Rewards
Base earn rate1 Scene+ point per $1 spent on all eligible purchases
ProgramScene+
Welcome bonusEarn up to 10,000 bonus Scene+ points in your first 3 months
Rewards typepoints
Fees & rates
Annual fee$0
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
💳
Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the US
up to 25% off
⭐
Get 10% off all data plans from GigSky
10% off
⭐
Buy now and pay over time with Scotia SelectPay on eligible purchases of $100 or more with low interest rates and no installment plan fee
⭐
Deferred payment and installment plans with no interest or fees on eligible Home Hardware purchases
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident