Eligible Sobeys, Safeway, FreshCo, Foodland and certain other partner grocery purchases in Canada
Issuer's current offer
Visit Scotiabank to check the current Scene+ welcome offer
Promotional offers, points, deadlines and eligibility conditions can change. Visit Scotiabank for the current written offer terms before applying.
◷ Current offer and deadline: check Scotiabank
Welcome offers can change. Always check the issuer’s live page before submitting your application.
How you earn rewards
Understand what earns more, and where the base rate applies.
Eligible dining, food delivery, other groceries and entertainment in Canada
Eligible gas, transit and streaming services in Canada
Most other eligible purchases
Benefits worth understanding
Protections, travel features and everyday extras depend on terms and conditions.
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No Scotiabank foreign transaction fee surcharge on eligible foreign-currency purchases
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Scene+ points can be redeemed for travel, groceries and other eligible purchases
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Optional discounted Priority Pass membership, not free lounge visits
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Eligible purchase and travel insurance under card certificates
Who this card feels right for
Food, entertainment and flexible rewards
For people who spend often on dining, groceries and entertainment, this card can feel premium without being overly niche. It is especially compelling if you value Scene+ flexibility and the no-foreign-transaction-fee positioning.
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People who spend at partner grocers and restaurants and want Scene+ flexibility.
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Keep the annual fee, interest rate and category caps in mind before applying.
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If this feels like a fit, you can read the next Credys card story before opening the official issuer application.
Our honest breakdown
A balanced look at what this card does well — and where it may fall short.
What we like
- High Scene+ earn rates at qualifying Canadian merchants
- No foreign transaction fee markup from Scotiabank
- Can be attractive to frequent grocery and dining shoppers
What to consider
- C$120 annual fee unless a qualified account rebate applies
- American Express acceptance is more limited than Visa or Mastercard
- Category bonuses apply only where eligible and on CAD transactions
Good fit
People who spend at partner grocers and restaurants and want Scene+ flexibility.
Consider another card if…
Applicants who strongly prefer Visa or Mastercard acceptance.
Rates, fees and important details
Amounts shown in Canadian dollars. Issuer agreements and provincial rules prevail.
Annual fee$120/year
Purchase interest rate21.99%
Cash advances22.99%
Foreign currency feeNo Scotiabank FX markup; exchange rates apply
Additional cardholdersC$29/year
Income / eligibility noteC$12,000 minimum annual personal income
Issuer / networkScotiabank · American Express
Information reviewedNovember 9, 2026
Not every fee is displayed here. Review the issuer’s full card agreement for balance transfers, insurance exclusions, caps, grace periods and provincial variations.
Who can apply?
Meeting these general criteria does not guarantee approval.
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C$12,000 minimum personal annual income
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Subject to Scotiabank underwriting and applicable local eligibility
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Minimum credit limit may apply
How to apply in 3 steps
01Review the card details on this Credys page.
02Click Apply to continue to the official Scotiabank page.
03Submit your application directly with the issuer.
Frequently asked questions
Does this card charge foreign transaction fees?
Scotiabank states no foreign transaction fee markup; network exchange rates still apply.
Can I get free lounge visits?
The card has discounted Priority Pass membership options; that is not the same as included free lounge visits.
Where does the 6× earn rate apply?
At certain participating grocery banners and eligible Canadian transactions, with conditions.
Compare other Canadian cards
Ready to take the next step?
Apply →One more read before applying: what this card means in real life
You’ve read the Credys review. Now you can move to the live issuer page to confirm final terms and apply securely.
Primary product source: official Scotiabank product page. Last editorial check: 2026-11-09.