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Scotiabank® Scene+ Visa Card vs Scotiabank Value® Visa* Card: Which one is better?
Scotiabank® Scene+ Visa Card
Scotiabank Value® Visa* Card
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.
Our Cash Offer
$60 Cash Rebate offer from FinlyWealth
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Rewards Breakdown
Annual Rewards
$245.65
Scene+
First Year Bonus Value
+
$50
Scene+
Annual Fee
-
$0
Finly Rebate
+
$60Exclusive Offer
First Year Value
$355.65
$245.65 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
N/A
How to 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
How to Earn Rewards
This card does not earn rewards on purchases but instead offers much lower interest rates.
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
1 Rates, fees and other information are effective as of March 3, 2025. Subject to change.
Interest Rates
Purchase:
13.99%2
Cash Advance:
13.99%2
Balance Transfer:
13.99%2
2 Rates, fees and other information are effective as of January 3, 2025. Subject to change.
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
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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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.
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.