Rewards
Base earn rate1 Scene+ point per $1 CAD on all other eligible purchases
ProgramScene+
Welcome bonusEarn up to 50,000 bonus Scene+ points
Rewards typepoints
Fees & rates
Annual fee$120
Additional card$29
Purchase interest rate21.99%
Cash advance rate22.99%
Foreign transaction fee$0 (no FX fee)
Standout perks
✈️
Discount on Priority Pass membership providing access to over 1,200 airport lounges around the world
Discounted membership rate
⭐
Get up to 12/L in value on fuel purchases at Shell stations (includes instant discounts and Scene+ points value)
up to 12/L
⭐
Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the US
up to 25% off base rates
🎩
World-class concierge services available 24 hours a day, 7 days a week for restaurant reservations, tickets, and more
⭐
Skip to the Front of the Line with American Express - Amex Experiences including ticket presales and reserved seating
⭐
Exclusive Amex Offers for shopping, dining, travel, and more
⭐
Buy now and pay over time with Scotia SelectPayTM installment payment plans
Low interest rates and no installment plan fee
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
up to $1,000,000
🛡️
trip cancellation
up to $1,500 per person (maximum $10,000 per trip)
🛡️
trip interruption
up to $1,500 per person (maximum $10,000 per trip)
🛡️
flight delay
up to $500 per insured person
🛡️
baggage delay
up to $1,000
🛡️
baggage loss
up to $1,000
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident