
$120
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$300
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 0% | $0 |
| Dining | $300 | 0% | $0 |
| Gas and transit | $150 | 0% | $0 |
| Travel | $75 | 0% | $0 |
| Recurring bills | $75 | 0% | $0 |
| Other purchases | $450 | 0% | $0 |
RateBuddy cash rebate
This separate rebate is not included in the card value or ranking above.
+$150
Potential first-year value with RateBuddy rebate
$450
Estimate notes
- No usable reward rate is configured, so spending rewards were not estimated.
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Cash Back
First year free
RateBuddy editorial perspective
RateBuddy’s take
Scotia Momentum® Visa Infinite +* Card
The Scotia Momentum® Visa Infinite +* Card is a strong premium cash-back option for Canadians who spend regularly on groceries, recurring bills, gas and transportation. Its 4% cash-back categories are especially valuable for household expenses, while flexible cash-back redemption, mobile-device coverage and a broad insurance package add practical everyday value. The current 15% cash-back offer, first-year annual-fee waiver and 0% introductory balance-transfer rate make the first-year package particularly attractive for eligible new cardholders.
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0 first year
Then $120 annually
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
22.99%
When available
Foreign transaction fee
2.50%
Foreign-currency purchases
Additional card fee
$50
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$60,000
Minimum household income
$100,000
Approval, rates and credit limits are determined by the card provider.
Earn 5% cash back, get a 0.99% balance-transfer rate and pay no annual fee.*
Ratebuddy Cash Rebate:
$60
Annual fee
$0
Purchase APR
20.99%
Cash advance
22.99%
Scotiabank®
Best for
Cash Back
No Annual Fee
Balance Transfer
Best for
Cash Back
No Annual Fee
Balance Transfer
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$100
Estimated rewards from spending
Based on $1,500 in monthly spending
$130.50
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$230.50
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 0.5% | $18 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 0.5% | $4.50 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 0.5% | $27 |
RateBuddy cash rebate
This separate rebate is not included in the card value or ranking above.
+$60
Potential first-year value with RateBuddy rebate
$290.50
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Cash Back
The Scotia Momentum No-Fee Visa Card offers an approachable way to earn cash back without paying an annual fee. Its 1% earn rate covers several common household categories, while 0.5% applies to other eligible purchases. The introductory 5% cash-back offer and 0.99% balance-transfer rate add attractive promotional value, complemented by flexible cash-back redemption and useful partner benefits.
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
22.97%
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Get a 0.99% introductory balance-transfer rate for 9 months.*
Exclusive Ratebuddy Rebate:
$75
Annual fee
$49
Purchase APR
20.99%
Cash advance
22.99%
Scotiabank®
Best for
Cash Back
Balance Transfer
Rewards
Best for
Cash Back
Balance Transfer
Rewards
Welcome-offer value
No current monetary welcome-offer estimate was included
$0
Estimated rewards from spending
Based on $1,500 in monthly spending
$261
First-year annual fee
Fee charged during the first year
$49
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$212
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 2% | $108 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 2% | $36 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 2% | $18 |
| Other purchases | $450 | 1% | $54 |
RateBuddy cash rebate
This separate rebate is not included in the card value or ranking above.
+$75
Potential first-year value with RateBuddy rebate
$287
Estimate notes
- A welcome offer is described, but no monetary value estimate is available.
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Cash Back
The Scotia Momentum Visa Card offers a straightforward cash-back structure for everyday spending, with 2% cash back across several common household categories and 1% on other eligible purchases. The introductory 0.99% balance-transfer rate for nine months adds useful promotional value, while flexible cash-back redemption, Shell fuel value, car-rental savings and purchase protection broaden the card's everyday appeal.
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$49
Primary cardholder
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
22.99%
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$15
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Earn up to 80,000 bonus Scene+ points—up to $800 in value.*
Get Ratebuddy Cash Rebate:
$150
Annual fee
$599
Purchase APR
20.99%
Cash advance
22.99%
Scotiabank®
Best for
Travel Rewards
Premium
Rewards
Best for
Travel Rewards
Premium
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$800
Estimated rewards from spending
Based on $1,500 in monthly spending
$0
First-year annual fee
Fee charged during the first year
$599
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$201
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 0% | $0 |
| Dining | $300 | 0% | $0 |
| Gas and transit | $150 | 0% | $0 |
| Travel | $75 | 0% | $0 |
| Recurring bills | $75 | 0% | $0 |
| Other purchases | $450 | 0% | $0 |
RateBuddy cash rebate
This separate rebate is not included in the card value or ranking above.
+$150
Potential first-year value with RateBuddy rebate
$351
Estimate notes
- No usable reward rate is configured, so spending rewards were not estimated.
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
The Scotiabank Passport Visa Infinite Privilege Card offers an extensive premium travel package for frequent travellers who can make full use of its rewards and benefits. Cardholders receive a $250 annual Scene+ Travel credit, 10 complimentary lounge visits per cardholder, no foreign transaction fees and access to premium airport, hotel, dining and lifestyle experiences. Strong Scene+ earning and comprehensive travel insurance further support its premium positioning.
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$599
Primary cardholder
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
0%
Foreign-currency purchases
Additional card fee
$199
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$150,000
Minimum household income
$200,000
Approval, rates and credit limits are determined by the card provider.
Earn up to $100 toward travel with 10,000 bonus Scene+ points.*
Get Ratebuddy Cash Rebate:
$50
Annual fee
$0
Purchase APR
21.99%
Cash advance
22.99%
Scotiabank®
Best for
Travel Rewards
No Annual Fee
Rewards
Best for
Travel Rewards
No Annual Fee
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$100
Estimated rewards from spending
Based on $1,500 in monthly spending
$0
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$100
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 0% | $0 |
| Dining | $300 | 0% | $0 |
| Gas and transit | $150 | 0% | $0 |
| Travel | $75 | 0% | $0 |
| Recurring bills | $75 | 0% | $0 |
| Other purchases | $450 | 0% | $0 |
RateBuddy cash rebate
This separate rebate is not included in the card value or ranking above.
+$50
Potential first-year value with RateBuddy rebate
$150
Estimate notes
- No usable reward rate is configured, so spending rewards were not estimated.
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
The Scotiabank American Express Card brings strong Scene+ earning and useful everyday benefits together without an annual fee. Cardholders can earn accelerated points across participating grocery partners, dining, entertainment, gas, transit and streaming, plus up to 4 points per $1 on eligible Scene+ Travel bookings. The welcome offer, Amex Experiences, partner savings and built-in mobile-device and purchase coverage make this a well-rounded entry into the Scene+ program.
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$12,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Earn up to 5,000 bonus Scene+ points in your first 3 months.* Pay No Annual Fee.
Exclusive Ratebuddy Cash Rebate:
$100
Annual fee
$0
Purchase APR
21.99%
Cash advance
22.99%
Scotiabank®
Best for
Travel Rewards
No Annual Fee
Rewards
Best for
Travel Rewards
No Annual Fee
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$50
Estimated rewards from spending
Based on $1,500 in monthly spending
$0
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$50
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 0% | $0 |
| Dining | $300 | 0% | $0 |
| Gas and transit | $150 | 0% | $0 |
| Travel | $75 | 0% | $0 |
| Recurring bills | $75 | 0% | $0 |
| Other purchases | $450 | 0% | $0 |
RateBuddy cash rebate
This separate rebate is not included in the card value or ranking above.
+$100
Potential first-year value with RateBuddy rebate
$150
Estimate notes
- No usable reward rate is configured, so spending rewards were not estimated.
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
The Scotiabank Scene+ Visa Card is a practical no-annual-fee way to earn Scene+ points on everyday spending. Cardholders can earn accelerated points at participating Scene+ grocery partners, Home Hardware and Cineplex, plus up to 4 points per $1 on eligible hotels and car rentals booked through Scene+ Travel. Flexible redemption choices and partner benefits at Shell, Avis, Budget and GigSky add useful everyday and travel value.
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
22.99%
When available
Foreign transaction fee
2.50%
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Showing 10 of 12 cards
RateBuddy
Math. Not Marketing.
We calculate the true value to save you every penny.
Data-Driven Logic
Rankings based on hard numbers (fees vs rewards), not advertising budgets.
100% Unbiased
We highlight the "gotchas" and fees just as clearly as the perks.
Direct & Secure
No data harvesting. We send you straight to the bank's secure official site.
Rewards for Real Life
From grocery runs at Sobeys to movie nights at Cineplex, Scene+ is designed to reward the routine spending you do every week.
Grocery Multipliers
Scene+ has rapidly evolved into a powerhouse for grocery rewards in Canada. You can earn significantly higher point multipliers at Empire-owned grocers including Sobeys, Safeway, IGA, FreshCo, and Foodland. For families, groceries are often the largest monthly expense, making this a high-yield category. By using a Scene+ credit card for your weekly shop, you can accumulate points much faster than on general spending. These points can then be redeemed right back at the checkout to lower your grocery bill.
Entertainment & Dining
Originally famous for movies, the program remains the best choice for entertainment lovers. Redeem points for movie tickets, concession snacks, and VIP experiences at Cineplex theatres nationwide. Beyond movies, the program includes flexible redemptions for dining at popular partner restaurants like Swiss Chalet, Harvey’s, and Montana’s. It’s the perfect program for funding your "fun money" budget. Whether it is a date night or a family outing, your points cover the cost.
Flexible Travel Redemption
Scene+ offers one of the most flexible travel redemption systems on the market. You are not locked into specific airlines or blackout dates. You can book travel your way—flights, hotels, or car rentals—through Scene+ Travel, or apply points to travel purchases booked independently. This "Book Your Way" feature allows you to hunt for the best deals on Expedia or Booking.com and simply erase the cost with points later. It combines the freedom of cash with the earning power of points.
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Frequently Asked Questions
Common questions about Compare Top Scotiabank Cards Cards and financial strategy.
Disclaimer: Information is for educational purposes only and does not constitute financial or legal advice. Terms subject to change by issuers.
It might. Cancelling an older card reduces your 'Average Age of Accounts,' which is a factor in your credit score. It also reduces your total available credit, which could increase your utilization ratio. If the card has no annual fee, it is often better to keep it open and use it occasionally to keep the history active.
Personal income generally refers to your individual annual earnings. Household income typically includes the combined income of you and your spouse or common-law partner. Premium cards often have higher income thresholds (e.g., $60k personal or $100k household) to qualify.
In Canada, you will often see AIR (Annual Interest Rate) used. It represents the yearly cost of borrowing on the card. Standard cards typically have purchase interest rates around 20.99%, while Low Interest cards can be significantly lower. Cash advances often carry higher interest rates than purchases.
A hard inquiry (from a credit application) typically remains on your credit report for up to 36 months, though its impact on your credit score generally diminishes significantly after the first 12 months.
Providing your Social Insurance Number (SIN) is usually optional for credit card applications, though it can help the issuer verify your identity and locate your credit file more accurately. You can generally apply without it, provided you supply other identification details.
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