Scotiabank Scene+ Visa Credit Card for Students

The Scotiabank Scene+ Visa Credit Card for Students is a great first credit card that can help you build your credit. This student credit card does not have an annual fee or an additional fee for supplementary cardholders. However, its rewards program has limitations, as the highest rewards are earned for spending at Cineplex Theatres or specific grocery stores. This card could be beneficial if you frequently shop at one of the listed stores or regularly visit Cineplex.

Card Summary:

There is no annual fee. There is no charge for adding a supplementary card. The purchase rate is 19.99%. The interest rate for cash advances and balance transfers is 22.99%. Rewards for Scenes.

Rewards Summary:

You’ll earn 2X Scene Points for every dollar you spend at Sobeys, Safeway, Foodland, Participating Co-ops, FreshCo, Chalo! FreshCo, Thrifty Foods, Participating IGAs, Rachelle Béry, Les Marchés Tradition, Voilà by Sobeys, Voilà by Safeway, and Voilà par IGA. This means you can earn double the rewards while shopping at these stores, which is a great opportunity.

Additionally, you’ll also earn double Scene points for every dollar spent at Cineplex theatres or on their website.

For all other purchases, you will earn one Scene point for every dollar spent.

Benefits Summary:

Receive up to a 25% discount at participating Avis & Budget locations.

Insurance Summary:

• N/A

Editor’s Review: Scotiabank Scene+ Visa Credit Card for Students

The Scotiabank Scene+ Visa Credit Card for Students is an excellent entry-level card designed to help students build their credit history without the burden of an annual fee. This card stands out for its ease of access and specific rewards program, making it an attractive option for young adults new to the world of credit cards.

Key Features:

No Annual Fee: The absence of an annual fee makes this card particularly appealing for students who are often budget-conscious. This feature ensures that the card remains cost-effective throughout its use.

No Supplementary Card Fee: Students can add supplementary cardholders at no additional cost, which can be a convenient option for sharing the card with family members or roommates.

Interest Rates:

• Purchase rate: 19.99%
• Cash advances and balance transfers: 22.99%

These rates are fairly standard for student credit cards, though it’s always advisable to avoid carrying a balance to evade interest charges.

Rewards Program:

The Scene+ Visa Credit Card offers a targeted rewards program:

• 2X Scene Points: Earn double points for every dollar spent at a selection of grocery stores including Sobeys, Safeway, Foodland, and others. This can significantly benefit students who frequently shop at these locations.
• 2X Scene Points at Cineplex: Movie enthusiasts will appreciate earning double points at Cineplex theatres or on the Cineplex website.
• 1X Scene Point on Other Purchases: All other purchases earn one Scene point per dollar spent.

While the highest rewards are specific to certain grocery stores and Cineplex, this card can be very rewarding if you shop at these stores regularly or enjoy going to the movies.

Additional Benefits:

• Car Rental Discounts: Cardholders can receive up to a 25% discount at participating Avis & Budget locations, which can be a useful perk for students who travel.

Insurance:

This card does not come with additional insurance benefits, which is a common limitation among student credit cards.

Conclusion:

The Scotiabank Scene+ Visa Credit Card for Students is a solid choice for students looking to establish their credit history while enjoying specific rewards. Its no-fee structure and supplementary cardholder benefits make it a cost-effective option. However, the rewards program’s limitations mean it’s most beneficial for those who frequently shop at the specified grocery stores or are avid moviegoers. If these rewards align with your spending habits, this card can be a valuable tool in your financial arsenal.

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View other Scotiabank credit cards.

Disclaimer: Refer to the official credit card web page for the latest rates, terms, and conditions. Nothing in the Site constitutes professional and financial advice, nor does any information on the Site constitute professional and financial advice.