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By now it’s no surprise that Scene+™ points offer some of the strongest value on travel redemptions in Canada. Personally, I am all in on Scene+ points and my household enjoys redeeming them for all our travel needs. Regular readers of this blog know that the suite of Scotiabank credit cards that excite me the most include, Scotiabank Gold American Express, Scotiabank Passport Visa Infinite, Scotiabank Platinum American Express, and Scotiabank Momentum Visa Infinite card. All four cards have elevated welcome bonus offers right now, so let’s look into the core benefits of each card;

  • Scotiabank Gold American Express Card – Apply Now 

 

Scotiabank Credit Cards

 

    • Annual Fee: $120 First Year Annual fee waived
    • Welcome Bonus: 45,000 bonus Scene+ points (Apply by April 30, 2023)
      • 25,000 points with $1,000 in everyday eligible purchases in first 3 months from account opening
      • 20,000 points with $7,500 in everyday eligible purchases in first year of cardmembership
    • Earning Rate:
      • 5X on Grocery, Dining and Entertainment (Canada only)
      • 3X Gas, Daily Transit, Select Streaming Services (Canada only)
      • 1X on all other purchases
    • Other Key Benefits:

Detailed list of benefits and perks of the card are listed here

  • Scotiabank Passport Visa Infinite – Apply Now 

Scotiabank Passport

    • Annual Fee: $150 First Year Annual fee waived
    • Welcome Bonus: 40,000 bonus Scene+ points (Apply by April 30, 2023);
      • 30,000 points with at least $1,000 in everyday eligible purchases in first 3 months.
      • 10,000 points with at least $40,000 in everyday net eligible purchases annually.
    • Earning Rate:
      • 2X on eligible grocery, dining, entertainment and daily transit purchases (including buses, subways, taxis and more)
      • 1X on all other purchases
    • Other Key Benefits:
      • No FX mark up – no mark-up on foreign currency purchases whether you make them online or outside of Canada. Only the exchange rate applies
      • Complimentary Priority Pass™ membership, plus 6 free visits per year from the date of enrollment
      • Comprehensive Travel and shopping Insurance coverage

Detailed list of benefits and perks of the card are listed here

  • Scotiabank Platinum American Express® Card – Apply Now
Scotiabank Platinum American Express

Scotiabank Platinum American Express

    • Annual Fee:
      • Primary Card: $399/year
      • Supplementary Card: $99/year
    • Welcome Bonus:
      • 70,000 bonus Scene+ points (Apply by Jan 3, 2023);
        • 50,000 bonus Scene+ points by making at least $3,000 in everyday eligible purchases in your first 3 months
        • 20,000 Scene+ point bonus when you spend at least $10,000 in everyday eligible purchases in your first 14 months
    • Earning Rate:
      • 2X Scene+ points for every $1 spent on ALL eligible purchases
    • Other Key Benefits:
      • No FX mark up: Foreign Currency Conversion Fee of 0%
      • Airport Lounge Access – Priority Pass™ and Plaza Premium lounges
        • Primary cardholders get 10 free visits per year from the date of enrolment
        • Supplementry cardholders get 4 free visits per year from the date of enrolment
      • Comprehensive Travel and shopping Insurance coverage
        • Travel Emergency Medical Insurance
        • Trip Cancellation / Trip Interruption Insurance
        • Flight Delay Insurance
        • Rental Car Collision Loss/Damage Insurance
        • Delayed and Lost Baggage Insurance
        • Travel Accident Insurance
        • Hotel/Motel Burglary Insurance
        • Mobile Device Insurance
        • Purchase Security & Extended Warranty Protection
    • Redeeming Scene+ points
      • Book directly through Scene+ Travel Service (full-service travel agency): 1 cent a piece, 10,000 points for $100 and so on..
      • Book with ANY Travel Provider:  Apply points at 1 cent a piece (10,000 points = $100)
      • Redeem as Statement Credit: Redemption value can range from 0.6-0.8 cents per point
      • Redeem for gift cards, prepaid cards or other merchandise

Detailed list of benefits and perks of the card are listed here

All three cards mentioned above earn Scene+ points which offer ultimate flexibility when it comes to redeeming as well;

Redeeming Scene+ points

    • Book directly through Scene+ Rewards® Travel Service (full-service travel agency): 1 cent a piece, 10,000 points for $100 and so on..
    • Book with ANY Travel Provider:  Apply points at 1 cent a piece (10,000 points = $100)
    • Redeem as Statement Credit: Redemption value can range from 0.6-0.8 cents per point
    • Redeem for gift cards, prepaid cards or other merchandise

That’s not all, Scotiabank credit card portfolio also boasts of one of the strongest cashback cards in Canada;

  • Scotia Momentum Visa Infinite card – Apply Now

Scotiabank Credit Cards

 

    • Annual Fee: $120 First Year Annual fee waived
    • Welcome Bonus: 10% cashback on all purchases for the first 3 months (up to $2,000 in total purchases); (Apply by April 30, 2023)
    • Earning Rate:
      • 4% on Groceries (incl. Supermarket), Recurring Bills, and Subscription payments ($25k annual limit)
      • 2% on Gas, Daily Transit ($25k annual limit)
      • 1% on all other eligible everyday purchases

Scotiabank Credit Cards

    • Insurance Coverage:
      • Travel Emergency medical coverage for persons under 65
      • Trip Interruption
      • Trip Cancellation
      • Flight Delay
      • Delayed or Lost Luggage
      • Rental Car Collision/Lost Damage
      • Extended Warranty
      • Purchase Security
      • Mobile Device Insurance

Note: The Scotia Momentum Visa Infinite cash back program is an annual program, where the amount earned under the Cash Back Bonus Rate is credited within 7 months from the account open date. And regular Cash Back accumulates each month, and is awarded at the end of each 12 month period directly (November) into an Eligible Account or as a credit on the statement.

Detailed list of benefits and perks of the card are listed here

Take Away

While there are several cards in the Scotiabank portfolio that demand your interest, the cards featured above are ones that I have successfully used in our household over the years. Between 5x earn on groceries (on Amex Gold), 4x earn on recurring bills (Momentum Visa Infinite), and overall strength of the Passport Visa Infinite as a travel card, it covers a large portion of our household expenses, which we then leverage against travel redemptions – Yay us!

What about you – Do any of these cards feature in your wallet?