It comes with a welcome bonus of up to 100,000 points. You earn 2x on groceries and 2x at restaurants.

Annual Fee
$399
Rewards rate
2x

Scene+

Our valuation
$1,000

Milesopedia estimate

Welcome Bonus
100,000 points

(Up to)

Ends Nov 1, 2026

Pros

  • Welcome bonus of up to 100,000 points
  • 2x on groceries
  • 2x at restaurants

Cons

  • High annual fee ($399)
  • Requires good credit

It comes with a welcome bonus of up to 35,000 points. You earn 2x on groceries and 2x at restaurants.

Annual Fee
$150
Rewards rate
1x

Scene+

Our valuation
$350

Milesopedia estimate

Welcome Bonus
35,000 points

(Up to)

Ends Nov 1, 2026

Pros

  • Welcome bonus of up to 35,000 points
  • 2x on groceries
  • 2x at restaurants

Cons

  • Requires good credit

It comes with a welcome bonus of up to 80,000 points. You earn 1x on groceries and 2x at restaurants.

Annual Fee
$599
Rewards rate
1x

Scene+

Our valuation
$1,050

Milesopedia estimate

Welcome Bonus
80,000 points

(Up to)

Ends Nov 1, 2026

Pros

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

Cons

  • High annual fee ($599)
  • Requires good credit

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

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

Cash Back

Our valuation
$420

Milesopedia estimate

Welcome Bonus
$300

(Up to)

Ends Nov 1, 2026

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of up to $300
  • 4x on groceries

Cons

  • Requires good credit

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

Annual Fee
$0
Rewards rate
1x

Scene+

Our valuation
$100

Milesopedia estimate

Welcome Bonus
10,000 points

(Up to)

Ends Nov 1, 2026

Pros

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

Cons

  • Requires good credit

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

Annual Fee
$0
Rewards rate
1x

Scene+

Our valuation
$50

Milesopedia estimate

Welcome Bonus
5,000 points

(Up to)

Ends Nov 1, 2026

Pros

  • No annual fee
  • Welcome bonus of up to 5,000 points
  • 2x on groceries

Cons

  • Requires good credit

You earn 2x on groceries and 1x at restaurants.

Annual Fee
$49
Rewards rate
1x

Cash Back

Welcome offer
No current welcome offer

Ongoing benefits are detailed below

Pros

  • 2x on groceries

Cons

  • No welcome bonus
  • Requires good credit

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

Annual Fee
$0
Rewards rate
0.5x

Cash Back

Our valuation
$100

Milesopedia estimate

Welcome Bonus
$100

(Up to)

Ends Nov 1, 2026

Pros

  • No annual fee
  • Welcome bonus of up to $100

Cons

  • Requires good credit

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
Our valuation
$29

Milesopedia estimate

Welcome offer
First Year Annual Fee Rebate

$29 annual fee rebated

Ends Jan 3, 2027

Pros

  • First Year Annual Fee Rebate

Cons

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