no-fee3.2 / 5

Scotiabank Scene+ Visa Card

Scotiabank

Best for

Movie-goers and Sobeys/Empire shoppers who want a simple no-fee rewards card.

Apply on Scotiabank

Annual fee

None

FX fee

2.5%

Purchase APR

21.99%

Income req.

—

Recommended credit score

640+

Approval difficulty

Moderate approval

VaultNerd estimate based on the card's tier and income requirements — not an official issuer cutoff. Approval also depends on income, debt, and credit history.

Our verdict

A decent no-fee card for Scene+ loyalists who shop at Empire grocers and Cineplex; everyone else will find richer no-fee options elsewhere.

Reward rates

Sobeys-family grocery stores Sobeys, Safeway, Foodland, participating IGA and co-ops	2x
Cineplex Cineplex theatres and cineplex.com; also 2x at Home Hardware stores	2x
Everything else Extra 3x on hotels and car rentals booked through Scene+ Travel	1x

VaultNerd values these points at ~1¢ each.

Welcome bonus

~$100 value

Up to 10,000 bonus Scene+ points (2,500 + 7,500)

Requirement: Spend $250 in first 3 months (2,500 pts) and $1,000 in first 3 months (7,500 pts). Offer ends July 1, 2026

Pros

Free entry into the Scene+ ecosystem with movie and grocery perks
Low barriers - small welcome bonus is easy to earn

Cons

Base 1x (~1%) earning is unremarkable
No insurance coverage included

Perks

No annual fee, including additional cards
2x Scene+ points at Sobeys-family stores, Home Hardware and Cineplex
$10 off Cineplex movie tickets and $50 off Home Hardware redemption offers
Scotia SelectPay installment plans on eligible purchases
Flexible Scene+ redemptions: travel, groceries, movies, gift cards

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site — this does not influence our editorial content.

Written by

The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

“Scotiabank Scene+ Visa Card Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/scotiabank-scene-visa, updated June 2026.

Sources

Scotiabank cardholder agreement and rates & fees disclosure
VaultNerd cards database