Loyalty Program: Scene+

  • No Foreign Transaction Fee
  • Premium Insurance
  • 10 free access to VIP lounges
Learn More
  • Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points.
  • Earn 2X the Scene+ points for every $1 in eligible purchases at grocery stores, restaurants, and entertainment.
  • Earn 2X the Scene+ points for every $1 of eligible gas and public transit purchases. Includes bus, metro, taxis, ridesharing and more.
  • Earn 2X Scene+ points for every $1 spent on all your other purchases.
  • Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
  • 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.
  • Enjoy 10 free airport lounge visits per year.
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*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Annual Fee
  • Primary card $399
  • Additional card $99
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 9.99 %
  • Cash Advance Rates 9.99 %
  • Balance Transfer Rates 9.99 %
Earning Rate
  • All Spending2Scene+ points
  • Groceries2Scene+ points
  • Gas2Scene+ points
Value
  • Year 1 $1,281
  • Year 2+ $481
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
$2,000,000
31 day(s)
Travel medical insurance up to 64 years old
$2,000,000
31 day(s)
Travel medical insurance 65+
$2,000,000
10 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
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

Receive up to 7,500 bonus Scene+ points for the first three months (up to $75 in rewards).

  • Earn Scene+ points at Home Hardware and redeem with any Scene+ rewards partner.
  • Earn 1 Scene+ point for every $1 spent on your card for eligible business purchases at Home Hardware.
  • Redeem your Scene+ points on what you want for your business – business travel, office improvements, entertainment, groceries, gift cards from 60+ brands, tech, and even account credits.
  • Use at any retailer where Visa is accepted.
  • Manage your cash flow with a 21-Day interest free grace period on new purchases.

Visa* SavingsEdge

One great program – two paths to savings on your everyday business purchases with Visa SavingsEdge:

  • Everyday Savings Offers: automatically available after you enroll, requiring no coupons or codes and are applied as statement credits on enrolled Visa Business cardholder’s future account statements.
  • Instant Savings Offers: savings applied to your cart using a promotion code prior to making a qualifying purchase on a participating merchant’s website.

It’s free to join. Visit Visa SavingsEdge to enroll your eligible business and learn more.

Save on car rentals

  • As a Scotia Home Hardware PRO Visa Business cardholder, you can save up to 25% off base rates at participating AVIS locations Worldwide and at participating Budget locations in Canada and the U.S. when you pay with your Scotia Home Hardware PRO Visa Business card.

Save time at the checkout

  • Tap your Scotia Home Hardware PRO Visa Business Card or your mobile wallet for quick easy payments.
  • Visa payWave* – Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!
  • Click to Pay – Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.
  • Also, use your phone to make on-the-go payments with: Google Pay, Samsung Pay, Apple Pay.

Insurance Coverage

  • Purchase Security Extended Warranty Protection
  • Optional Scotia Business Loan Protection Insurance
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*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual
  • Household
Conversion fees
  • %
Interest Rates
  • Purchase Rates
  • Cash Advance Rates
  • Balance Transfer Rates
Earning Rate
  • All SpendingScene+ Point
  • GroceriesScene+ Point
  • GasScene+ Point
Value
  • Year 1
  • Year 2+
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

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