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Card Details
Interest Rates
Purchase: 20.99%*
Cash Advance: 22.99%*
Balance Transfer: 22.99%*
* Rates, fees and other information are effective as of March 3, 2025. Subject to change.
Annual Fees
Main Card: $0
Additional Cards: $0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
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.
Our Rating
3.3/5
Institution
Scotiabank
How You Earn Rewards
- 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 Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
No insurance coverage information available for this card.
Benefits
Details
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car
Pros & Cons
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.
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.
Legal
See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.