Scotiabank Scene Visa Card Review



Annual Fee


Annual Rewards


Intro Offer


Annual fee


Annual rewards


Intro offer


  • No annual fee
  • Earn 5 Scene points per $1 spent at participating Cineplex theatres
  • Earn 1 Scene point per $1 spent on all other purchases
  • Redeem points for movies, entertainment, and dining out
  • Welcome offer: Earn 2,500 bonus points after your first purchase
  • Visa payWave technology for contactless payments
  • Access to Scotia Credit Card Protection
  • 20% discount on AVIS car rentals


  • Limited to the Scene rewards program for earning and redeeming points
  • Other credit cards may offer higher rewards rates on general purchases
  • No additional travel-related benefits or insurance
  • Not ideal for individuals who rarely visit Cineplex theatres or dine out
  • Low points earning rate on non-Cineplex purchases

Performance test results

At DollarWise, for each credit card we test 7 different factors including the rewards, value for money, perks, insurance, strengths and weaknesses of the card.

You can see our full testing methodology here to learn why we’re the most trusted source for credit card reviews.

The Scotiabank Scene Visa Card has earned a 4.25 DollarWise Rating out of 5. This score is based on a weighted average of the two highest scoring factors (excluding acceptance and approval).




Interest rates




The highest scoring categories for the Scotiabank Scene Visa Card are fees and interest.

These factors are weighted 70% to the highest scoring factor and 30% to the second highest score to get an overall review score.

This weighting allows us to judge cards on their merits and the customers they are designed for.

For the Scotiabank Scene Visa Card the most important factors for scoring this card are its fees and interest.


With the Scotiabank Scene Visa Card, here’s the rates at which you earn rewards for different spending categories per dollar you spend:

Bills1 point
Pharmacy1 point
Gas1 point
Groceries1 point
Restaurants1 point
Specific Stores2 points
Travel1 point
All Other Spend1 point

Calculating your annual rewards

We estimate that spending $2,000 per month with the Scotiabank Scene Visa Card would earn $252 in rewards over the year.

Our performance testing research uses an accurate estimation of the average Canadian households spending patterns to predict the rewards a card will earn.

We found that you’d earn this per category:

Specific Stores$24
All Other Spend$228

Our study investigating the value found that each dollar spent on the Scotiabank Scene Visa Card is worth up to $0.01, depending on how you redeem.

This $252 in rewards value puts the Scotiabank Scene Visa Card in the bottom 40% of credit cards in Canada based on rewards earned.

The average credit card in our database earns $337 in rewards for the same spend that the Scotiabank Scene Visa Card earns $252 in rewards value.

We can compare this card to other options by looking at the earn rate by category.

This earn rate is the percentage return that you would get when you spend on this card, assuming you redeem at the predicted maximum value.

For example, if a card earned 5 points per dollar on gas and each point is worth up to $0.02, then the earn rate is 5 points multiplied by $0.02 each, divided by the dollar you spent.

In this example, that’s a 10% earn rate on gas.

SpendThis CardAverage
Above, we’ve calculated the earn rate for the Scotiabank Scene Visa Card for every spend category and compared it to the average for all Canadian credit cards.
Redemption methodAnnual rewards
Redeem for travel$252
Apply to statement credit$176
Gift cards$186
Grocery rewards$252
Restaurant rewards$252
Movie rewards$252
Apple / BestBuy$194

For an annual spend of $24,000, we estimated annual rewards value at up to $252.

That’s equivalent to a 1.05% return on spending.

The Scotiabank Scene Visa Card has an annual fee of $0. After deducting this, we predicted net annual rewards of $252.

This puts it in the bottom 50% of credit cards for net rewards after fees.

In comparison, the average card earns net annual rewards of $254.


The Scotiabank Scene Visa Card has a $0 annual fee.

The average card charges $85. So, the Scotiabank Scene Visa Card is in the bottom 50% of cards based on the cost of the annual fee.


We manually review the perks of each credit card to determine how they compare to other cards.

The Scotiabank Scene Visa Card scored a 1.4 out of 5 for perks, putting it in the bottom 50% of cards.

The average card scores 1.6 out of 5 for perks.

Interest Rates

Cash Advance22.99%
Balance Transfer22.99%

The average (median) credit card has a purchase interest rate of 19.99% and so the Scotiabank Scene Visa Card charges {{purchase_interest_diff}} than the average.

For cash advances it costs 22.99% compared to the average of 19.96%.

Testing the Scotiabank Scene Visa Card with a $2,000 starting balance, you can see in the graph how the {{purchase_interest_diff}} in interest rates impacts the interest over a year, compared to the average card.

Insurance coverage

We scored it 0.0 out of 5 for insurance.

It offers 0 types of insurance, whereas the average card has 5 types of coverage.

Approval and qualifying

Do I qualify?
Estimated Credit Score725 – 759
Personal Income$12,000
Household Income$0
Annual Fee$0
Extra Card Fee$0
Card typeVisa

We scored it 2.5 out of 5 for approval.

We predict that you will require a credit score of at least 725 to qualify for the Scotiabank Scene Visa Card, while the average card requires 652 to qualify.

This puts it in the top top 50% of cards by approval difficulty.

The personal income requirements are $12,000, while the average card requires $23,896.

This puts it in the top 40% of cards by the income required to qualify.

The Scotiabank Scene Visa Card is a credit card designed primarily for those who are seeking rewards and benefits in the form of entertainment-related experiences. In this review, we will discuss the earning potential of the card, as well as four major benefits and two drawbacks to help you determine if this card is right for you.

Earning potential with the card

The Scotiabank Scene Visa Card earns points for every purchase made using the card. Cardholders receive 5 Scene points for every dollar spent at participating Cineplex Entertainment theatres or, making it ideal for moviegoers.

For all other purchases made on the card, cardholders earn 1 Scene point per dollar spent. Points accrued can be redeemed for free movies, dining, and other entertainment experiences.


  1. No Annual Fee: One major advantage of the Scotiabank Scene Visa Card is its accessible rewards system.

    With no annual fee, even infrequent moviegoers can benefit from the card by earning points on everyday purchases and redeeming those points for entertainment experiences without the pressure of having to offset an annual fee.
  2. Welcome Offer: Another major advantage of this card is its welcome offer. New Scotia Scene Visa Card users can earn a bonus of up to 5,000 Scene points after spending $750 on everyday purchases within the first three months of account opening.

    This is enough points to redeem up to 5 free general admission movie tickets.
  3. Scene Points for Discounts at Select Dining Locations: In addition to movie-related rewards, cardholders can use their Scene points for discounts at select dining locations, such as Swiss Chalet, Harvey’s, Montana’s, and more. Thus, the rewards and benefits extend beyond just movies.
  4. Discount on AVIS Car Rentals: Cardholders also enjoy a useful feature of 20% discount on AVIS car rentals, which can be beneficial for those who travel or rent vehicles frequently.


  1. Drawback: A significant drawback of the Scotiabank Scene Visa Card is that the rewards points are limited to entertainment and dining experiences. For those who prioritize travel rewards, cash back or more versatile reward programs, this card might not be the most suitable choice.
  2. Drawback: Another drawback is the absence of additional features such as insurance coverage, purchase protection, or other similar credit card benefits. Many other credit cards on the market offer these types of features, making the Scene Visa Card less competitive in that regard.

Additional Information

Overall, the Scotiabank Scene Visa Card is a great option for entertainment enthusiasts who can fully utilize its rewards program. It is important to consider personal spending habits and financial goals when choosing a credit card. For those who prefer travel perks, cashback, or other benefits, exploring alternative credit cards might be wise.

Interested in other credit cards? If the Scotiabank Scene Visa Card credit card isn’t perfect for you, you might want to consider the Scotia Momentum No-Fee Visa Card. Plus, many Canadian’s that like the Scotiabank Scene Visa Card like the Scotia Momentum Visa Card, and the Scotia Momentum Visa Infinite Card.


With the Scotiabank Scene Visa Card, you can redeem your accumulated Scene points primarily for movie-related rewards, as well as dining and entertainment options. The rewards include:

  • Free Movie Tickets: Redeem your points for free movie tickets at Cineplex theatres. The Scene points required may vary depending on the movie format, such as regular, 3D, UltraAVX, or VIP cinemas.
  • Discounts at The Rec Room® and Playdium®: Use your Scene points to enjoy discounts on games, activities, and dining at The Rec Room® and Playdium® locations across Canada.
  • Box Office Savings: Get discount on the purchase of movie tickets. You can save around 10% on your movie tickets by redeeming 1,000 Scene points.
  • Concessions Savings: Redeem your Scene points to save on select concession combos at Cineplex theatres.
  • Scotiabank Scene® Debit Card: You can also pair your Scotiabank Scene Visa Card with a Scotiabank Scene® Debit Card to earn additional Scene points on your daily debit transactions.

The Scotiabank Scene Visa Card has a foreign transaction fee of 2.5% on transactions made in a foreign currency. When you make a purchase or withdrawal in a foreign currency, this fee will be applied and charged in addition to the converted Canadian dollar amount of the transaction.

The Scotiabank Scene Visa Card does not have a minimum income requirement for applicants, making it accessible to a wider range of individuals regardless of income level. This feature makes it an attractive option for individuals who might not qualify for other credit cards due to income restrictions.

Key benefits

  • Zero annual fee for cost savings
  • Acquire 5x Scene points on every dollar at Cineplex venues
  • Garner 1x Scene point per dollar on diverse purchases
  • Redeem collected points for cinematic joys, leisure, and restaurant experiences
  • Welcome incentive: 2,500 bonus points post initial transaction
  • Simplify payments with Visa payWave touchless technology
  • Safeguard finances with Scotia Credit Card Protection
  • Enjoy 20% markdown on AVIS vehicle rentals

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