Based on your answers here's our recommendation:¹⁸
Scotiabank Passport^® Visa Infinite^* Card

We do not charge any foreign currency conversion fees, only the exchange rate applies. See the Application Disclosure Statement, under "Foreign Currency Conversion Fees" section for full details.

Offer Description and Conditions: : The 25,000 Bonus Scene+ Points Offer (the "Offer") applies only to new Scotiabank Passport Visa Infinite credit card accounts (“Accounts”) that are opened by October 31, 2024 subject to the conditions below. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. 

Plus, as a Scotiabank Passport Visa Infinite credit cardholder you are always eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply - see below for further details.

25,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 25,000 bonus Scene+ points (the “25,000 Point Bonus”), you must have at least $1,000 in eligible purchases posted to your new Account within the first 3 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.

The 25,000 Point Bonus will be credited approximately 2-3 business days after the qualifying $1,000 in eligible purchases has been posted to the Account within the first 3 months of the Primary cardholder’s Account open date, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the 25,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying $1,000 in eligible purchases.  If a supplementary cardholder completes the last qualifying transaction, the  25,000 Point Bonus will be credited to the Primary Borrower’s Scene+ account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+.  The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Bonus Offer applies to new Accounts only opened by October 31, 2024.  All other terms and conditions of the Program Terms continue to apply during the Offer period.

10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached.  Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.

The Annual bonus Scene+ points will be credited within approximately 2-3 business days after you have met the $40,000 annual spend threshold on the Account and within approximately 2-3 business days after you have met each additional $10,000 annual spend threshold on the Account, provided your Account is open and in good standing (as defined above). 

Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.

Rates and Fees: The current annual fee is $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for this Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are  subject to change. 

You are awarded three (3) Scene+ Points for every eligible $1.00 purchase made at Sobeys, Safeway, IGA, Foodland, Foodland & Participating Co-ops, FreshCo, Chalo! FreshCo, Thrifty Foods, Rachelle Béry, Les Marchés, Voilà by Sobeys, Voilà by Safeway and Voilà par IGA locations charged and posted to the Scotiabank Passport Visa Infinite Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores. 

You are awarded two (2) Scene+ Points for every eligible $1.00 purchase on all other grocery (not listed above), dining, entertainment, and daily transit purchases charged and posted to the Scotiabank Passport Visa Infinite Account (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). See below for the Spend Threshold that applies to this Accelerated Earn Rate.

You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank Passport Visa Infinite Account (the “Regular Earn Rate”). 

Spend Threshold for the Accelerated Earn Rate (Scotiabank Passport Visa Infinite Accounts only):

You will earn the Accelerated Earn Rate on the first $50,000 in purchases made on your Scotiabank Passport Visa Infinite account (the “Account”) annually at the following: purchases made at merchants classified in the Visa credit card network as: Grocery Stores and Supermarkets; Eating Places and Restaurants, Drinking Places, Fast Food Restaurants; Entertainment including Motion Picture Theatres, Theatrical Producers, Ticket Agencies, Bands, Orchestras, Miscellaneous Entertainers; Railroads, Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services (Not Elsewhere Classified). Some merchants may sell other products/services or are separate merchants who are located on the premises of these merchants, but are classified by the credit card network in another manner, in which case this added benefit would not apply. The annual spend calculation for the $50,000 maximum threshold is calculated annually from January 1st to December 31st each year. You will earn 1 point per $1 on purchases made on the Account after the 2 points per $1 / $50,000 annual spend maximum is reached and on all other purchases made on the Account. Scene+ points are only awarded on purchases. Scene+ points are not awarded for cash advances, balance transfers, Scotia® Credit Card Cheques, payments, returns, refunds or other similar credits, fees or interest or other charges. All dollar amounts are in Canadian currency unless otherwise stated.

The primary cardmember and/or co-borrower are liable for all charges incurred on the Scotiabank credit card account by any supplementary card issued in connection with the account.

Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers.

For current rates and information on fees and interest cost, call 1-888-882-8958. Interest rates, annual fees and features are subject to change without notice. Learn more about credit card fees and interest rates .

Primary Cardholders with a valid Scotiabank Passport Visa Infinite Card account (the “Account”) have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website (visaairportcompanion.ca) using a valid Card on the Account. Upon enrollment, 6 complimentary lounge visits will be available for the Primary Cardholder per membership year; the complimentary visits can be used by any Cardholder for themselves and for their accompanying guests at participating lounges (however, Primary Cardholder must be present for each such use). Lounge visits are counted on a per person per visit basis (e.g. lounge access by a Cardholder and one accompanying guest will count as two (2) visits). All additional visits beyond complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit. Applicable lounge access fees will be charged to the Card connected to the Cardholders’ Program membership (i.e. the Card enrolled in Program).

To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and Website. To view the full Terms and Conditions for the Program, including DragonPass Terms of Use and Privacy Policy and Visa’s Privacy Policy that apply to the Program, visit the Visa Airport Companion Program App or Website. 

The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor The Bank of Nova Scotia is responsible for the Program or any claims or damages arising from participation in the Program.

Unless the Program membership is suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (based on date when the Cardholder enrolled for the Program). Program membership will be cancelled if your Scotiabank Passport Visa Infinite Card is cancelled. If your Scotiabank Passport Visa Infinite Card is renewed or replaced, remember to update your card details within the Visa Airport Companion Program (either on the App or on the Program Website).

Access upon presentation of a valid and enrolled Scotiabank Passport Visa Infinite Card, while available in most lounges within the Visa Airport Companion Program, is subject to availability.

Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpay to learn more.

Scene+ Points are awarded for purchases charged to your Scotiabank Platinum American Express Credit Card Account (“the Account”). The regular earn rate is two (2) Points per $1.00 in purchases charged and posted to the Account.

Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers, Scotia® Credit Card Cheques and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at www.scotiabank.com/sceneplus for full program details.

Concierge Services are provided by a duly licensed third-party premium concierge provider (currently Ten Lifestyle Management Limited ("Ten" or "Ten Group")) and are subject to Terms & Conditions and Privacy Statement of that provider. Provider is subject to change by The Bank of Nova Scotia ("Scotiabank"). Scotiabank is not responsible for the Concierge Services, including the delivery of, or for any failure to deliver, any such services. By using the Concierge Services you must consent and agree to Ten Group's Terms & Conditions and Privacy Statement that apply.

Offer Description and Conditions: The 60,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Platinum American Express credit card accounts (“Account”) opened by October 31, 2024 and is subject to the conditions below. To qualify for 50,000 bonus Scene+ points (the “50,000 Point Bonus”), you must open a new Account by October 31, 2024 and have at least $3,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To qualify for 10,000 bonus Scene+ points (the “10,000 Point Bonus”), you must have at least $10,000 in eligible purchases posted to your new Account in the first 14 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges. 

The applicable point Bonus will be credited approximately 2-3 business days after the qualifying amount in eligible purchases (i.e., $3,000 or $10,000) has been posted to the Account (within the first 3 months for the 50,000 Point Bonus or within the first 14 months for the 10,000 Point Bonus), provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $3,000 or $10,000).  If a supplementary cardholder completes the last qualifying transaction, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.  All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.

Rates and Fees: The current annual fee is $399 for the primary card and $99 for each additional card  (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 9.99% on purchases and 9.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are  outlined in the Application Disclosure Statement and are subject to change..

For current rates and information on fees and interest, call 1-888-882-8958. Interest rates, fees and features are subject to change without notice. Learn more about credit card fees and interest rates.

Priority Pass™ membership includes access to airport lounges participating in the Priority Pass program. Certain terms, conditions and exclusions apply. Unless cancelled, Priority Pass membership automatically renews on its anniversary date. Priority Pass membership will be cancelled if your Scotiabank Platinum American Express Card is cancelled. Lounge visits are counted on a per person per visit basis (e.g. Lounge access by a Cardholder and one accompanying guest will count as two (2) visits). The first 10 lounge visits for the primary Cardholder and the first 4 lounge visits for the supplementary Cardholder per 12-month cycle from date of enrolment are complimentary. Beginning with the 11th visit for the primary Cardholder and the 5th visit for the supplementary Cardholder, each additional lounge visits exceeding your complimentary benefit entitlement will be charged at the prevailing retail rate which can be found at https://www.prioritypass.com/join-prioritypass. Priority Pass membership and services are provided by a third party. The Bank of Nova Scotia is not responsible for the Priority Pass membership or services. All fees, features and benefits are subject to change. For complete Priority Pass terms and conditions, please visit https://www.prioritypass.com/Conditions-of-use

We will not charge you Foreign Transaction Fees on foreign currency transactions, including purchases, only the exchange rate applies. The term “Foreign Transaction Fees” is a substitute for “Foreign Currency Conversion” as described in the Disclosure Statement you received with your Card. This fee relates to the 2.5% mark-up that is typically charged by credit card issuers in addition to the exchange rate. See the Foreign Currency Conversion section of the Disclosure Statement for this Card for full details. Rates and fees are subject to change.

Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers.

Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to The Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment.

Savings and reward potential in first 14 months based on the following card usage and offers:

Currency conversion as of June 13, 2022.

$600 in travel rewards (60,000 bonus Scene+ points) when you spend $3,000 within your first 3 months (to earn 50,000 points) and when you spend $10,000 within your first 14 months (to earn an additional 10,000 points); 

$141 in foreign transaction fee savings based on average first year annual foreign spend (save the 2.5% foreign transaction fee typically charged by other card issuers);

$742 in travel rewards (74,188 Scene+ points) on everyday purchases based on average annual first year spend;

$676 value of a complimentary Priority Pass membership and free lounge passes per year for the primary cardholder (annual membership fee package of CAD$385/USD$299, which includes 10 lounge passes) and for one supplementary cardholder (basic annual membership fee of CAD$127/USD$99 plus 4 lounge passes at CAD$41/USD$32 each).

Potential 14-Month Value = up to $2,159 Actual savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

Offer Description and Conditions: The 45,000 Bonus Scene+ Points and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened by October 31, 2024 and is subject to the conditions below.  We will waive the annual fee for the primary card issued before October 31, 2024 on the Account for the first year only.   All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

45,000 Bonus Scene+ Point Offer Description and Conditions: To qualify  for 25,000 bonus Scene+ points (the “25,000 Point Bonus”), you must open a new Account by October 31, 2024 and have at least $1,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To qualify  for an additional 20,000 bonus Scene+ points (the “20,000 Point Bonus”), you must have at least $7,500 in eligible purchases posted to your new Account in the first year (12 months) of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.
 

The applicable point Bonus will be credited approximately 2-3 business days after the qualifying amount in eligible purchases (i.e., $1,000 or $7,500) has been posted to the Account (within the first 3 months for the 25,000 Point Bonus or within the first 12 months for the 20,000 Point Bonus) provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $1,000 or $7,500).  If a supplementary cardholder completes the last qualifying transaction, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+.  The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.

First Year Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card issued on the Account before October 31, 2024 on the Account for the first year only.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.

Rates and Fees:  The current annual fee is $120 for the primary card and $29 for each additional card  (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are  outlined in the Application Disclosure Statement and are subject to change.

You are awarded six (6) Scene+ Points for every eligible $1.00 CAD purchase made 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 locations charged and posted to the Scotiabank Gold American Express Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores. 

You are awarded five (5) Scene+ Points for every eligible $1.00 CAD purchase on all other grocery (not listed above), dining, and entertainment charged and posted to the Scotiabank Gold American Express Account. You are awarded three (3) Scene+ Points for every eligible $1.00 CAD purchase in gas, public transit and select streaming services purchases charged and posted to the Scotiabank Gold American Express Account (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank Gold American Express Account (the “Regular Earn Rate”). 

You will earn the accelerated Scene+ Points (6X, 5X or 3X as applicable) under the Scene+ program if you make purchases in Canadian currency only. For purchases that are made in foreign currency, you will only earn 1 Scene+ Point for every $1 charged to the Scotiabank American Express® credit card once that foreign currency has been converted into Canadian dollars.

Merchant classifications – American Express network Purchases must be made at merchants classified through the American Express network with a Merchant Category Code (“MCC”) that identifies them in the American Express network in the “grocery”, “dining”, “entertainment”, “gas”, “streaming service” or “transit” category. Purchases at merchants where these categories are not their primary business do not qualify. Some merchants may (i) provide other goods or services; or (ii) have separate merchants located on their premises that may not be classified with an MCC under the Accelerated Earn Rate categories and such purchases will not earn the Accelerated Earn Rate as applicable. The Accelerated Earn Rates for the Scotiabank Gold American Express Card applies to the first $50,000 in purchases charged to the Scotiabank Gold American Express Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year. Once you exceed the applicable annual spend threshold, you will continue earning points at the Regular Earn Rate of one (1) Scene+ Point per $1.00 in purchases charged and posted to the Scotiabank Gold American Express Account. Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at www.scotiabank.com/sceneplus for full program details. All dollar amounts are in Canadian currency unless otherwise stated.

Concierge Services are provided by a duly licensed third-party premium concierge provider (currently Ten Lifestyle Management Limited ("Ten" or "Ten Group")) and are subject to Terms & Conditions and Privacy Statement of that provider. Provider is subject to change by The Bank of Nova Scotia ("Scotiabank"). Scotiabank is not responsible for the Concierge Services, including the delivery of, or for any failure to deliver, any such services. By using the Concierge Services you must consent and agree to Ten Group's Terms & Conditions and Privacy Statement that apply. 

For current rates and information on fees and interest fees, call 1-888-882-8958. Interest rates, annual fees and features are subject to change without notice. Learn more about credit card fees and interest rates.

Purchase must be charged in full to an American Express® Card. Subject to availability and to event and ticketing terms, restrictions, verification procedures and fees. Tickets and packages may not be transferable and should not be resold. No refunds and no exchanges subject to merchant's obligations under applicable law. Any dispute related to an offer must be directed to the participating merchant. The Bank of Nova Scotia and its affiliates are not responsible for fulfilment of offers under the American Express Invites program. All offers are provided and fulfilled by participating merchants and are subject to the specific terms and conditions of the respective merchant. American Express® and its affiliates are not liable or otherwise responsible for any offer or experience made available under this program, and are not responsible for fulfilment, any changes or cancellation of any offer.

Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers.

Travel Advantage is supplied by a third party (currently Hogg Robinson Canada Inc. (HRG) and subject to change).

Scotiabank^® Scene+^™ Visa^* Card cardholders will earn points for purchases made with their Scotiabank^® Scene+^™ Visa^* Card (“Card”). A Card must be connected to a Scene+ membership account to earn points on purchases made on the Card. Points are not awarded for cash advances, balance transfers, Scotia Credit Card Cheques, returns, refunds or other similar credits, payments fees, interest, service or transaction charges on the Card. Some conditions and limitations apply. Visit www.scotiabank.com/scenevisa for complete details.

Offer Description and Conditions: The 5,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Scene+ Visa credit card accounts (“Account”) opened by October 31, 2024 and is subject to the below terms and conditions.

To be eligible for 2,500 bonus Scene+ points (the “2,500 Point Bonus”), you must open a new Account by October 31, 2024 and have at least $250 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 2,500 bonus Scene+ points (the “Additional 2,500 Point Bonus”), you must have at least $1,000 in eligible purchases posted to your new Account in your first 3 months of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.

The applicable point bonus will be credited approximately 2-3 business days after the qualifying amount in eligible purchases (i.e., $250 or $1,000) has been posted to the Account within the first 3 months of the Primary cardholder’s Account open date, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $250 or $1,000).  If a supplementary cardholder completes the last qualifying transaction, the applicable point bonus will be credited to the Primary Borrower’s Scene+ account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.  All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.

Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional card (including those issued to co-borrowers and supplementary cardholders).  The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions).  All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

For current rates and information on fees and interest, call 1-888-882-8958. Interest rates, fees and features are subject to change without notice. Learn more about credit card fees and credit card interest rates.

Regular Earn Rate: You are awarded one (1) Scene+ Point for every $1.00 in all purchases of goods and services charged to the Scotiabank Scene+ Visa Account (the “Account”).

Accelerated Earn Rates: You will earn accelerated earn rates on the following eligible purchases charged to the Account:

Grocery Stores

You are awarded two (2) Scene+ Points for every eligible $1.00 purchase made at Sobeys, Safeway, participating IGA, Foodland, Foodland & Participating Co-ops, FreshCo, Chalo! FreshCo, Thrifty Foods, Rachelle Béry, Les Marchés Tradition, Voilà by Sobeys, Voilà by Safeway and Voilà par IGA locations charged and posted to the Scotiabank Scene+ Visa Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores.

Home Hardware Stores

You are awarded two (2) Scene+ Points for every eligible $1.00 purchase made at eligible Home Hardware, Home Building Centre, Home Hardware Building Centre, Home Furniture locations in Canada and online at homehardware.ca charged and posted to the Scotiabank Scene+ Visa Account. The list of eligible locations may be changed from time to time without notice.  See full list of eligible locations across Canada at scotiabank.com/participatingstores.

Cineplex

You are awarded two (2) Scene+ Points for every $1.00 purchase made at Cineplex theaters, the Cineplex App and online at cineplex.com charged and posted to the Account.

Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers, and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at www.scotiabank.com/sceneplus for full program details.

All dollar amounts are in Canadian currency unless otherwise stated.

The savings of up to 25% applies to Avis and Budget base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. The Bank of Nova Scotia is not responsible for, and provides no representations, warranties or conditions regarding this offer or any Avis or Budget products or services, including Avis Preferred Plus membership and services and those obtained under this offer, which are governed solely by Avis’ terms and conditions. Avis Preferred Plus membership and services are provided by Avis.

Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to The Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment.

Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpay to learn more.