Scotiabank Scene + Visa Card review

Scotiabank Scene+ Visa Card perks

• No annual fee. The Scotiabank Scene + Visa Card comes with a $0 annual fee for the primary cardholder and a $0 annual fee for additional cardholders.
• Welcome offer. Earn up to 5,000 Scene+ points in the first 3 months. Apply by November 1, 2026.
• Earn Scene+ rewards points. Earn up to 4 Scene+ points per $1 spent on eligible travel purchases—receive 1 point per $1 on travel, plus an extra 3 points per $1 CAD on hotels and car rentals booked through Scene+ Travel, powered by Expedia. Earn 2 points per $1 at Sobeys, Safeway, Foodland, participating IGA locations and co-ops, Cineplex theatres, cineplex.com, Home Hardware, Home Building Centres in Canada and homehardware.ca. Earn 1 Scene+ point per $1 on all other eligible everyday purchases.
• Save on car rentals. Get a discount of up to 25% off at participating Budget and Avis car rental locations in Canada and the US.
• Mobile app features. The Scotia mobile app (available for Android and iOS) lets you view your card balance and transactions, check your TransUnion credit score for free and lock your card in the event of loss or unauthorized access.
• Low-interest payment plans. Split $100+ purchases into low-interest payments with Scotia SelectPay.
• Shell gas savings. Link your card to your Shell Go+ account to save up to 10¢/L on gas.

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What to watch out for

• Limited perks. The Scotiabank Scene + Visa Card doesn’t come with cash back rewards, complimentary travel insurance or discounted airport lounge access. To get more benefits, you’ll need to explore rewards credit cards and likely pay an annual fee.
• Minimum income and credit score requirements. You need to earn at least $12,000 and have a 660 + credit score for a decent chance at qualifying for the Scotiabank Scene + Visa Card.

Scotiabank Scene+ Visa interest rates

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What should I know before I apply for the Scotiabank Scene+ Card?

Want to apply for the Scotiabank Scene + Visa Card in Canada? Here’s what you should know.

Eligibility requirements

• Be a resident of Canada
• Be at least the age of majority in your province or territory (18 or 19 years old)
• Have an income of $12,000 or higher
• Have a credit score of 640 or higher (recommended)

Required documents and information

• Valid ID like a passport or driver’s licence
• Proof of income like an employment letter, salary slips, filed tax returns or financial statements for the past 12 months
• Your financial information, including any debts and assets

How to apply for the Scotiabank Scene+ Visa Card

1. Visit Scotiabank's website and select Apply now.
2. If you already have a Scotiabank account, sign in to online banking. If not, you’ll need to apply as a new customer.
3. Once you’ve logged in to your account, go to Products & Services, then select Credit cards and choose the Scotiabank Scene + Visa Card.
4. Read through the customer information provided and select Agree and continue.
5. Provide personal, contact, employment, financial and housing information. Set up a security question. Choose whether you want to receive paper or electronic statements, and add an additional cardholder if necessary.
6. Review your application information and select Continue. Review and agree to the terms and conditions and submit your application.
7. If approved, it could take up to 7–10 business days to receive your new card in the mail. To begin using it, you’ll need to activate the card online or by making an in-store purchase.

How safe is the Scotiabank Scene+ Visa Card?

One of Canada’s Big Banks, Scotiabank is regulated by the Office of the Superintendent of Financial Institutions Canada and is registered as a Money Services Business with FINTRAC (the Financial Transactions and Reports Analysis Centre of Canada).

Encryption, firewalls, multifactor authentication, account timeouts, fraud alerts, partially masked account numbers and the ability to lock your card via mobile app are some of the ways Scotiabank safeguards customers’ data and money.
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