Compare these two credit cards side-by-side to see which one offers better value for your spending habits.
When it comes to choosing the perfect credit card, you need clarity, precision, and insights you can trust. That's why Dollarwise rigorously evaluates every card across seven critical factors, ensuring you get a detailed and actionable review.
Below you'll find a table which shows you the estimated reward each card will earn, as well as the ratings we gave the cards for each category. We compared the cards based on their perks, fees, approval rate, insurance, acceptance by merchants, interest rates and the rewards you'll earn. Each score is out of a maximum of 5.
Compare the basic details and eligibility requirements for each card to see which one you qualify for.
We estimate that spending $2,000 per month with the Home Trust Secured Visa Card would earn $0 in rewards over the year and with the Scotiabank Scene Visa Card for Students you would earn $0 in rewards.
When you spend using the Home Trust Secured Visa Card you will earn points called .
When you spend using the Scotiabank Scene Visa Card for Students you will earn points called Scene.
We can also compare the Home Trust Secured Visa Card vs Scotiabank Scene Visa Card for Students based on the amount earned in each spend category:
First, let's look at the actual reward structure for each card:
We can also compare the Home Trust Secured Visa Card vs Scotiabank Scene Visa Card for Students based on the "earn rate", which shows in percentage terms how much you'll get back on your spend.
When it comes to fees, the Scotiabank Scene Visa Card for Students is better than the Home Trust Secured Visa Card.
Neither Home Trust Secured Visa Card nor Scotiabank Scene Visa Card for Students provides airline-specific travel perks like lounge access, priority boarding, expedited security, or a complimentary checked bag.
Neither card offers concierge service.
Neither card provides elite status acceleration. If climbing loyalty tiers is important to you, you might consider other options.
The Home Trust Secured Visa Card has better interest rates overall than the Scotiabank Scene Visa Card for Students.
The Home Trust Secured Visa Card charges 19.99 on your credit balance for purchases, which is different from the interest rate on the Scotiabank Scene Visa Card for Students.
It's worth noting that the Home Trust Secured Visa Card has an interest rate of 19.99 on any balance you transfer to this card from another credit card. That rate is lower than the 22.99 that is charged on the Scotiabank Scene Visa Card for Students. If you expect to transfer a balance to this card then the Home Trust Secured Visa Card might save you a lot of money.
Both cards offer similar insurance coverage.
The Scotiabank Scene Visa Card for Students includes 6 types of insurance, whereas the Home Trust Secured Visa Card only gives you 2. In comparison, the average credit card gives you 5 types of insurance. So, if insurance is important to you, then the Scotiabank Scene Visa Card for Students is the better choice.
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The Home Trust Secured Visa Card is often compared against other similar cards in the market. We've also compared it against various other options to help you make the best choice.
The Scotiabank Scene Visa Card for Students is often compared with other premium cards in its category. We've also compared it against other cards to give you comprehensive insights.