Scotiabank® Scene+ Visa Card vs Scotiabank Value® Visa* Card: Which one is better?
Scotiabank® Scene+ Visa Card
3.3
Scotiabank Value® Visa* Card
5
Finly Rebate
Finly Rebate
Rewards Breakdown
Annual Rewards
$245.65
Scene+
First Year Bonus Value
$50
Scene+
Annual Fee
$0
First Year Value
$295.65
$245.65 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
N/A
Insurance Included*
N/A
Insurance Included*
Balance Protection
optional
Extra Benefits*
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car
Extra Benefits*
Car Rental Discount
Avis car rental discount up to 25% worldwide
Interest Rates*
Purchase:
20.99%1
Cash Advance:
22.99%1
Balance Transfer:
22.99%1
Interest Rates*
Purchase:
13.99%2
Cash Advance:
13.99%2
Balance Transfer:
13.99%2
Annual Fee*
$0
Annual Fee*
$29
$0
First Year Waived
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Welcome Bonus*
Earn 2,500 bonus Scene+ points by making at least $250 in everyday eligible purchases in your first 3 months. You are eligible to earn an additional 2,500 Scene+ point bonus when you spend at least $1,000 in everyday eligible purchases in your first 3 months. Terms Apply.
Welcome Bonus*
0.99% introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance, 13.99% after that; annual fee $29). Plus no annual fee in the first year.
Rewards Rate*
- Earn 2x Scene+ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more
- Earn 2x Scene+ points for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
- Earn 2x Scene+ points for every $1 you spend at Cineplex theatres or online at cineplex.com
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Rewards Rate*
This card does not earn rewards on purchases but instead offers much lower interest rates.
Loyalty Program*
Loyalty Program*
N/A
Point Redemption Options*
Entertainment
1¢ / point
Travel
1¢ / point
Groceries (Sobeys)
1¢ / point
Restaurants
1¢ / point
Merchandise
0.76¢ / point
Gift Cards
0.74¢ / point
Statement Credits (Cash)
0.7¢ / point
Point Redemption Options*
Not Applicable
Is this card worth it?
We like this card because it offers solid rewards with no annual fee, including the opportunity to earn up to 5,000 bonus Scene+ points within the first 3 months. With 2x Scene+ points on purchases at popular grocery stores, home improvement retailers, and Cineplex, plus 1x points on all other purchases, it's a great option for maximizing everyday spending.
Is this card worth it?
This is a great card for those who carry a balance every month and want to take advantage of much lower interest rates compared to most other cards. It also comes with a great introductory balance transfer rate for a limited number of months.
Pros
- No Annual Fee: Enjoy all the benefits without any yearly cost.
- Universal Rewards: Earn rewards on every purchase, no matter where you shop.
- Flexible Redemption: Redeem your rewards with a variety of options tailored to your needs.
Pros
- A great low introductory interest rate on balance transfers
- Only 13.99% interest rate on purchases, balance transfers, and cash advances.
Cons
- Limited Accelerated Categories: Fewer opportunities to earn bonus points in specific categories.
- Specific Grocery Partners: Rewards at grocery stores are limited to select partners.
- Lacks Travel Insurance: Missing some of the common travel insurance coverages offered by other cards.
Cons
- No rewards on daily purchases
- Limited insurance
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