Rewards
Base earn rate1 Scene+ point per $1 spent on all other eligible everyday purchases
ProgramScene+
Welcome bonusEarn up to 5,000 bonus Scene+ points within your first 3 months
Rewards typepoints
Fees & rates
Annual fee$0
Purchase interest rate19.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Earn Scene+ points and save on fuel purchases at Shell
⭐
Amex Offers with shopping, dining, travel and entertainment discounts
⭐
Amex Experiences including Front Of The Line Presale Tickets and reservations to concerts, theatre, restaurants and special events
💳
Apply Scene+ Points to Travel - flexibility to make own travel arrangements and redeem points within 12 months of travel purchase
⭐
Scene+ Travel - book travel through full-service travel agency and earn 3 Scene+ points per CAD$ on hotel and car rental bookings
⭐
Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the U.S.
up to 25%
⭐
Tap card or smartphone for quick easy payments
⭐
Scotia SelectPay - flexible installment payment plans on eligible purchases of $100 or more with low interest rates and no installment plan fee
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
mobile device
up to $500
🛡️
purchase protection
lesser of repair cost, replacement cost or original purchase price
🛡️
extended warranty
lesser of repair cost, replacement cost or original purchase price
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident