Loyalty Program: Scene+

  • Earn up to 5,000 bonus Scene+ points within your first 3 months (that’s up to $50 towards travel).
  • Earn 3x Scene+ points on every $1 you spend at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
  • Earn 2x Scene+ points for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions.
  • Earn 2 times more Scene+ points for every $1 you spend on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
  • Earn 2 times more Scene+ points for every $1 you spend on eligible gas and daily transit. Includes rideshares, buses, subway, taxis and more.
  • Earn 2x Scene+ points for every $1 you spend on eligible select streaming sevices.
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
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*Conditions apply. Rates, fees and other information are effective as of July 2, 2024. Subject to change.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2Scene+ points
  • Gas2Scene+ points
  • Dining and Food delivery2Scene+ points
Value
  • Year 1 $393
  • Year 2+ $343
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 5X points on groceries and dining
  • No Foreign Transaction Fee
  • American Express Online Promotional Offers
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Best credit card for families in 2023
  • Earn up to $950* in value in the first 12 months, including up to 45,000 bonus Scene+ points and an annual fee waiver for the first year.
  • You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies
  • Earn 6x Scene+ points on every $1 you spend at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
  • Earn 5x Scene+ points for every $1 you spend on restaurant, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
  • Earn 5x Scene+ points for every $1 you spend in Canada on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
  • Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more.
  • Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming sevices.
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
  • No Foreign Transaction Fee
  • Comprehensive Travel Insurance coverage
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*Conditions apply. Rates, fees and other information are effective as of July 2, 2024. Subject to change.

Annual Fee
  • Primary card $120
  • Additional card $29
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries5Scene+ points
  • Dining and Food delivery5Scene+ points
  • Entertainment5Scene+ points
Value
  • Year 1 $1,151
  • Year 2+ $461
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
25 day(s)
Travel medical insurance up to 64 years old
$1,000,000
25 day(s)
Travel medical insurance 65+
$1,000,000
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$1,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
Best No-FX Fee Credit Card In 2024
  • Earn up to $1,100* in savings and rewards in the first 12 months, including up to 35,000 bonus Scene+ points*.
  • Earn 3x Scene+ points* on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops and more
  • Earn 2 times more Scene+ points* for every dollar spent at other eligible grocery stores, restaurants, entertainment and commuting options (including car pools, buses, subways, cabs and more).
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
  • No Foreign Transaction Fee
  • 6 Complimentary Airport Lounge Access
  • Comprehensive Travel Insurance coverage
  • Visa Infinite* Concierge Services
  • Visa Infinite* Hotel Collection
  • Visa Infinite* Dining and Wine Country program

Rates, fees and other information are effective as of July 2, 2024. Subject to change.

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*Conditions apply.

Earning Rate
  • Groceries2Scene+ points
  • Dining and Food delivery2Scene+ points
  • Local Transport2Scene+ points
Value
  • Year 1 $747
  • Year 2+ $397
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
25 day(s)
Travel medical insurance up to 64 years old
$1,000,000
25 day(s)
Travel medical insurance 65+
$1,000,000
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000

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