Entrepreneurs and SMEs: This Credit Card Is Your Best Tool at Home Hardware

Q: What does the Scotia ® Home Hardware PRO Visa ® Business Card welcome offer include?

The card offers 15,000 Scene+ points (worth $150 ) after spending $1,000 on eligible Home Hardware purchases within the first three months. It is paired with a $0 annual fee , both for the primary card and for additional cards, which makes the bonus pure profit for any contractor or SME owner who already shops at Home Hardware. Scene+ points can be redeemed for travel, statement credits, Cineplex tickets, or grocery purchases, giving real flexibility once the bonus posts to the account.

Q: Who is this card designed for?

It is purpose-built for construction professionals, renovators, contractors, and small-to-medium business owners who source materials regularly from Home Hardware’s 1,100 Canadian locations . Key advantages for SMEs include: Credit limits up to $500,000 21-day interest-free grace period on new purchases Personalized spending limits on additional cards for employees Free Visa SavingsEdge membership with up to 25% off car rentals If you don’t spend at Home Hardware regularly, a more general-purpose business card will out-earn this one.

Q: How do I earn Scene+ points on Home Hardware purchases?

The card earns 1 Scene+ point per $1 on Home Hardware purchases, with no cap on the welcome bonus side. The interest rate is linked to Scotiabank’s prime rate , so financing costs stay competitive with other business lines of credit. To make the most of the program, run all your Home Hardware invoices through the card and pay it off monthly — you stay inside the 21-day grace period and Scene+ points stack with any in-store loyalty benefit. Combine with the Visa Spend Clarity for Business tool to digitize receipts and track expenses.

Q: Can employees use this card for company purchases?

Yes — additional cards are free and you can set personalized spending limits per employee. That makes it easy to give a foreman a card with a $5,000 monthly cap for jobsite supplies while keeping the principal’s card open at the higher business limit. All transactions roll up into the same Scene+ rewards balance, and the Visa Spend Clarity for Business platform automatically categorizes spending and digitizes receipts — valuable for SMEs that need clean records at year-end without an accounting overhead.

Are you a construction or renovation contractor? Or a professional who frequently spends money at Home Hardware? The Scotia^® Home Hardware PRO Visa* Business Card can help you manage your business expenses and accumulate Scene+ points for all kinds of rewards.

The New Scotiabank Credit Card for Home Hardware

Scotiabank recently announced a new small business credit card offering Scene+ points for professionals who frequently spend money at Home Hardware stores. In the long term, the benefits of Scotia^® Home Hardware PRO Visa* Business Card are in reward accumulation and business management:

1 Scene+ point for every $1 spent at Home Hardware
$0 annual fee for main card and additional cards
Credit limit of up to $500,000
Competitive interest rate linked to Scotiabank prime rate
Use your credit card at any retailer
21-day interest-free grace period on new purchases
Free Visa SavingsEdge membership
Discounts of up to 25% on base car rental rates (in Canada and the U.S.)
Access to the Visa Spend Clarity for Business service

Entrepreneurs and SMEs: This Credit Card Is Your Best Tool at Home Hardware - construction-2

Business Management Benefits

Visa SavingsEdge is a service that offers savings on business purchases in two ways:

Everyday savings: Available as soon as you sign up for the service, no voucher or code is required; discounts are automatically credited to the registered Visa account holder’s statement.
Instant Savings Offers: savings applied to your cart using a promotion code prior to making a qualifying purchase on a participating merchant’s website.

Visa Spend Clarity for Business allows you to:

set personalized limits for additional cards, allowing you to track employee and company spending,
effectively manage your expenses with a personalized dashboard and time-saving reports,
and manage your receipts by digitizing them with photos and adding your own comments.

Welcome Bonus and Other Benefits

The Scotia^® Home Hardware PRO Visa* Business Card also offers a welcome bonus of 15,000 points ( $150 value) after spending $1,000 on eligible purchases at Home Hardware (and its participating stores at Scene+) in Canada and online within the first three months.

And the best part? The card has no annual fee, making it an excellent tool for your purchases. So you can keep it for the long term and use it as you need it, without having to pay annual fees.

Entrepreneurs and SMEs: This Credit Card Is Your Best Tool at Home Hardware - construction-1

Home Hardware and Scene+

The Scene+ program has greatly evolved since its inception, especially in the last two years as numerous banners have joined the program. Home Hardware announced its association with Scene+ in September 2022, the program’s arrival in stores materialized in the summer of 2023, and there are now 1,100 Home Hardware stores in Canada that allow the accumulation and redemption of Scene+ points.

Strategy for Construction Professionals

To streamline your business purchases and maximize your rewards with the Scene+ rewards program, we recommend using the Scotia^® Home Hardware PRO Visa* Business Card for your business expenses at Home Hardware and presenting your Scene+ membership card at checkout. All your Scene+ points will be accumulated in a single account and can be used as you see fit.

This will allow you to:

separate your business expenses from your personal expenses,
take advantage of the welcome offer and earn 1 Scene+ point for every $1 spent at Home hardware,
accumulate even more Scene+ points by presenting your Scene+ membership card at the time of payment at Home Hardware.

Thanks to its expansion in recent years, the Scene+ rewards program can now be used to earn points on a wide variety of expenses, from groceries to restaurants, travel, online purchases and much more. Here are the different options to accumulate with your Scene+ membership card:

Cineplex Cinemas
IGA grocery stores, Voilà by IGA, Rachelle Béry, Marchés Traditions and all those of the Sobeys group
Restaurants (East Side Mario’s, Harvey’s, Swiss CHalet, Montana’s, Kelseys, Bier Markt, Fionn MacCool’s)
Travel with Scene+ Travel powered by Expedia
Online purchases via the Scene+ Rakuten portal
With certain Scotiabank banking packages

By presenting your Scene+ membership card at the time of purchase, you earn even more points.

Redeem Your Scene+ Points However You Wish

Once accumulated, your Scene+ points can be exchanged for a multitude of things, according to your desires:

Online or in-store purchases at Home Hardware
Discounts at grocery banners including Sobeys, IGA, Voilà par IGA, Marchés Traditions and Rachelle Béry
Restaurant outings (East Side Mario’s, Harvey’s, Swiss CHalet, Montana’s, Kelseys, Bier Markt, Fionn MacCool’s)
Entertainment in a Cineplex Cinema
Travel booked via Scene+ Travel powered by Expedia
Statement credit to pay off your credit card balance

For more information on redemption options and ratios, visit this page.

Bottom Line

For professionals and contractors who frequently make purchases in Home Hardware stores, the Scotia^® Home Hardware PRO Visa* Business Card is an indispensable tool for simplifying expense management while earning rewards to help you save money.

Compare

Scotia^® Home Hardware PRO Visa* Business Card

Business Scotiabank Scene+

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $150
Welcome offerAfter $1,500 in 3 months: 15,000 points; Ends Nov 30, 2026

With the Scotia Home Hardware PRO Visa* Business Card, you can earn up to 15,000 bonus Scene+ points in the first year (that’s up to $150 in rewards) by making at least $1,500 in purchases at Home Hardware within the first 3 months of membership.

With this card, you earn 1 Scene+ point for every dollar of eligible business purchases at Home Hardware, redeemable for business rewards such as business travel, home renovations, entertainment, groceries, gift cards, technology or statement credits.

With the Scotia^® Home Hardware PRO Visa* Business Card, you benefit from a 21-day interest-free grace period on new purchases, savings on purchases with Visa SavingsEdge, and up to 25% off AVIS and Budget car rentals.

Legal

*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

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$0

Additional card$0

Value

1st Year Value$420

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Frequently Asked Questions about the Scotia^® Home Hardware PRO Visa^® Business Card

Here are frequently asked questions in the milesopedia community about this card.

What does the Scotia^® Home Hardware PRO Visa^® Business Card welcome offer include?

The card offers 15,000 Scene+ points (worth $150) after spending $1,000 on eligible Home Hardware purchases within the first three months. It is paired with a $0 annual fee, both for the primary card and for additional cards, which makes the bonus pure profit for any contractor or SME owner who already shops at Home Hardware. Scene+ points can be redeemed for travel, statement credits, Cineplex tickets, or grocery purchases, giving real flexibility once the bonus posts to the account.

Who is this card designed for?

It is purpose-built for construction professionals, renovators, contractors, and small-to-medium business owners who source materials regularly from Home Hardware’s 1,100 Canadian locations. Key advantages for SMEs include:

Credit limits up to $500,000
21-day interest-free grace period on new purchases
Personalized spending limits on additional cards for employees
Free Visa SavingsEdge membership with up to 25% off car rentals

If you don’t spend at Home Hardware regularly, a more general-purpose business card will out-earn this one.

How do I earn Scene+ points on Home Hardware purchases?

The card earns 1 Scene+ point per $1 on Home Hardware purchases, with no cap on the welcome bonus side. The interest rate is linked to Scotiabank’s prime rate, so financing costs stay competitive with other business lines of credit. To make the most of the program, run all your Home Hardware invoices through the card and pay it off monthly — you stay inside the 21-day grace period and Scene+ points stack with any in-store loyalty benefit. Combine with the Visa Spend Clarity for Business tool to digitize receipts and track expenses.

Can employees use this card for company purchases?

Yes — additional cards are free and you can set personalized spending limits per employee. That makes it easy to give a foreman a card with a $5,000 monthly cap for jobsite supplies while keeping the principal’s card open at the higher business limit. All transactions roll up into the same Scene+ rewards balance, and the Visa Spend Clarity for Business platform automatically categorizes spending and digitizes receipts — valuable for SMEs that need clean records at year-end without an accounting overhead.