No Annual Fee
Rewards
Scotiabank Scene+ Visa Card
Scotiabank
Welcome Bonus:
Earn up to 10,000 bonus Scene+ points in your first 3 months.
Secure RateBuddy connection · Application completed on Scotiabank’s site
Annual Fee
$0
Purchase APR
21.99%
Cash Advance
22.99%
Bonus Value
$100
RateBuddy Verdict
The Good
- Charges $0 annual fee for both the primary cardholder and any supplementary cards added to the account.
- Earns a solid 2x points at major grocery chains (Sobeys, Safeway, FreshCo), Home Hardware, and Cineplex.
- Highly accessible for those building credit, requiring only a low $500 minimum credit limit to qualify.
The Trade-offs
- Completely lacks any embedded credit card insurance (no purchase security, extended warranty, or travel coverage).
- Base earning rate on standard purchases is low at just 1 Scene+ point per $1 spent.
Rewards & Earnings
Groceries
2%
Dining
1%
Gas
1%
Travel
1%
Recurring Bills
1%
Base Rate
1%
Rewards Summary:
Sobeys, Safeway, Foodland, FreshCo, Home Hardware & Cineplex: 2 pts per $1; Base Earn & Travel: 1 pt per $1 (Extra 3 pts via Scene+ Travel).
Welcome Bonus Details
Earn up to 10,000 bonus Scene+ points within your first 3 months of opening the account.
Estimated Value: $100
Features & Benefits
No Annual Fee
No annual fee
Insurance Coverage
Note: This card does not include embedded Travel, Medical, Car Rental, or Purchase insurance benefits.
Rates, Fees & Eligibility
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Supplementary Card Fee | $0 |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
No Annual Fee
Rewards
Secure RateBuddy connection