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ScotiabankĀ®Ā Scene+ā„¢Ā Visa*Ā Card Review

ScotiabankĀ® Scene+ā„¢ Visa* Card review

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4.0

2x Scene+ points on every $1 you spend at Sobeys, Safeway, Foodland & Participating Co-ops, FreshCo and more.

2x Scene+ points4 for every $1 you spend at Home Hardware, Home Building Centre, Home Hardware Building Centre, Home Furniture locations in Canada and online at homehardware.ca.

2x Scene+ points for every $1 you spend at Cineplexā—Š theatres or at cineplex.com.

1x Scene+ point for every $1 spent on all other eligible everyday purchases

25% Save up to 25% off base rates at participating Avis locations and participating Budget locations in North America.

$0 Annual Fee $0 for each additional card

20.99% Purchase APR

22.99% Cash Advance APR

22.99% Balance Transfer Rate

2.50% Foreign Transaction Fee

Good Recommended Credit Score

4.0

ScotiabankĀ® Scene+ā„¢ Visa* Card review

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The ScotiabankĀ® Scene+ā„¢ Visa* Card is one of the most compelling no annual fee credit cards in Canada for those looking to earn and redeem their rewards frequently, without having to spend a fortune on their credit cards.

The ScotiabankĀ® Scene+ā„¢ Visa* Card is ideal for those who want a high earn rate without an annual fee, and the ability to redeem their points for travel, shopping, entertainment, dining, banking and more. The ScotiabankĀ® Scene+ā„¢ Visa* Card also stands out for a sign-up bonus offer, which is rare for a no annual fee credit card.

Our feeling is, if you like to redeem points quickly and frequently without spending tons, the ScotiabankĀ® Scene+ā„¢ Visa* Card is one of the best values in Canada today. Itā€™s a recommended credit card option for those who want to earn rewards they can actually use (like for movies), without having to spend fortunes on their credit cards, and who may not have 6-figure incomes (yet!).

ScotiabankĀ® Scene+ā„¢ Visa* Card top features

  • Sign-up Bonus
  • No Annual Fee
  • Generous Rewards
  • Low Redemption Threshold
  • Points Donā€™t Expire
  • Car Rental Savings

Sign-up bonus

Earn up to 7,500 bonus Scene+ points within your first 3 months.2 Here's how you qualify for the special points offer: Earn 2,500 bonus Scene+ points by making at least $250 in everyday eligible purchases in your first 3 months. Once you reach the first milestone of the offer, you are then eligible to earn an additional 5,000 Scene+ point bonus when you spend at least $1,000 in everyday eligible purchases in your first 3 months. Offer ends July 1, 2024. This is a sign-up bonus that stands out for a card with no annual fee.

No annual fee

As we discussed, most credit cards offering the earning equivalent value per dollar spent have an annual fee. This card has no annual fee and offers accelerated earn rates.

Generous rewards

The ScotiabankĀ® Scene+ā„¢ Visa* Card earns you 2X Scene+ points for every $1 you spend on credit card purchases at Cineplexā„¢ theatres or at cineplex.com, 2X Scene+ points for each dollar charged to your account on all eligible purchasesĀ¹ at Sobeys, IGA, Safeway, Foodland, FreshCo, VoilĆ  by Sobeys, VoilĆ   by IGA, VoilĆ   by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les MarchĆ©s Tradition, Rachelle BĆ©ry and Co-Op. Youā€™ll earn one point for every $1 you spend on your everyday credit card purchases.

Low redemption threshold

We like that you can utilize points for travel, shopping, entertainment, dining, banking, and more at low thresholds for redemption with the ScotiabankĀ® Scene+ā„¢ Visa* Card. Redemption options include: food, drinks, and tickets at Cineplexā„¢ theatres; dine-in, drive-thru or take-out at Harveyā€™s, Swiss Chalet, East Side Marioā€™s, Montanaā€™s BBQ & Bar, Bier Markt and Kelseyā€™s Original Roadhouse.

Many people get excited at the prospect of travelling for free with the right rewards card. But consider that you may have to spend upwards of $25,000-$35,000 annually on those travel cards to generate enough points for one return ticket to Florida from Canada. Thatā€™s unrealistic for those of more limited financial means, like students.

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Points donā€™t expire

We all know the tricks some issuers and loyalty programs play. No smoke and mirrors here. You earn your points and keep them, unless you fail to use your account for two years.

Car rental savings

Save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S. when you pay with your ScotiabankĀ® Scene+ā„¢ Visa* Card. This savings is towards the base rates (applicable to the time and mileage charges of the rental). Taxes, fees and other surcharges are extra.

Final thoughts

The ScotiabankĀ® Scene+ā„¢ Visa* Card is a great card for people who donā€™t spend a lot on their credit cards (we would say less than $10,000 per year), students and those who want to be able to redeem for rewards early and often without having to spend a fortune. We love that the card has no annual fee and offers more value per dollar spent than just about any other no-fee card in the Canadian marketplace.

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Ā¹ Conditions Apply. Visit here for the ScotiabankĀ® Scene+ā„¢ Visa* Card to learn more.

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