Daniela Hanna
The Scotiabank SCENE+® Visa Card is a no-fee credit card for movie lovers and everyday earners. Earn SCENE+ points on groceries, dining, and entertainment — redeem for movies, travel, or account credits.
Quick highlights
- 🎬 Earn 2 SCENE+ points per $1 on groceries, dining, and entertainment.
- 💳 Earn 1 point per $1 on all other eligible purchases.
- 💵 No annual fee.
- 🏦 Redeem for movies, travel, or account credits.
Why we like the Scotiabank SCENE+® Visa Card
This card is perfect for movie fans, students, and anyone who wants easy, flexible rewards on everyday purchases. The SCENE+ program offers versatile redemptions — from Cineplex movie tickets to travel, dining, or shopping.
Stand-out features
- ✅ 2 points per $1 spent on groceries, dining, and entertainment.
- ✅ 1 point per $1 on all other purchases.
- ✅ Redeem SCENE+ points for movies, travel, or statement credits.
- ✅ No annual fee and easy online management through Scotiabank app.
Good to know
- ⚠️ Some merchants may not code under eligible categories.
- ⚠️ No travel insurance or premium perks.
- ⚠️ Foreign transactions subject to a 2.5% fee.
Pros
- No annual fee.
- Strong earn rate on groceries, dining, and movies.
- SCENE+ points are easy to redeem for Cineplex or travel.
- Perfect starter card for students or young adults.
- Backed by Scotiabank’s reliability and digital tools.
Cons
- No insurance or travel protection benefits.
- Limited to the SCENE+ ecosystem for best value.
- Foreign purchases include a 2.5% fee.
Rewards program
- 🎬 2 points per $1 on groceries, dining, and entertainment.
- 💳 1 point per $1 on all other eligible purchases.
How to maximize rewards
- Use the card for all dining, grocery, and entertainment purchases to maximize 2x points.
- Link your Scene+ account to earn and redeem across Cineplex, Sobeys, and Home Hardware.
- Redeem for Cineplex movies or travel to get the highest point value.
- Pair with another Scotiabank card for diversified earning.
Insurance & benefits
Included
- 🛍️ Purchase Security — coverage for theft or damage (90 days).
- 🕒 Extended Warranty — doubles manufacturer’s warranty up to one year.
- 💳 Visa Zero Liability protection.
Not included
- ❌ No travel insurance coverage.
- ❌ No mobile device or rental protection.
- ❌ No bonus welcome offer.
Rates & fees
| Annual fee | $0 |
|---|---|
| Purchase APR | 20.99% |
| Cash advance APR | 22.99% |
| Foreign transaction fee | 2.5% |
| Grace period | 21 days on new purchases |
Best for
- 🎬 Movie lovers and Cineplex fans.
- 🍴 Frequent diners and grocery shoppers.
- 🎓 Students or new credit users building history.
Where it falls short
- No travel or premium insurance coverage.
- Limited redemption value outside SCENE+ partners.
- Foreign currency transactions charged at 2.5%.
Customer reviews
Positive feedback
“I love earning SCENE+ points every time I buy groceries and go out!”
“Perfect starter card — no fee and easy to manage.”
Critiques
“Would like more insurance or higher earn rates.”
“Mostly useful if you redeem with SCENE+ partners.”
Community insights
Canadians appreciate the Scotiabank SCENE+® Visa Card for its no-fee structure and entertainment focus. It’s often chosen by students and young adults as a reliable first credit card.
AI review (straight talk)
The Scotiabank SCENE+® Visa Card makes earning points fun and practical. It’s an easy, no-fee way to earn rewards on food, fun, and entertainment — great for beginners or casual spenders.
Alternatives & comparison
| Card | Annual Fee | Top Categories | Other Purchases | Key Perks | Best For |
|---|---|---|---|---|---|
| Scotiabank SCENE+® Visa Card | $0 | 2x groceries, dining, entertainment | 1x | SCENE+ redemptions | Movie & dining rewards |
| TD Cash Back Visa* Card | $0 | 1% gas, groceries, bills | 0.5% | Redeem anytime | Everyday cash back |
| CIBC Dividend® Visa Card | $0 | 2% groceries | 0.5% | Simple annual payout | Grocery rewards |
| BMO CashBack® Mastercard® | $0 | 3% groceries | 0.5% | Flexible redemptions | Simple earners |
FAQ
Is there an annual fee?
No, the Scotiabank SCENE+® Visa Card has no annual fee.
What are the earn rates?
Earn 2 points per $1 on groceries, dining, and entertainment, and 1 point per $1 on all other purchases.
Where can I redeem my SCENE+ points?
Redeem for Cineplex movie tickets, travel, dining, gift cards, or statement credits.
Does it include travel insurance?
No, this card only includes purchase and warranty protection.
Final verdict & ratings
Our take The Scotiabank SCENE+® Visa Card is one of Canada’s best no-fee cards for entertainment and dining rewards. It’s simple, fun, and perfect for first-time cardholders.
| Overall | ★★★★☆ 4.3 / 5 |
|---|---|
| Rewards value | 4.2 / 5 — strong 2x earn categories |
| Benefits & protections | 3.5 / 5 — basic but solid |
| Fees & costs | 5.0 / 5 — no annual fee |
| Ease of approval | 4.5 / 5 — accessible for students and new users |
