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Mr. Loonie
Scotiabank® Scene+™ Visa Card

Scotiabank® Scene+™ Visa Card

8.1
Very good
Expert Score · 12 reviews How we score

Best for: Sobeys, Safeway and Cineplex fans who want Scene+ points with no annual fee

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$451
Every year after
$351

Ranked #82 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$100
The full offer. Up to 10,000 Scene+ points.
Annual fee
None
Apply now on Scotiabank’s site (opens in a new tab)
Needs $12,000 personal income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from Scotiabank’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
2 quick questions

Is it for me?

Is your personal income $12,000 or more?

Do you pay your card off in full most months?

Answer the 2 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 4 points per $1 on hotels At our value for these points, that’s about 4% back.
  • Good: 0.99% on moved balances for 9 months A 2% fee to move them.
  • Good: No annual fee It costs nothing to keep.

Watch for

  • Watch for: 22.99% after the 9 months Whatever you haven’t paid off by then is charged the regular rate.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

Scene+ points valued at 1¢ each.

  • Groceries $192
    2 points per $1 · 2% back $800 a month · 19,200 Scene+ points a year
  • Restaurants $30
    1 point per $1 · 1% back $250 a month · 3,000 Scene+ points a year
  • Gas $30
    1 point per $1 · 1% back $250 a month · 3,000 Scene+ points a year
  • Recurring bills $30
    1 point per $1 · 1% back $250 a month · 3,000 Scene+ points a year
  • Travel $18
    1 point per $1 · 1% back $150 a month · 1,800 Scene+ points a year
  • Everything else $78
    1 point per $1 · 1% back $650 a month · 7,800 Scene+ points a year
  • Foreign currency $18
    1 point per $1 · 1% back $150 a month · 1,800 Scene+ points a year
For you Year one Later years
Points you earn39,600 Scene+ points a year, at 1¢ each $396 $396
Welcome offer10,000 Scene+ points you’d reach $100 $0
Annual fee $0 $0
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Total $451 $351

Rows are rounded to the dollar.

What counts in each category
Groceries
2 points per $1 At Sobeys, Safeway, FreshCo and other participating stores
Home improvement
2 points per $1 At Home Hardware
Entertainment
2 points per $1 At Cineplex
Hotels
4 points per $1 Hotels and car rentals booked through Scene+ Travel
Everything else (base rate)
1 point per $1
  • 2 points per $1 spent at Cineplex and at cineplex.com
  • 2 points per $1 spent at Sobeys, Safeway, Foodland & Participating Co-ops
How Scene+ points work, and why 1¢

We count Scene+ points at 1¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.6¢ to 1¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the full offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    2,500 Scene+ points · about $25

    Spend $500 in your first 3 months.

    You’d reach it in month 1.

    • On purchases within the first 3 months.
    • You are eligible to earn an additional 7500 Scene+ point bonus when you spend at least $1000 in everyday eligible purchases in your first 3 months
  2. 2

    7,500 Scene+ points · about $75

    Spend $1,500 in your first 3 months.

    You’d reach it in month 1.

Offer ends Apr 30, 2027.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $12,000 or more Issuer says
  • Newcomer program Scotiabank StartRight For permanent residents in Canada 5 years or less, international students and foreign workers. No Canadian credit history needed, with a limit up to $15,000. Foreign workers need a letter from their employer confirming income.
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

8.1
Very good
Expert Score How we score
  • Money.ca (opens in a new tab) Jul 2023

    “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.”

  • Forbes (opens in a new tab) May 2023

    “A competitive no-fee credit card with a flexible rewards program that earns points on groceries and entertainment.”

  • Rewards Canada (opens in a new tab) Mar 2023

    “The no fee Scotiabank Scene+ Visa card has also been a front running card when it came to students and movie lovers. That's all changed thanks to the revamped Scene+ program and now we have a card that is great for any Canadian that is looking for a no fee Visa card. It is the best no fee Visa card in the market based on its earn-burn capabilities and the sheer flexibility of the Scene+ program. Whether its travel rewards, grocery rewards or the traditional movie redemptions this is the no fee Visa card to get.”

  • Wealth Rocket (opens in a new tab) Jan 2023
    9

    “SCENE is one of Canada’s most famous reward programs for a reason. Not only does it have a fairly low redemption threshold but it is also unparalleled in its ability to bring free movies to the people. If you are looking for a rewards card that will deliver beyond a movie ticket, it might make the most sense to look toward a cashback or travel rewards option. While there are other redemption options that come along with this card, the restaurant choices are quite limited and will likely not be enticing enough to the majority of people. Overall, the aforementioned low redemption rate alone may make this card favorable to you.”

  • Money We Have (opens in a new tab) Oct 2022

    “My Scotiabank SCENE Visa card review is positive. The card is clearly aimed at people who love movies and it rewards them for visiting the theatre. The overall benefits aren’t the best, but you can still earn massive amounts of points at Cineplex Theatres.”

  • Offerhub.ca (opens in a new tab) Apr 2022

    “Overall, the Scene Visa Credit Card is a winning formula for starting out. It caters to fun-loving individuals looking for something different, with their choice of entertainment and a decent fee structure. There’s not much more one can ask of a credit card.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Purchase protection Included
  • Avis rental car discount up to 25% at participating locations.
  • As a SCENE member, you get 10% more off the already discounted movie tickets on Tuesdays at Cineplex.
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read Scotiabank’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage, car rental damage, extended warranty and mobile device.

Fees and interest

What it costs

Annual fee
None
Purchase interest
21.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
None
Cash advance fee
1%, Minimum of $5
Balance transfer fee
1%, Minimum of $5
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Intro rate: balance transfers
0.99% for 9 months, fee 2%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $451 year one, $351 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the Scotiabank® Scene+™ Visa Card?

There is no annual fee.

How much is the Scotiabank® Scene+™ Visa Card welcome offer worth?

Up to 10,000 Scene+ points, about $100. You get it in 2 steps: 2,500 Scene+ points after you spend $500 in the first 3 months; 7,500 Scene+ points after you spend $1,500 in the first 3 months.

What income do I need?

Scotiabank asks for $12,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

21.99% on purchases. Cash advances are 22.99%.

Does it have a balance transfer offer?

Yes, 0.99% for 9 months. The transfer fee is 2%. After that, the rate is 22.99%.

Does it include insurance?

It lists purchase protection. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$451
year one for you
Apply now on Scotiabank’s site (opens in a new tab)
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