Scotiabank Scene+ Visa
Skip for nowWhat the roles mean
- Sobeys-family groceries, Home Hardware and Cineplex: 2 Scene+ points per $1 on a $0 Visa
Earn up to 5,000 bonus Scene+ points (≈$50 in indicative value) in the first 3 months.
Ends November 1, 2026.
Checked on Scotiabank's own page November 2, 2026. See Scotiabank's page
What it earns in a year
47,400 points a year
Worth about $474.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Travel: 4× points.
- Groceries: 2× points.
- Entertainment: 2× points.
- Everything else: 1× points.
Highlighted = use this card here.
Using your points
On the spending above, 47,400 points a year, worth $474.
- What a point buys (1¢): Travel, groceries at Sobeys, Safeway and FreshCo, or Cineplex: 1,000 points = $10. Same value everywhere. Only the general statement credit pays less (about 0.7¢), so skip it
How to apply for the Scotiabank Scene+ Visa
Check first
- Bonus not for recent Scotia cardholders: you can't get it if you held any Scotiabank personal credit card in the past 2 years
- Check you qualify Income: $12,000 personal. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on Scotiabank's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on Scotiabank's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Groceries: Sobeys, Safeway, FreshCo, IGA, Foodland, Thrifty Foods and Voilà only. Loblaws, Metro, Costco and Walmart earn 1 point
- Home Hardware and Cineplex: 2 points per $1
- Hotels and car rentals: book through Scene+ Travel for 3 extra points per $1
- Everything else: use another card. This one pays 1 point per $1
- Redeem: on groceries or travel (100 points = $1). Statement credit pays less (3,000 points = $20)
- Example: $800/month at Sobeys = 19,200 points = $192 a year off groceries
Key facts
- Annual fee
- $0
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $12,000
- Min. household income
- $12,000
- Rewards
- Scene+See every Scene+ card
Annual fee waiver
- No annual fee
From scotiabank.com product page, checked October 17, 2026. Not an affiliate link.
More Scotiabank cards
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $781 a year after both fees, vs $474 with this card alone
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $960 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- No annual fee, and $0 for additional cards
- 2 points per $1 at Sobeys-family grocers, Home Hardware and Cineplex, no cap
- Points don't expire while the account is open
- Visa: accepted almost everywhere, unlike the Scotiabank Amex
- Low bar: $12,000 minimum income
- Year one: up to 5,000 bonus points (2,500 at $250 spent, 2,500 more at $1,000, first 3 months), open by November 1, 2026
Cons
- Only 1 point per $1 at most grocers and everywhere else
- No insurance of any kind
- 2.5% on foreign-currency purchases
- Welcome offer is small: 5,000 points is about $50
- No welcome offer if you held a Scotiabank personal card in the past 2 years
Insurance included
- None
Maximums as Scotiabank lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Shell: 3¢/litre off when you link Scene+ and Shell Go+ (more on V-Power)
- Avis and Budget: up to 25% off
- Scene+: earn and redeem at Cineplex, Sobeys-family grocers, Home Hardware and Scene+ Travel
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| Scotiabank Scene+ Visa | 2× points | $192 | $0 | November 2, 2026 |
How the offer has changed
One row per check of Scotiabank's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| November 2, 2026 | Unchanged: up to 5,000 bonus Scene+ points: 2,500 for $250 in purchases, plus 2,500 more at $1,000, both in the first 3 months. Open the account July 2, 2026 → November 1, 2026Offer window ended November 1, 2026, but on November 2, 2026 the bank's page still advertises this same offer with the same dates; no replacement or extension published. Page text identical to October 21, 2026. Not eligible if a Scotiabank personal cardholder in the past 2 years | $0 | November 1, 2026 |
| October 21, 2026 | Unchanged: up to 5,000 bonus Scene+ points: 2,500 for $250 in purchases, plus 2,500 more at $1,000, both in the first 3 months. Open the account July 2, 2026 → November 1, 2026Not eligible if a Scotiabank personal cardholder in the past 2 years | $0 | November 1, 2026 |
| October 17, 2026 | Up to 5,000 bonus Scene+ points: 2,500 for $250 in purchases, plus 2,500 more at $1,000, both in the first 3 months. Open the account July 2, 2026 → November 1, 2026Down from up to 10,000 pts (2,500 + 7,500) seen June 15, 2026. Not eligible if a Scotiabank personal cardholder in the past 2 years | $0 | November 1, 2026 |
General information, not financial advice. Offers change; confirm on Scotiabank's page before you apply.