Scene+: New No Annual Fee Credit Card Offers!

Q: Which Scene+ no annual fee credit cards are currently offered?

Two no-annual-fee Scene+ cards are currently available:- Scotiabank® Scene+™ Visa Card: up to 10,000 Scene+ points after spending $1,000 in the first 3 months (~$100 value); - Scotiabank American Express® Card: up to 5,000 Scene+ points — 2,500 points after the first $250 in purchases plus 2,500 points after $1,000 in the first 3 months (~$50 value); Both cards waive the annual fee permanently and let you earn Scene+ points that can be redeemed for movies, groceries at Empire stores (Sobeys, IGA, FreshCo), or travel.

Q: How do the earning rates compare between the two Scene+ no-fee cards?

Earning structures differ:- Scotiabank Scene+ Visa: 2 points per dollar at Empire-banner grocery stores (Sobeys, IGA, FreshCo, Foodland) and Home Hardware; 1 point per dollar everywhere else; - Scotiabank American Express: 3 points per dollar at select grocery retailers, 2 points per dollar on groceries, restaurants, entertainment, gas, transit and streaming; 1 point per dollar elsewhere; The Amex version delivers significantly more flexibility on dining and entertainment, but Visa-network acceptance is broader, especially at smaller merchants.

Q: Are these Scene+ no-fee cards good for someone building credit?

Yes. With no annual fee, modest income requirements, and standard rewards earnings, both cards work well for students, newcomers and credit builders. The Scotiabank Scene+ Visa is particularly accessible — Scotiabank offers a student version with the same rewards structure and no income requirement when in school. Both cards report to the major credit bureaus, so consistent on-time payments will build credit history. Just remember that no annual fee also means thinner insurance coverage: there’s no emergency medical or trip cancellation insurance on either card.

Credit Cards Scene+: New No Annual Fee Credit Card Offers!

To the point Here are the new welcome offers for Scene+ credit cards with no annual fee. Earn points without paying annual fees!

Below are the new welcome offers for Scotiabank’s no-annual-fee Scene+ credit cards.

With these Scene+ credit cards+, you will get Scene+ points which you can redeem for:

Travel
cash back at the grocery store
movie tickets
gift cards
Products

Scene+ credit cards with no annual fee

Scotiabank^® Scene+™ Visa* Card

Are you looking for a Scene+ credit card with no annual fee? The Scotiabank^® Scene+™ Visa* Card is ideal for students or those who do not wish to pay annual fees.

For a limited time, you can get up to 10,000 Scene+ points after spending $1,000 in the first three months. This is enough to give you $100 towards travel or your grocery purchases.

With the Scotiabank^® Scene+™ Visa* Card, you get 2 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.

You’ll also earn 2 points for every dollar you spend at Home Hardware stores!

And you get 1 point Scene+ on all your other purchases.

It’s a great Visa credit card with no annual fee to get Scene+ points.

Scotiabank American Express^® Card

Scotiabank American Express^® Card is one of the best no-annual-fee credit cards in Canada.

For a limited time, you can earn up to 5,000 points in the first three months, which represents a $50 value for travel (including Airbnb) :

2,500 Scene+ points after $250 spent in the first three months
2,500 Scene+ points after $1000 spent in the first three months

With Scotiabank American Express^® Card, you earn 3 points per dollar spent 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.

Also, you get 2 points per dollar for:

Grocery stores
Restaurants
Entertainment centers
Gas stations
local transportation
streaming services

And 1 point per dollar of purchase for all other purchases.

These points can be used against any travel purchase (air tickets, hotels, all-inclusives and even Airbnb) or with Scene+ partners for cash back.

Scene+ credit cards with annual fee

Below you’ll find welcome offers for Scene+ credit cards with annual fees from Scotiabank.

These give you more points as a welcome bonus, travel benefits (such as no conversion fees for foreign currency transactions or access to airport VIP lounges) and excellent insurance.

Scotiabank Passport™ Visa Infinite +* Card

With this welcome offer for the Scotiabank Visa Infinite ^+* Passport^MC Card, you get up to 60,000 Scene+ points as a welcome bonus (a value of $600):

40,000 points after $2,000 in purchases within the first three months
10,000 points after $10,000 in purchases within the first six months
10,000 points after $40,000 in purchases in the first year

Then, each year, if you make at least $40,000 in purchases on the card, you’ll earn an annual bonus of at least 10,000 points, which represents a $100 value.

With the Scotiabank Visa Infinite +* Passport^MD Card, you earn 3 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.

You also earn 2 points per dollar spent, including on foreign purchases, in the following categories:

Grocery shopping
Restaurants
Entertainment centers
Transit

The Scotiabank Visa Infinite +* Passport^MD Card is an excellent Visa credit card for these types of purchases.

These points can be used for any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusive packages, and even Airbnb). You can also redeem your points as cash back with Scene+, for example, at your grocery store checkout at the same rate of 1,000 points = $10.

The Scotiabank Visa Infinite +* Passport^MD Card also offers:

No fees for foreign currency transactions
6 access to VIP airport lounges
Excellent insurance for your travels and purchases
Concierge service
Travel with confidence with 10 GB of free GigSky global mobile data for 15 days, plus access to GigSky Travel Essentials for essential apps on the go.
Cardholders also receive a free 1 GB/15-day GigSky global mobile data package annually, plus a 20% discount on future GigSky purchases.

We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.

Scotiabank Gold American Express^® Card

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

Until July 1, 2026, you can get up to 45,000 Scene+ points as a bonus, distributed as follows:

25,000 Scene+ points by spending $2,000 on 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 $450 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.

Scotiabank^®* Platinum American Express^® Card

For a limited time, by subscribing to Scotiabank Platinum American Express^® Card, you can earn up to 80,000 points. That’s a value of $800 for trips including Airbnb.

With Scotiabank Platinum American Express^® Card, you earn 2 points per dollar spent on all your purchases. You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). And you can also use them for other rewards in the Scene+ program, such as cash back.

What’s more, with this card you pay no fees for foreign currency transactions, and you get 10 free accesses to airport VIP lounges like Priority Pass and Premium Plaza.

And you get excellent insurance for your travels or purchases, concierge service, and exclusive American Express Offers (American Express Invites Program).

Interested in the Scene+ program? Check out these Scene+ credit card offers offers:

Frequently Asked Questions about the Scene+ No Annual Fee Credit Card Offers

Here are frequently asked questions in the milesopedia community about these cards.

Which Scene+ no annual fee credit cards are currently offered?

Two no-annual-fee Scene+ cards are currently available:

Scotiabank^® Scene+™ Visa Card: up to 10,000 Scene+ points after spending $1,000 in the first 3 months (~$100 value)
Scotiabank American Express^® Card: up to 5,000 Scene+ points — 2,500 points after the first $250 in purchases plus 2,500 points after $1,000 in the first 3 months (~$50 value)

Both cards waive the annual fee permanently and let you earn Scene+ points that can be redeemed for movies, groceries at Empire stores (Sobeys, IGA, FreshCo), or travel.

How do the earning rates compare between the two Scene+ no-fee cards?

Earning structures differ:

Scotiabank Scene+ Visa: 2 points per dollar at Empire-banner grocery stores (Sobeys, IGA, FreshCo, Foodland) and Home Hardware; 1 point per dollar everywhere else
Scotiabank American Express: 3 points per dollar at select grocery retailers, 2 points per dollar on groceries, restaurants, entertainment, gas, transit and streaming; 1 point per dollar elsewhere

The Amex version delivers significantly more flexibility on dining and entertainment, but Visa-network acceptance is broader, especially at smaller merchants.

What can I redeem Scene+ points for?

Scene+ points are one of the most versatile loyalty currencies in Canada:

Groceries at Empire-banner stores (Sobeys, IGA, FreshCo, Foodland, Voilà) at 1,000 points = $10
Travel through the Scene+ Travel portal (1,000 points = $10)
Movies at Cineplex theatres
Statement credit on your Scotiabank credit card
Gift cards and Apple/digital purchases

Grocery and travel redemptions deliver the best one-cent-per-point value, making Scene+ unusually liquid versus most no-annual-fee programs.

Are these Scene+ no-fee cards good for someone building credit?

Yes. With no annual fee, modest income requirements, and standard rewards earnings, both cards work well for students, newcomers and credit builders. The Scotiabank Scene+ Visa is particularly accessible — Scotiabank offers a student version with the same rewards structure and no income requirement when in school. Both cards report to the major credit bureaus, so consistent on-time payments will build credit history. Just remember that no annual fee also means thinner insurance coverage: there’s no emergency medical or trip cancellation insurance on either card.

Come to discuss that topic in our Facebook Group!

Marie-Ève Leclerc

Marie-Ève, Web Director at Milesopedia, is an expert in budget travel and a slow travel enthusiast. Specializing in Aeroplan, Scene+, and Marriott Bonvoy programs, she spends nearly six months a year abroad, making travel her way of life. Constantly seeking the best waves to surf, excellent coffee, and strategies to extend her travels, she is often found in coworking spaces with fellow digital nomads or by the sea, watching the sunset.

All posts by Marie-Ève Leclerc

Scene+ credit cards with no annual fee

Scene+ credit cards with annual fee

Frequently Asked Questions about the Scene+ No Annual Fee Credit Card Offers

Suggested Reading