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Best for: Overall value

It comes with a welcome bonus of 100,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,201.

Annual Fee
$399
Rewards rate
2x

Scene+

Welcome Bonus
Up to 100,000 points

Ends Nov 1, 2026

1st Year Value
$1,201

Pros

  • Welcome bonus of 100,000 points
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $1,201

Cons

  • High annual fee ($399)
  • Requires good credit
Best for: Overall value

It comes with a welcome bonus of 35,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $644.

Annual Fee
$150
Rewards rate
1x

Scene+

Welcome Bonus
Up to 35,000 points

Ends Nov 1, 2026

1st Year Value
$644

Pros

  • Welcome bonus of 35,000 points
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $644

Cons

  • Requires good credit
Best for: Overall value

It comes with a welcome bonus of 80,000 points. You earn 1x on groceries and 2x at restaurants. Estimated first-year value is $85.

Annual Fee
$599
Rewards rate
1x

Scene+

Welcome Bonus
Up to 80,000 points

Ends Nov 1, 2026

1st Year Value
$85

Pros

  • Welcome bonus of 80,000 points
  • 2x at restaurants

Cons

  • High annual fee ($599)
  • Requires good credit
Best for: Cash back

The Scotia Momentum® Visa Infinite + Card offers a first year annual fee rebate (regular fee $120/yr). It comes with a welcome bonus of $300. You earn 4x on groceries and 1x at restaurants. Estimated first-year value is $1,044.

First-Year Annual Fee Rebate
Annual Fee
$120 $0
Rewards rate
1x

Cash Back

Welcome Bonus
Up to $300

Ends Nov 1, 2026

1st Year Value
$1,044

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of $300
  • 4x on groceries
  • Estimated 1st-year value of $1,044

Cons

  • Requires good credit
Best for: No annual fee

The Scotiabank American Express® Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 10,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $568.

Annual Fee
$0
Rewards rate
1x

Scene+

Welcome Bonus
Up to 10,000 points

Ends Nov 1, 2026

1st Year Value
$568

Pros

  • No annual fee
  • Welcome bonus of 10,000 points
  • 2x on groceries
  • 2x at restaurants

Cons

  • Requires good credit
Best for: No annual fee

The Scotiabank® Scene+™ Visa Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 5,000 points. You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $434.

Annual Fee
$0
Rewards rate
1x

Scene+

Welcome Bonus
Up to 5,000 points

Ends Nov 1, 2026

1st Year Value
$434

Pros

  • No annual fee
  • Welcome bonus of 5,000 points
  • 2x on groceries
  • Estimated 1st-year value of $434

Cons

  • Requires good credit
Best for: Cash back

You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $419.

Annual Fee
$49
Rewards rate
1x

Cash Back

Welcome Bonus

Ends Jan 3, 2027

1st Year Value
$419

Pros

  • 2x on groceries
  • Estimated 1st-year value of $419

Cons

  • No welcome bonus
  • Requires good credit
Best for: No annual fee

The Scotia Momentum® No-Fee Visa Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of $100. You earn 1x on groceries and 0.5x at restaurants. Estimated first-year value is $334.

Annual Fee
$0
Rewards rate
0.5x

Cash Back

Welcome Bonus
Up to $100

Ends Nov 1, 2026

1st Year Value
$334

Pros

  • No annual fee
  • Welcome bonus of $100
  • Estimated 1st-year value of $334

Cons

  • Requires good credit
Best for: First-Year Annual Fee Rebate

The Scotiabank Value® Visa Card offers a first year annual fee rebate (regular fee $29/yr).

First-Year Annual Fee Rebate
Annual Fee
$29 $0
Rewards rate
Welcome Bonus

Ends Jan 3, 2027

1st Year Value

Pros

  • First Year Annual Fee Rebate

Cons

  • No welcome bonus
  • Modest reward rates
  • Requires good credit