Scene+ vs Aeroplan: Which program should you choose?

Two of Canada’s most popular loyalty programs go head-to-head here: Scotiabank’s Scene+ and Aeroplan from Air Canada. On one side, Scene+ focuses on simplicity, flexibility, and stable value. On the other, Aeroplan offers much higher value potential for those who know how to optimize their points.

So, which one should you choose? Here is a complete Scene+ vs Aeroplan comparison to help you determine which program best matches your traveller profile. To go further, also see our guide to choosing the best points program for your trip.

Welcome bonuses and co-branded cards

Scene+

The main Scotia cards that earn Scene+ points are the Scotiabank Gold American Express^® Card, the Scotiabank Passport^™ Visa Infinite +* Card, and the Scotiabank Platinum American Express^® Card. Scotiabank is essentially the only issuer of Scene+ cards. As a result, the number of welcome bonuses you can stack in a single year remains limited.

Compare

Scotiabank Passport^® Visa Infinite +* Card

Scotiabank Scene+

Annual fee: $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $350
Welcome offerAfter $2,000 in 3 months: Up to 35,000 points; Ends Nov 1, 2026

With this welcome offer for the Scotiabank Passport^® Visa Infinite^+* Card, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three months.

Plus, every year, earn an annual bonus of at least 10,000 Scene+ points when you charge at least $40,000 in purchases to your account. In total, the offer represents up to 35,000 Scene+ points and a value of up to $1,250 in the first year, including rewards, savings on foreign transaction fees and airport lounge access.

With the Scotiabank Passport Visa Infinite +* Card, you earn 3 points per $1 spent at Sobeys, IGA, Safeway, Foodland and participating Co-ops, and 2 points per $1 spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per $1 on all your other everyday purchases.

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

The Scotiabank Passport Visa Infinite +* Card also offers:

No fees for foreign currency transactions
6 complimentary airport VIP lounge passes
Excellent insurance for your travels and purchases
Visa Infinite* Concierge Services

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* The potential value of savings and rewards during the first 12 months includes the value of the welcome offer, the potential value of points earned in the first year, the value of savings on foreign currency transaction fees and the cost of airport lounge access as of May 22, 2026:

$250 in travel rewards (25,000 bonus Scene+ points) for new Scotiabank Passport^® Visa Infinite +* Cardholders who charge $2,000 in purchases to their account within the first three (3) months;

$100 in travel rewards (10,000 bonus Scene+ points) for cardholders who charge $40,000 in purchases to their account;

$50 in savings from the annual fee waiver on the first additional card for new Scotiabank Passport Visa Infinite +* Card credit card account holders;

$132 in savings on foreign currency transaction fees based on the average amount of foreign currency purchases made per active account over the past 24 months (by saving on the 2.5% foreign currency transaction fees typically charged by other credit card issuers);

$364 representing the potential value of points earned in the first year (36,400 Scene+ points) based on the average amount of purchases made per active account over the past 24 months, assuming an average spend of 21% of purchases in categories eligible for accelerated earn rates of 2X and 3X points;

$358 representing the value of complimentary membership in the Visa Airport Companion program which includes 6 airport lounge passes (based on « Preferred » membership valued at approximately $357 CAD/$259 USD). Based on the exchange rate in effect on May 22, 2026.

Maximum potential value after the first year = $1,254 (rounded to $1,250)

The actual value of offers, savings realized and points earned will vary depending on card usage and eligibility for applicable offers. Conditions apply.

1 Offer description and conditions: The 25,000 Scene+ points offer (the « offer ») applies only to new Scotiabank Passport Visa Infinite +* Card credit card accounts (the « accounts ») opened between August 4, 2026 and November 1, 2026 (regardless of the date you apply for the account) subject to the conditions below. The offer may be modified, cancelled or extended at any time without notice, and it cannot be combined with any other offer.

In addition, as a Scotiabank Passport Visa Infinite +* Cardholder, you are eligible for an annual bonus of 10,000 Scene+ points if you charge at least $40,000 in eligible everyday purchases to your Scotiabank Passport Visa Infinite +* Card account over the course of one year. Conditions apply; see below for more details.

Description and conditions of the 25,000 bonus Scene+ points offer: To be eligible for the 25,000 bonus Scene+ points offer (« 25,000 bonus points »), you must charge at least $2,000 in total eligible purchases to your account within the first three months following the account opening date.

Conditions for the annual 10,000 Scene+ points bonus:
As a Scotiabank Passport Visa Infinite +* Card credit cardholder, you can earn an annual bonus of at least 10,000 Scene+ points (the « annual points bonus ») if you charge at least $40,000 in eligible purchases to your account over the course of one year (12-month period). The annual period begins on the account opening date; a new period starts again every twelve months thereafter. If you replace another Scene+-eligible credit card with the Scotiabank Passport Visa Infinite +* Card (i.e., it is not a new card or an additional card), the opening date of your original account will be carried over to your new Scotiabank Passport Visa Infinite +* Card account and your annual period under this offer will begin on the next anniversary date of your original account opening. For example, if you originally opened a Scotiabank Gold American Express^® Card account on January 15, 2022 and you switch to the Scotiabank Passport Visa Infinite +* Card on July 15, 2025, your annual period under the 10,000 Scene+ points annual bonus offer will begin on January 15, 2026 (your next anniversary date) and a new period will start again on January 15 each year thereafter. You will earn 2,000 bonus Scene+ points for each additional $10,000 in purchases made during the same year once you have reached the $40,000 annual purchase threshold.

Eligible purchases means purchases, less refunds, returns and any other similar credits, and excludes payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, as well as card fees and other fees.

Fulfillment of the annual points bonus: Bonus points will be credited within approximately eight weeks after you become eligible for a bonus, provided the account is open and in good standing. In the case of a joint account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 25,000 bonus points and the annual points bonus will be credited to the Scene+ account linked to the account of the borrower who made the transaction that reached the eligible purchase threshold ($2,000, or $40,000) within the appropriate timeframe (the first three months, or the first 12 months). If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 25,000 bonus points, or the annual points bonus, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. It is possible to transfer points between the Scene+ accounts of a primary borrower, a co-borrower or an additional cardholder by contacting Scene+. An account is in good standing if it is not past due, there is no over-limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the account. All other program conditions continue to apply during the offer period.

Offer eligibility and exclusions: You cannot take advantage of the offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or have been one in the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, small business credit cardholders are eligible for this offer.

Rates and fees: The annual fees are $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to joint account holders and additional cardholders). The preferred annual interest rates applicable to the account are as follows: 20.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). The rates, fees, and features and benefits, which are described in the disclosure statement accompanying the application, may be changed.

Savings at Shell

Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 3 cents per litre in Scene+ points value with an eligible Scotiabank Passport Visa Infinite + card linked to a Shell Go+ Account:

Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on purchases of V-Power^® gasoline, or V-Power^® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.
Earn up to 3 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 1 Scene+ point per $1 spent. Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 3 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

Note: Highest value of 10 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Passport Visa Infinite + Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.

Additional 3¢/L at Shell (limited time)

Additional 3¢/L Fuel Discount Offer: Offer valid from October 5, 2026 to December 31, 2026 (“Promotional Period”), eligible Scotiabank credit and debit cardholders enrolled in the Shell Fuel Benefits Program who have linked an eligible Scotiabank payment card (an “Eligible Card”) to their Shell Go+ account will receive an additional instant fuel discount of 3 cents per litre on eligible fuel purchases at participating Shell-branded retail locations in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, and the Northwest Territories (the “Eligible Provinces”) excluding Shell Flying J locations. Fuel purchases made outside the Eligible Provinces are not eligible for this offer.

To receive the additional fuel discount, customers must pay with their linked Eligible Card at the time of purchase.

The additional fuel discount is in addition to the fuel savings available through the Shell Fuel Benefits Program and may be combined with other eligible fuel discounts, rewards programs, and promotional fuel offers unless otherwise stated in the applicable offer terms and conditions.

The additional fuel discount is available on up to 1,000 litres of eligible fuel purchases per calendar month for each Eligible Card. The 1,000-litre limit resets at the beginning of each calendar month.

The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.

Participation in the Shell Fuel Benefits Program is subject to the applicable program terms and conditions available at Scotiabank Fuel Benefit Terms and Conditions.

Shell Canada reserves the right to make changes to this offer and to terminate the offer at any time, for any reason and without notice.

All other applicable terms and conditions of the Shell Fuel Benefits Program, Shell Go+ and Scotiabank continue to apply.

Annual fee

Primary card$150

Additional card$0

Annual income required

Individual$60,000

Household$100,000

Conversion fees

Earning rate

3xWith the partner brand
2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending

Value

1st Year Value$704

2nd Year Value$397

Card benefits

Concierge service24/7

Airport lounge access$240

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 25 days

Travel medical (55-64)Up to $2,000,000 / 25 days

Travel medical (65+)Up to $2,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 48 days

Compare

Scotiabank Gold American Express^® Card

Scotiabank Scene+

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $500
Welcome offerAfter $7,500 in 12 months: Up to 50,000 points; Ends Nov 1, 2026

The Scotiabank Gold American Express Card offers an excellent welcome bonus.

Until November 1, 2026, you can earn up to 50,000 bonus Scene+ points, broken down as follows:

30,000 Scene+ points by charging $2,000 in purchases to the card within the first 3 months
20,000 Scene+ points by making $7,500 in purchases on the card in the first year

This represents a value of up to $500 for travel (including Airbnb).

With the Scotiabank Gold American Express Card, you earn 6 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

Also, you earn 5 points per dollar for:

Grocery stores
Restaurants
Entertainment centers

And 3 points per dollar on gas, transit and streaming services purchases.

You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). You can also use your points as cash back rewards with Scene+.

The Scotiabank Gold American Express Card also offers no foreign transaction fees, excellent insurance for your travel or purchases, concierge service, exclusive American Express benefits like the Front of the Line program.

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* The potential value of savings and rewards during the first 12 months includes the value of the welcome offer, the potential value of points earned in the first year and the value of foreign transaction fee savings as of May 22, 2026:

$300 in travel rewards (30,000 bonus Scene+ points) for new Scotiabank Gold American Express Cardholders who make purchases totaling $2,000 in the first 3 months

$200 in travel rewards (20,000 bonus Scene+ points) for making purchases totaling $7,500 in the first 12 months

$59 in foreign transaction fee savings based on the average annual amount of foreign currency purchases made per account over the last 24 months (saving on the 2.5% foreign transaction fee typically charged by other credit card issuers);

$398 corresponding to the potential value of points earned in the first year (38,500 Scene+ points) based on the average amount of purchases made, per account, over the last 24 months, assuming an average spend of 28% of purchases in categories eligible for accelerated earn rates of 6X, 5X and 3X points.

Maximum potential value after the first year = $957 (rounded to $950)

The actual value of offers, savings realized and rewards earned will vary depending on card usage and eligibility for offers. Conditions apply.

1 Offer Description and Conditions: The 50,000 Scene+ points offer (the « Offer ») applies only to new Scotiabank Gold American Express credit card accounts (the « Accounts ») opened between July 2, 2026, and November 1, 2026 (regardless of the date you apply for the account), subject to the conditions below. All other program terms and conditions continue to apply during the Offer period. The Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offer.

To qualify for the 30,000 bonus Scene+ points (the « 30,000 Bonus Points Offer »), you must make eligible purchases totaling at least $2,000 within three months of the account opening date. To qualify for the 20,000 additional bonus Scene+ points (the « 20,000 Additional Bonus Points Offer »), you must make $7,500 in eligible purchases on your new account during the first year (twelve months). Eligible purchases mean purchases, less refunds, returns and any other similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees and other fees.

Fulfillment of the Annual Bonus: Bonus points will be credited to the Scene+ account within approximately eight weeks after you qualify for a bonus, provided the account is open and in good standing. In the case of a joint account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 30,000 bonus points and the 20,000 additional bonus points will be credited to the Scene+ account linked to the account of the borrower who made the transaction that reached the eligible purchase threshold ($2,000 or $7,500) within the appropriate timeframe (the first three months or the first 12 months). If a supplementary cardholder makes the transaction that reaches the eligible purchase threshold for the 30,000 bonus points or the 20,000 additional bonus points, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. Points can be transferred between the Scene+ accounts of a primary borrower, co-borrower or supplementary cardholder by contacting Scene+. An account is in good standing if it is not delinquent, the credit limit is not exceeded, and the holder(s) have complied with the terms of the Revolving Credit Agreement applicable to the account. All other program terms and conditions continue to apply during the Offer period. The Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offer.

Eligibility and exclusions: You are not eligible for the Offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or if you have been within the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, Scotiabank small business credit cardholders are eligible for this Offer.

Rates and Fees: The current annual fee is $120 for the primary card and $29 for each additional card (including those issued to joint account holders and additional cardholders). The preferred annual interest rates currently applicable to the account are: 21.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions).
Rates, fees, features and benefits, which are described in the application statement, are subject to change.

Savings at Shell

Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 5 cents per litre in Scene+ points value with a Scotiabank Gold American Express Card linked to a Shell Go+ Account:

Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on purchases of V-Power^® gasoline, or V-Power^® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.
Earn up to 5 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 3 Scene+ points per $1 spent. Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 5 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

Note: Highest value of 12 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Gold American Express Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.

Additional 3¢/L at Shell (limited time)

To receive the additional fuel discount, customers must pay with their linked Eligible Card at the time of purchase.

The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.

Participation in the Shell Fuel Benefits Program is subject to the applicable program terms and conditions available at Scotiabank Fuel Benefit Terms and Conditions.

Shell Canada reserves the right to make changes to this offer and to terminate the offer at any time, for any reason and without notice.

All other applicable terms and conditions of the Shell Fuel Benefits Program, Shell Go+ and Scotiabank continue to apply.

Annual fee

Primary card$120

Additional card$29

Annual income required

Individual$12,000

Household$12,000

Conversion fees

Earning rate

6xWith the partner brand
5xGroceries
5xEntertainment
5xRestaurants
3xGas
3xStreaming
3xTransit
1xAll spending

Value

1st Year Value$1,460

2nd Year Value$461

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Up to $1,000,000 / 25 days

Travel medical (55-64)Up to $1,000,000 / 25 days

Travel medical (65+)Up to $1,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $1,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental Collision (primary)Up to $65,000 / 48 days

Compare

Scotiabank^®* Platinum American Express^® Card

Scotiabank Scene+

Annual fee: $399
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$800Total$800Plus $200 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $800
Welcome offerAfter $10,000 in 6 months: Up to 100,000 points; Ends Nov 1, 2026

For a limited time, by signing up for the Scotiabank Platinum American Express^® Card, you can earn up to 100,000 Scene+ points, worth up to $3,000 in value over the first 14 months (including about $1,000 in travel rewards from the bonus points).

With the Scotiabank Platinum American Express^® Card, you earn 2 points per dollar spent on all purchases. These points can be used against any travel purchase (plane tickets, hotels, all-inclusives, and even Airbnb), and you can also use them for other rewards in the Scene+ program, like cash back.

Plus, with this card, you pay no foreign transaction fees, and you get 10 free accesses to VIP airport lounges (Priority Pass).

And you benefit from excellent insurance for your trips and purchases, premium concierge service, and exclusive American Express Invitations offers.

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* The potential value of savings and rewards during the first 14 months includes the value of the welcome offer, potential savings, the potential value of points earned in the first year, and the value of savings on foreign transaction fees and airport lounge access as of May 22, 2026:

$600 in travel rewards (60,000 bonus Scene+ points) for new Scotiabank Platinum American Express cardholders who make purchases totalling $5,000 in the first 3 months

$200 in travel rewards (20,000 bonus Scene+ points) who make purchases totalling $10,000 in the first 6 months

$200 in travel rewards (20,000 bonus Scene+ points) when you post at least one (1) eligible purchase to your new account in the 14th month following the month the account was opened

$241 in savings on foreign transaction fees based on the average amount of foreign currency purchases made per account in the first year (by saving the 2.5% foreign transaction fee generally charged by credit card issuers);

$1,023 potential first-year points earnings (102,297 Scene+ points) on everyday purchases, based on the average amount of purchases made per account over the past 24 months;

$784 representing the value of Priority Pass membership and airport lounge passes for the primary cardholder (annual membership fee for a 10-visit plan, $454 CAD or $329 USD) and for one additional cardholder (annual membership fee of $137 CAD or $99 USD, plus 4 passes valued at $48 CAD or $35 USD each). Based on the exchange rate in effect on May 22, 2026.

Maximum potential value after 14 months = $3,048 (rounded to $3,000)

The actual value of offers, savings realized and rewards earned will vary depending on card usage and eligibility for offers. Conditions apply.

1 Offer description and terms and conditions: The offer of 100,000 bonus Scene+ points (the “Offer”) applies only to new Scotiabank Platinum American Express credit card accounts (the “Account”) opened between July 2, 2026 and November 1, 2026 (regardless of the date you apply for the Account), subject to the conditions below.

To be eligible for the 60,000 bonus Scene+ points (the “60,000 bonus points offer”), you must charge eligible purchases totalling at least $5,000 within three months of the Account opening date. To be eligible for the 20,000 bonus Scene+ points (the “additional 20,000 bonus points”), you must charge $10,000 in eligible purchases to your new Account during the first six months following the Account opening date. To be eligible for the additional 20,000 bonus Scene+ points (the “additional 20,000 bonus points”), you must make at least one (1) eligible purchase on your new Account during the 14th month following the month in which the Account was opened. Eligible purchases means purchases, less refunds, returns and any other similar credits, and excludes payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees and other fees.

Annual bonus fulfillment: Bonus points will be deposited into the Scene+ account within approximately eight weeks after you become eligible for a bonus, provided the Account is open and in good standing. In the case of a joint Account with a primary borrower and a co-borrower, bonus points will be deposited as follows: (i) the 60,000 bonus points and the 20,000 bonus points will be deposited into the Scene+ account linked to the Account of the borrower who made the transaction that reached the eligible purchase threshold ($5,000 or $10,000) within the applicable timeframe (the first three months or the first six months), and (ii) the additional 20,000 bonus points will be deposited into the Scene+ account linked to the Account of the borrower who made the first transaction considered an eligible purchase in the 14th month following the month the Account was opened. If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 60,000 bonus points or the 20,000 bonus points, or makes the first transaction to earn the additional 20,000 bonus points, the bonus points will be deposited into the Scene+ account linked to the primary borrower’s Account. Points can be transferred between the Scene+ accounts of a primary borrower, a co-borrower, or an additional cardholder by contacting Scene+. An Account is in good standing if it is not delinquent, there is no over-limit on the credit limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the Account. All other program terms continue to apply during the Offer period. The Offer may be changed, cancelled, or extended at any time without notice, and cannot be combined with any other offer.

Rates and fees: The current annual fee is $399 for the primary card and $99 for each additional card (including those issued to co-account holders and additional cardholders).
The preferred annual interest rates currently applicable to the Account are as follows: 9.99% on purchases and 9.99% on cash advances (including balance transfers and quasi-cash transactions). All rates, fees, features and benefits described in the application disclosure statement are subject to change.

Savings at Shell

Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 4 cents per litre in Scene+ points value with a Scotiabank Platinum American Express Card linked to a Shell Go+ Account:

Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on purchases of V-Power^® gasoline, or V-Power^® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.
Earn up to 4 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 2 Scene+ points per $1 spent. Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 4 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

Note: Highest value of 11 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Platinum American Express^® Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.

Additional 3¢/L at Shell (limited time)

To receive the additional fuel discount, customers must pay with their linked Eligible Card at the time of purchase.

The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.

Participation in the Shell Fuel Benefits Program is subject to the applicable program terms and conditions available at Scotiabank Fuel Benefit Terms and Conditions.

Shell Canada reserves the right to make changes to this offer and to terminate the offer at any time, for any reason and without notice.

All other applicable terms and conditions of the Shell Fuel Benefits Program, Shell Go+ and Scotiabank continue to apply.

Annual fee

Primary card$399

Additional card$99

Annual income required

Individual$12,000

Household$12,000

Conversion fees

Earning rate

2xAll spending

Value

1st Year Value$1,141

2nd Year Value$481

Card benefits

Concierge service24/7

Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 31 days

Travel medical (55-64)Up to $2,000,000 / 31 days

Travel medical (65+)Up to $2,000,000 / 10 days

Trip CancellationUp to $2,500

Trip InterruptionUp to $2,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $1,000

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

Aeroplan

The Aeroplan ecosystem is much larger. Indeed, TD, CIBC, and American Express all issue cards directly affiliated with Aeroplan, with bonuses ranging from 20,000 to over 100,000 points depending on the card and current offers.

Among the best current Aeroplan offers, you will find the following cards:

Compare

American Express^® Aeroplan^®* Reserve Card

American Express Aeroplan

Annual fee: $599
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,200Total$1,200Plus $500 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,200
Welcome offerAfter $7,500 in 3 months: Up to 85,000 points

With this welcome offer for American Express^® Aeroplan^®* Reserve Card, you can earn up to 85,000 Aeroplan points. Here’s how:

Earn 60,000 points after you spend $7,500 on your Card in your first 3 months of Cardmembership
Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in the 13th month

The annual fee goes from $599 to $799 on January 12, 2027. Only fees charged on or after that date follow the new price. Sign up now and your first year is billed at $599. The Additional Card goes from $199 to $249, and the Additional Reserve No Fee Card becomes the Reserve Companion Card at $25.

With this Amex Aeroplan Card, you earn 3X the points on purchases made directly with Air Canada and Air Canada Vacations. And 2x the points on Dining and Food Delivery purchases in Canada. Everywhere else, you will earn 1.25X the points.

With this Amex Aeroplan Premium Card, you receive many Air Canada travel benefits, such as access to Maple Leaf Lounges in North America for you and one guest, priority check-in, priority boarding and priority baggage handling. It’s the best Amex Aeroplan Card for frequent Air Canada flyers.

With this American Express Aeroplan Card, enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada^®* flights.

Like all American Express Canada Cards, there is no minimum income requirement.

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American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

Annual fee

Primary card$599

Additional card$199

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

3xAir Canada flights
2xRestaurants
1.25xAll spending

Value

1st Year Value$1,938

2nd Year Value$430

Card benefits

Concierge service24/7

Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days

Travel medical (55-64)Up to $5,000,000 / 15 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $1,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $1,000

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental Collision (primary)Up to $85,000 / 48 days

Compare

TD^® Aeroplan^® Visa Infinite Privilege* Credit Card

TD Aeroplan

Annual fee: $599
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,000Total$2,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $2,000
Welcome offerAfter $24,000 in 12 months: Up to 100,000 points

With the TD^® Aeroplan^® Visa* Infinite Privilege* Card, you can earn up to 100,000 Aeroplan points^† with a tiered welcome offer.

This card also offers premium travel benefits, including:

A partial rebate on NEXUS program application fees (up to $100 CAD per eligible cardholder) every 48 months^†
Unlimited access to Air Canada Maple Leaf Lounges^†, with complimentary access for one guest
6 complimentary visits per year to select international airport lounges through the Visa Airport Companion Program^† presented by DragonPass International Ltd.
First checked bag free for you and up to 8 travel companions on the same reservation when travel begins with an Air Canada flight^†

With the TD^® Aeroplan^® Visa* Infinite Privilege* Card, you earn:

Earn 2 points^† for every $1 spent on eligible purchases made direct through Air Canada^® purchases (including Air Canada Vacations^®)
1.5 points^† per dollar on eligible purchases of gas, electric vehicle charging, groceries, travel, public transit and dining
1.25 points^† per dollar on all other eligible purchases

Legal

^†Terms and conditions apply.

Annual fee

Primary card$599

Additional card$199

Annual income required

Individual$150,000

Household$200,000

Conversion fees

2.5%

Earning rate

2xAir Canada flights
1.5xRestaurants
1.5xGroceries
1.5xTravel
1.5xTransit
1.5xGas
1.25xAll spending

Value

1st Year Value$2,334

2nd Year Value$461

Card benefits

Concierge service24/7

Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 31 days

Travel medical (55-64)Up to $5,000,000 / 31 days

Travel medical (65+)Up to $5,000,000 / 4 days

Trip CancellationUp to $2,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $1,000

Lost BaggageUp to $2,500

Flight DelayUp to $1,000

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+2 years

Mobile DeviceUp to $1,500 / 2 years

Auto Rental CollisionUp to $65,000 / 48 days

FeaturedCompare

TD^® Aeroplan^® Visa Infinite* Card

TD Aeroplan First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $139
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,000Annual fee rebated$139Total$1,139Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,139
Welcome offerAfter $12,000 in 12 months: Up to 50,000 points

With this offer for the TD^® Aeroplan^® Visa Infinite* Card, you can get up to 50,000 Aeroplan points^† as well as an Annual Fee rebate for the first year^†.

Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card^†
Earn 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening^†.
Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $12,000 within 12 months of Account opening^†

This card also allows you to enjoy travel benefits, such as a free first checked bag for you and up to 8 travel companions on the same reservation^†, as well as a rebate on the NEXUS program application fee (up to $100 CAD per eligible cardholder) every 48 months^†.

With the TD^® Aeroplan^® Visa Infinite* Card, you earn 1.5 points^† per $1 spent on:

Grocery purchases
Gas and electric vehicle charging purchases
Purchases made directly with Air Canada^® (including Air Canada Vacations^®)

You also earn 1 point^† per dollar on all other eligible purchases made with your card.

Legal

^†Terms and conditions apply.

Annual fee

Primary card$139

Additional card$75

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

1.5xGas
1.5xGroceries
1.5xAir Canada flights
1xAll spending

Value

1st Year Value$1,714

2nd Year Value$425

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 21 days

Travel medical (55-64)Up to $2,000,000 / 21 days

Travel medical (65+)Up to $2,000,000 / 4 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

Compare

American Express^® Aeroplan^®* Card

American Express Aeroplan

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$700Total$700Plus $200 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $700
Welcome offerAfter $7,500 in 6 months: Up to 45,000 points

With this welcome offer for the American Express^® Aeroplan^®* Card, you can earn up to 45,000 Aeroplan points. Here’s how:

Earn 35,000 Aeroplan points after charging $7,500 to your Card within the first 6 months.
Plus, earn an additional 10,000 Aeroplan points when you spend $1,000 in the 13th month.

The annual fee goes from $120 to $150 on January 12, 2027. Only fees charged on or after that date follow the new price. Sign up now and your first year is billed at $120. The Additional Card goes from $50 to $59, and the Additional No Fee Card becomes the Companion Card at $25.

With this Card, you earn 2x the points on purchases with Air Canada and Air Canada Vacations.

And 1.5x the points for dining and food delivery services in Canada. Anywhere else, you will earn 1X the points.

Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada^®* flights.

Like all American Express Canada Cards, there is no minimum income requirement.

Legal

American Express is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, click on the Apply now link. Terms and conditions apply.

Annual fee

Primary card$120

Additional card$50

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

2xAir Canada flights
1.5xRestaurants
1xAll spending

Value

1st Year Value$1,428

2nd Year Value$379

Travel insurance

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental Collision (primary)Up to $85,000 / 48 days

Compare

TD^® Aeroplan^® Visa Platinum* Credit Card

TD Aeroplan First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $89
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$400Annual fee rebated$89Total$489Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $489
Welcome offerAfter $1,500 in 3 months: Up to 20,000 points

With the TD^® Aeroplan^® Visa Platinum* Card, you can earn up to 20,000 Aeroplan points and get a Annual Fee rebate for the first year:

10,000 Aeroplan points for the first purchase made with your card^†
10,000 additional Aeroplan points when you spend $1,500 within the first 90 days of opening your account^†
First-year Annual Fee waived for primary cardholder (instead of $89)^†.
To receive the first-year Annual Fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year Annual Fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.

With the TD^® Aeroplan^® Visa Platinum* Credit Card, you earn 1 point per dollar spent on eligible purchases for:

Grocery stores
Eligible purchases of gas or electric vehicle charging
Air Canada purchases, including Air Canada Vacations

This TD Aeroplan credit card requires no minimum income.

Legal

^†Terms and conditions apply.

Annual fee

Primary card$89

Additional card$35

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

1xGas
1xAir Canada flights
1xGroceries
0.67xAll spending

Value

1st Year Value$877

2nd Year Value$288

Travel insurance

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 48 days

Compare

American Express^® Aeroplan^®* Business Reserve Card

Business American Express Aeroplan

Annual fee: $599
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,600Total$1,600Plus $800 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,600
Welcome offerAfter $10,500 in 3 months: Up to 120,000 points

With this welcome offer for the American Express Aeroplan Business Reserve Card, you can earn up to 120,000 Aeroplan points:

Earn 80,000 Aeroplan points after making $10,500 in purchases in the first three months.
Earn an additional 40,000 Aeroplan points when you spend $3,500 in the 13th month.

The annual fee goes from $599 to $799 on January 12, 2027. Only fees charged on or after that date follow the new price. Sign up now and your first year is billed at $599. The Employee Card goes from $199 to $249, and the Employee No Fee Card becomes the Employee Expense Card at $25.

With this Card, you earn 3X the points on purchases made directly with Air Canada and Air Canada Vacations. And 2X the points on hotels and car rentals. Everywhere else, you will earn 1.25X the points.

With this Card, you benefit from many Air Canada travel benefits such as access to Maple Leaf lounges in North America for you and one guest, priority check-in, priority boarding and priority baggage handling.

Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada^®* flights.

Like all American Express Canada Cards, there is no minimum income requirement.

Legal

Annual fee

Primary card$599

Additional card$199

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

3xAir Canada flights
2xTravel
1.25xAll spending

Value

1st Year Value$2,446

2nd Year Value$426

Card benefits

Concierge service24/7

Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days

Travel medical (55-64)Up to $5,000,000 / 15 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $1,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $1,000

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental Collision (primary)Up to $85,000 / 48 days

Compare

CIBC^® Aeroplan^® Visa Infinite Privilege* Card

CIBC Aeroplan

Annual fee: $599
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,000Total$2,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $2,000
Welcome offerAfter $25,000 in 12 months: Up to 100,000 points

With the CIBC^® Aeroplan^® Visa Infinite Privilege* Card, you can earn up to 100,000 Aeroplan points^†:

10,000 Aeroplan points when you spend $1,000 or more during your first 2 monthly statement periods^†
40,000 Aeroplan points when you spend $5,000 or more during your first 4 monthly statement periods^†
50,000 Aeroplan points as an additional anniversary bonus when you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods^†
Access to Air Canada Maple Leaf lounges^†
6 annual visits to airport lounge members of the Visa Airport Companion^† Program hosted by Dragonpass International Ltd.
Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight^†

It’s the best CIBC credit card for Air Canada frequent flyers.

Legal

^† Terms and conditions apply. The information for the CIBC^® Aeroplan^® Visa Infinite Privilege* Card has been collected independently by Milesopedia. The card details on this page have not been reviewed or provided by the card issuer.

Annual fee

Primary card$599

Additional card$149

Annual income required

Individual$150,000

Household$200,000

Conversion fees

2.5%

Earning rate

2xAir Canada flights
1.5xGroceries
1.5xPharmacy
1.5xGas
1.25xAll spending

Value

1st Year Value$2,262

2nd Year Value$283

Card benefits

Concierge service24/7

Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 31 days

Travel medical (55-64)Up to $5,000,000 / 31 days

Travel medical (65+)Up to $5,000,000 / 10 days

Trip CancellationUp to $2,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+2 years

Auto Rental Collision (primary)Up to $85,000 / 48 days

Compare

CIBC Aeroplan^® Visa* Business Card

Business CIBC Aeroplan First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $180
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,500Annual fee rebated$180Total$1,680Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,680
Welcome offerAfter $40,000 in 12 months: Up to 75,000 points

The CIBC Aeroplan^® Visa* Business Card is the go-to business credit card for earning Aeroplan points on your company spending.

Get up to 75,000 Aeroplan points, a value of up to $1,500^†:

10,000 points the first time you make a purchase
25,000 points when you spend at least $7,500 within the first 3 statement periods
25,000 points when $40,000 or more in purchases are charged to the account within the first 12 monthly statement periods
An additional bonus of 15,000 points when $40,000 or more is charged to the account in the first year

On top of that, you get a one-time annual fee rebate for the primary cardholder ($180) and three additional cardholders ($50 each), a benefit valued at $330^†.

What the card gives you after that:

1 Aeroplan point per dollar on eligible purchases
Free first checked bag^†, a benefit valued at $140 for two travellers per round-trip flight
Additional cards for your employees, at $50 each

The annual fee is $180. The annual interest rate is 12.99% on purchases and 14.5% on cash advances. A 2.5% conversion fee applies to foreign currency transactions.

Annual fee

Primary card$180

Additional card$50

Annual income required

Individual$35,000

Household$35,000

Conversion fees

2.5%

Earning rate

2xAir Canada flights
1.5xGas
1.5xTransit
1.5xRestaurants
1.5xTelecom
1xAll spending

Value

1st Year Value$2,112

2nd Year Value$355

Travel insurance

Travel MedicalIncluded

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental Collision (primary)Up to $65,000 / 48 days

Compare

CIBC Aeroplan^® Visa Infinite* Card

CIBC Aeroplan First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $139
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,000Annual fee rebated$139Total$1,139Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,139
Welcome offerAfter $12,000 in 12 months: Up to 50,000 points

With the CIBC Aeroplan^® Visa Infinite* Card, you can earn up to 50,000 Aeroplan points and a rebate on annual fees for the first year:

10,000 Aeroplan points the first time you make a purchase^†
15,000 Aeroplan points when you spend $6,000 or more during the first 6 monthly statements periods^†
25,000 Aeroplan points as an additional anniversary bonus when you have at least $12,000 in net purchases posted on your account during the first 12 monthly statement periods^†
First-year annual fee waived for primary cardholder (instead of $139)^†
First-year annual fee waived for up to 3 additional cardholders (instead of $50 per card)^†
Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight^†

It’s the best CIBC credit card for occasional Air Canada travellers.

Legal

^† Terms and conditions apply. The information for the CIBC Aeroplan^® Visa Infinite* Card has been collected independently by Milesopedia. The card details on this page have not been reviewed or provided by the card issuer.

Annual fee

Primary card$139

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

1.5xGas
1.5xPharmacy
1.5xGroceries
1.5xAir Canada flights
1xAll spending

Value

1st Year Value$1,768

2nd Year Value$425

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days

Travel medical (55-64)Up to $5,000,000 / 15 days

Travel medical (65+)Up to $5,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental Collision (primary)Up to $65,000 / 48 days

Additionally, American Express Membership Rewards cards allow you to transfer points to Aeroplan at a 1:1 ratio.

In practical terms, this variety of issuers makes it possible to earn substantial bonuses across multiple cards within the same year. By contrast, the options are much more limited on the Scene+ side.

Everyday earning

Once the welcome bonuses have been earned, you need to think about long-term earning potential. The two programs take very different approaches.

Scene+

Earning via Scene+ credit cards is attractive, especially with the Scotiabank Gold American Express^® Card. It offers 6 points per dollar at Sobeys and IGA grocery stores, 5 points per dollar at other grocery stores, restaurants, and entertainment venues, and 3 points per dollar on gas, transit, and streaming services.

Where Scene+ really shines is in its frequent promotions. For example, offers like 1,000 Scene+ points for every $100 spent at IGA come back regularly. In addition, gift card promotions—typically 750 points for $100 in gift cards purchased at the grocery store—are particularly powerful.

The principle is simple: you earn points when you buy gift cards, then use those cards for expenses you would have made anyway. Sometimes, you can even earn extra points with your credit card. This is what is known as a double or triple dip. As a result, your effective earning rate increases significantly. To learn more, see our guide on how to use your Scene+ points to save on travel.

Aeroplan

On the Aeroplan side, the American Express Cobalt^® Card is the most powerful earning tool for everyday use. With 5 Membership Rewards points per dollar at grocery stores and restaurants, combined with a 1:1 transfer to Aeroplan, you effectively earn 5 Aeroplan points per dollar in everyday categories. Hard to beat.

Redemption flexibility

This is the area where the two programs differ the most. Here, Scene+ has a significant edge in terms of simplicity.

Scene+

With Scene+, the process is straightforward. First, you book your trip as you normally would, through any website or travel agency. Next, you pay with your Scotiabank card. Finally, you apply your Scene+ points to the transaction from your online banking. The program accepts eligible purchases from the past 12 months. In addition, there is no points pricing chart, no fuel surcharges to factor in, and no limited award availability to consider.

A second option is available via Scene+ Travel by Expedia. You can book hotels, cars, and excursions there while earning 3 points per dollar spent, then apply your points to the total.

And what if your travel plans change? Scene+ points can also be used at the same rate for grocery purchases at IGA and Sobeys banners. Indeed, it’s a guarantee of value that few programs can offer.

Aeroplan

Aeroplan offers several ways to redeem points. However, navigating the program takes time and research for beginners, with a real learning curve to overcome. To get started, see our guide Aeroplan for beginners.

For Air Canada flights, pricing is dynamic—meaning it fluctuates based on season and demand. All available seats can be purchased with Aeroplan points, which is an advantage. However, for flights on Star Alliance partners (Lufthansa, United, Singapore Airlines, Etihad, Emirates, and more than 45 others), pricing is fixed based on a zone chart, but award availability is limited. You therefore need to book early, sometimes up to a year in advance.

For Air Canada Vacations all-inclusives, redemption is at a fixed rate: 5,000 points gives $50 off, 100,000 points gives $1,000 off, and so on. In addition, you can apply up to 500,000 points per booking. For details, see our guide on using your Aeroplan points for an all-inclusive.

For hotels, Aeroplan HotelSavers provides access to more than 6,000 properties worldwide. It is also possible to rent a car with Aeroplan points. For detailed planning, read our guide on booking a trip with your Aeroplan points.

Value of a point

Scene+

A Scene+ point is always worth 1 cent, whether it is used for a flight, hotel, car rental, or groceries. This predictability is one of the program’s biggest advantages.

This means you know exactly what your points are worth when you earn them and when you redeem them. This is particularly appealing for travellers who want to avoid complex calculations or unpleasant surprises. To compare with other programs, see our analysis of points value.

Aeroplan

Milesopedia values an Aeroplan point at about 2 cents. That said, the real value varies depending on how you use it. For example, when used for an Air Canada Vacations all-inclusive, an Aeroplan point is worth 1 cent. When used for a very low-cost flight (a deal), it can be worth less than that. On the other hand, when used for an economy flight on a partner with fixed pricing where the cash price is high, the value increases. For a well-optimized business class flight, with a well-structured Aeroplan stopover, the value can exceed 5 cents per point.

By comparison, for Aeroplan car rentals, the redemption value is about 1.1 cents per point. It is not the most optimal use, but it is still above the floor value.

One of the most interesting features of the Aeroplan program is the stopover option, which simply has no equivalent on the Scene+ side. Aeroplan pricing is based on one-way segments between four zones. For just 5,000 additional points, you can add a stopover of more than 24 hours (up to 45 days) to your itinerary. Additionally, several layovers of less than 24 hours can be added for free. In practice, this can result in impressive itineraries.

Scene+ vs Aeroplan comparison table

Criteria	Scene+ (Scotia)	Aeroplan (Air Canada)
Co-branded cards	Scotiabank only	TD, CIBC, Amex (+ Membership Rewards)
Welcome bonuses	Up to 80,000 pts (depending on offers)	Up to 150,000 pts (depending on offers)
Grocery earning	Up to 6X with Scotia Gold Frequent promotions (IGA double/triple dip)	Up to 5X via Amex Cobalt + 1:1 transfer
Redemption flexibility	Very high (all travel, groceries, 12 months)	Good, but more complex to master (zones, availability)
Value per point	Fixed 1 cent	1 to 5+ cents depending on use
Ease of use	Very easy	Learning curve required
All Inclusive	Any agency or tour operator	Air Canada Vacations only
Hotels	Any hotel or Expedia	Aeroplan HotelSavers (6,000+ properties)
Stopover/layover option	Not available	Yes
Maximum value potential	Limited	High (business class, stopovers, partners)
For non-travellers	Groceries at the same rate	Gift cards

Which program should you choose based on your profile?

The honest answer is that the two programs are not aimed at quite the same profile.

Choose Scene+ if…

You prioritize simplicity: predictable, consistent value, without complex calculations.
You want versatility: use your points for groceries as well as travel.
You shop at IGA and Sobeys: regular promotions boost your earning rate.
You book travel anywhere: Scene+ accepts any travel purchase charged to your Scotia card within the past 12 months.

Choose Aeroplan if…

You want to maximize value: get the most out of every point you earn.
You earn quickly: through multiple cards and transfer partners.
You are aiming for business class: tickets that would otherwise be very expensive to pay for in cash.
You like complex itineraries: stopovers, layovers, and destinations on Star Alliance partners.

Combine both if possible

Combining both programs is the most effective strategy. On the one hand, you use Aeroplan-linked cards (notably the Amex Cobalt) for everyday spending. On the other hand, you take advantage of Scene+ promotions at IGA—especially gift card promotions—to earn points without changing your habits. This way, both balances grow in parallel.

When it is time to book, assess whether you are better off paying with Aeroplan points or cash. If you need to pay cash, your Scene+ points will be the heroes. Finally, if you use your Aeroplan points for flights, nothing prevents you from using your Scene+ points for accommodation.

Conclusion

Scene+ and Aeroplan are both solid programs, but they meet different needs. If you are new to the points world and want an accessible program with no surprises, Scene+ is an excellent starting point. However, if you are ready to invest time to learn the rules, maximize your points, and aim for business class or multi-destination itineraries, Aeroplan will offer far greater potential.

The ideal approach? Understand both programs, use each where it excels, and build a strategy that matches your travel pace. To compare all the tools available, see our selection of the best credit cards in Canada.

Scene+ vs Aeroplan – Frequently asked questions

Which program is easiest for a beginner to use?

Scene+ is significantly simpler. You book your trip as usual, pay with your Scotia card, then apply your points to the transaction. There is no pricing chart or limited availability to manage.

How much is a Scene+ point worth?

A Scene+ point is always worth 1 cent, regardless of how it is used: flights, hotels, car rentals, or groceries at IGA and Sobeys. This predictability is one of the program’s key advantages.

How much is an Aeroplan point worth?

Milesopedia values an Aeroplan point at about 2 cents on average. However, the real value varies: 1 cent for an Air Canada Vacations all-inclusive, and more than 5 cents for a well-optimized business class flight with a stopover.

Can you transfer points between Scene+ and Aeroplan?

No, there is no direct transfer between the two programs. However, the American Express Cobalt Card lets you earn Membership Rewards points that can be transferred to Aeroplan at a 1:1 ratio.

Which card should you choose to earn Scene+ points?

The three main options are the Scotiabank Gold American Express^® Card, the Scotiabank Passport^™ Visa Infinite +* Card, and the Scotiabank Platinum American Express^® Card. The Gold Amex stands out for groceries with 6 points per dollar at IGA and Sobeys.

What is the best card for Aeroplan?

It depends on your profile. For everyday earning, the American Express Cobalt Card is unbeatable thanks to the 1:1 transfer. For travel benefits, the TD Aeroplan Visa Infinite Privilege Card and the Aeroplan American Express* Card are excellent choices.

Do Scene+ points expire?

Scene+ points do not expire as long as your account remains active. Minimal activity (earning or redeeming) is required within a given period to keep your balance.

Can you use both programs at the same time?

Absolutely—and it is even the most effective strategy. Use the Amex Cobalt to earn Aeroplan points via Membership Rewards, and take advantage of Scene+ promotions at IGA and Sobeys. You can then use each balance where it offers the best value.