in our free newsletter.

Thousands benefit from our email every week.

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Please be aware this post may contain links to products from our partners. We may receive a commission for products or services you sign up for through partner links.

The Scotiabank® Scene+™ 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 Scotiabank® Scene+™ 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 Scotiabank® Scene+™ 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 Scotiabank® Scene+™ Visa* Card is one of the best values in Canada today. It’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!).

Scotiabank® Scene+™ Visa* Card top features

  • Sign-up Bonus
  • No Annual Fee
  • Generous Rewards
  • Low Redemption Threshold
  • Points Don’t Expire
  • Car Rental Savings

Sign-up bonus

Earn 5,000 Scene+ Points (5,000 bonus Scene+ points by making at least $750 in everyday eligible purchases in your first 3 months).¹ Offer ends February 29, 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 Scotiabank® Scene+™ Visa* Card earns you 2X Scene+ points for every $1 you spend on credit card purchases at Cineplex™ theatres or at cineplex.com, 2X Scene+ points for each dollar charged to your account on all eligible purchases¹ at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà  by IGA, Voilà  by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op. You’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 Scotiabank® Scene+™ Visa* Card. Redemption options include: food, drinks, and tickets at Cineplex™ theatres; dine-in, drive-thru or take-out at Harvey’s, Swiss Chalet, East Side Mario’s, Montana’s BBQ & Bar, Bier Markt and Kelsey’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. That’s unrealistic for those of more limited financial means, like students.

Apply for the Scene+ Visa card

Points don’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 Scotiabank® Scene+™ 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 Scotiabank® Scene+™ Visa* Card is a great card for people who don’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.

Apply now

¹ Conditions Apply. Visit here for the Scotiabank® Scene+™ Visa* Card to learn more.

About our author

Money.ca
Money.ca, Money.ca Editorial Team

The Money.ca Editorial Team is a group of passionate financial experts, seasoned journalists, and content creators who are deeply committed to providing unbiased, relevant, and accurate financial information. With years of combined industry experience, our team is dedicated to maintaining the highest journalistic standards and delivering informative and engaging content. From personal finance and investing to retirement planning and business finance, we cover a broad range of topics to suit the financial needs of our diverse readership. You can trust the Money.ca Editorial Team to empower you with the knowledge and tools necessary to make wise financial decisions.

These articles do not include bylines, as they are intended to provide information about the company or have been written by an internal team at Money.ca, rather than stories by individual writers or contributors. Bylines are used for all other articles.

Disclaimer

The content provided on Money.ca is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter.