Scotiabank Scene Visa Card vs Tangerine World Mastercard

Compare these two credit cards side-by-side to see which one offers better value for your spending habits.

Scotiabank Scene Visa Card

Scotiabank Scene Visa Card

Annual Fee: $0
Your Monthly Rewards: $0.00
VS
Tangerine World Mastercard

Tangerine World Mastercard

Annual Fee: $0
Your Monthly Rewards: $0.00
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Overview

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.

Scotiabank Scene Visa Card
Comparison
Tangerine World Mastercard
$0
Rewards
Annual rewards estimate
$0
1.4/5
Perks
Travel benefits and extras
2.2/5
5/5
Fees
How competitive the fees are
5/5
2.5/5
Approval
How easy it is to get approved
3/5
0/5
Insurance
Insurance coverage and benefits
1.5/5
5/5
Acceptance
Where you can use the card
4.8/5
2.4/5
Interest rates
How competitive the interest rates are
2.5/5

Details and Eligibility

Compare the basic details and eligibility requirements for each card to see which one you qualify for.

Scotiabank Scene Visa Card
Details
Tangerine World Mastercard
Visa
Card type
Mastercard
Scotiabank
Issuer
Tangerine
725
Min credit score
660
$12,000
Personal income
$50,000
$0
Household income
$80,000

Rewards

We estimate that spending $2,000 per month with the Scotiabank Scene Visa Card would earn $0 in rewards over the year and with the Tangerine World Mastercard you would earn $0 in rewards.

When you spend using the Scotiabank Scene Visa Card you will earn points called Scene.

When you spend using the Tangerine World Mastercard you will earn points called .

We can also compare the Scotiabank Scene Visa Card vs Tangerine World Mastercard based on the amount earned in each spend category:

Annual rewards by spend category

Scotiabank Scene Visa Card
Rewards
Tangerine World Mastercard
$24
Gas
$48
$42
Bills
$84
$6
Pharmacy
$6
$60
Groceries
$120
$24
Restaurants
$24
$24
Specific Stores
$12
$12
Travel
$12
$60
Other
$60

First, let's look at the actual reward structure for each card:

Raw reward rates

Scotiabank Scene Visa Card
Reward structure
Tangerine World Mastercard
1 point
Gas
2%
1 point
Bills
2%
1 point
Pharmacy
1%
1 point
Groceries
2%
1 point
Restaurants
1%
2 points
Specific Stores
1%
1 point
Travel
1%
1 point
Other
1%

We can also compare the Scotiabank Scene Visa Card vs Tangerine World Mastercard based on the "earn rate", which shows in percentage terms how much you'll get back on your spend.

Rewards earn rate (converted to %)

Scotiabank Scene Visa Card
Rewards earn rate
Tangerine World Mastercard
1.0%
Gas
2.0%
1.0%
Bills
2.0%
1.0%
Pharmacy
1.0%
1.0%
Groceries
2.0%
1.0%
Restaurants
1.0%
2.0%
Specific Stores
1.0%
1.0%
Travel
1.0%
1.0%
Other
1.0%

Fees

When it comes to fees, the Tangerine World Mastercard is better than the Scotiabank Scene Visa Card.

Scotiabank Scene Visa Card
Fees
Tangerine World Mastercard
$0
Annual fee
$0
$0
Extra card
$0
2.5%
Foreign exchange fee
2.5%

Perks

Scotiabank Scene Visa Card
Perks
Tangerine World Mastercard
No
Lounge Access
No
No
Priority Boarding
No
No
Priority Security
No
No
Checked Bags
No
No
Concierge Service
No
No
Elite Status Acceleration
No

Neither Scotiabank Scene Visa Card nor Tangerine World Mastercard provides airline-specific travel perks like lounge access, priority boarding, expedited security, or a complimentary checked bag.

Concierge Service

Neither card offers concierge service.

Elite Status Acceleration

Neither card provides elite status acceleration. If climbing loyalty tiers is important to you, you might consider other options.

Interest Rates

The Tangerine World Mastercard has better interest rates overall than the Scotiabank Scene Visa Card.

The Scotiabank Scene Visa Card charges 20.99 on your credit balance for purchases, which is different from the interest rate on the Tangerine World Mastercard.

It's worth noting that the Scotiabank Scene Visa Card has an interest rate of 22.99 on any balance you transfer to this card from another credit card. That rate is higher than the 22.95 that is charged on the Tangerine World Mastercard. If you expect to transfer a balance to this card then the Tangerine World Mastercard might save you a lot of money.

Scotiabank Scene Visa Card
Interest Rates
Tangerine World Mastercard
20.99%
Purchases
20.95%
22.99%
Cash advance
22.95%
22.99%
Balance transfer
22.95%

Insurance

The Tangerine World Mastercard gives you more insurance than the Scotiabank Scene Visa Card.

The Tangerine World Mastercard includes 6 types of insurance, whereas the Scotiabank Scene 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 Tangerine World Mastercard is the better choice.

Scotiabank Scene Visa Card
Insurance
Tangerine World Mastercard
N/A
Emergency Medical
N/A
N/A
Extended Warranty
N/A
N/A
Mobile Device
N/A
N/A
Purchase Protection
N/A
N/A
Car Rental Theft/Damage
N/A
N/A
Travel Accident
N/A

Our Recommendation

Enter your monthly spending above to see personalized recommendations based on your actual usage patterns.

Related Comparisons

The Scotiabank Scene 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 Tangerine World Mastercard is often compared with other premium cards in its category. We've also compared it against other cards to give you comprehensive insights.