Rewards
Base earn rate1.5 Scene+ points per $1 spent on eligible business purchases
ProgramScene+
Welcome bonusEarn up to 40,000 bonus Scene+ points: 30,000 points by making at least $5,000 in eligible business purchases in first 3 months, plus an additional 10,000 points by making at least $60,000 in eligible business purchases in first 12 months
Rewards typepoints
Fees & rates
Annual fee$199
Additional card$50
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee$0 (no FX fee)
Standout perks
✈️
Complimentary Visa Airport Companion Program membership with 6 complimentary lounge visits per year
6 complimentary visits per membership year; $32 USD per additional visit
⭐
Complimentary Avis Preferred Plus membership with special discounts and complimentary upgrades
5% to 25% off Avis base rates in Canada and United States
⭐
Link card to Shell Go+ for fuel savings and Scene+ point earnings
up to 10 cents per litre in value (3 cents instant discount on all fuel, 4 cents additional on premium fuel, up to 3 cents in Scene+ points value)
⭐
Visa Infinite benefits including Concierge, Luxury Hotel Collection, Dining Series, and Wine Country Program
⭐
Visa SavingsEdge - free enrollment for automated discount program at participating merchants
⭐
Visa Spend Clarity for Business - web-based tool for tracking expenses and managing spend
⭐
Scotia SelectPay - flexible installment payment option for purchases $100 or more
⭐
Waiver of Liability Program - eligible businesses can request Scotiabank to waive liability for certain unauthorized charges by employee cardholders
up to $100,000 per card account
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
up to $1,000,000
🛡️
trip cancellation
up to $2,500 per person, maximum $10,000 per trip
🛡️
trip interruption
up to $2,500 per person, maximum $10,000 per trip
🛡️
flight delay
up to $500 per insured person
🛡️
baggage delay
up to $1,000 for all insured persons on same trip
🛡️
baggage loss
up to $1,000 combined maximum
Eligibility
Minimum personal income$60,000
Credit score guidanceGood (660+)
ResidencyCanadian resident