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2024's Best Reward Credit Cards for Canadians

Compare the best rewards credit cards to get the perks you actually want.

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Rewards credit card 101

Looking to get more out of your credit card? Rewards credit cards help you earn back valuable cash rewards, point rewards, travel rewards, or a combination on every purchase you make through your credit card. Find out which of these credit card rewards match your lifestyle and compare the best Canadian rewards credit cards on RATESDOTCA.

Best Credit Cards for 2024: Best Rewards Credit Cards

Many credit cards offer travel points, cash back or low interest rates for making day-to-day purchases. However, some rewards programs stand out for their extensive redemption options and more ways for cardholders to potentially save money through exclusive offers and deals.

Our top picks feature flexible reward programs to help cardholders get more in return for their daily spending. Additionally, extra perks and benefits provide users access to comprehensive travel insurance coverage, exclusive deals and, most importantly, high earn rates for everyday purchases like gas and groceries.

We compared the leading rewards credit cards using our Best of Finance methodology and ranked the cards with the highest first-year value, the most flexible rewards and robust benefits.

  First year value* Credit score required Winner  
$1,361 Fair American Express Cobalt® Credit Card
$1,194 Good Scotiabank®* Gold American Express® Card
$476 Fair President’s Choice Financial® World Elite Mastercard®
$1,361 Fair American Express Cobalt® Credit Card

*The RATESDOTCA Best of Finance methodology assumes the cardholder spends an average of $2,000 a month on their card to determine the first-year value. The calculation includes all welcome bonuses and promotional offers at the time of publishing.

Best Overall Rewards Credit Card

Many credit cards offer travel points, cash back or low-interest rates for making day-to-day purchases. However, some rewards programs stand out for their extensive redemption options and more ways for cardholders to potentially save money through exclusive offers and deals.

Our top picks feature flexible reward programs to help cardholders get more in return for their daily spending. Additionally, extra perks and benefits provide users access to comprehensive travel insurance coverage, exclusive deals and, most importantly, high earn rates for everyday purchases like gas and groceries.

We compared the leading rewards credit cards using our Best of Finance methodology and ranked the cards with the highest first-year value, the most flexible rewards and robust benefits.

  First year value* Credit score required Top features  
$1,361 Fair Flexible Membership Rewards® program and travel insurance.
$1,536 Excellent Enjoy a Priority Pass Membership with four free lounge passes annually. Get a NEXUS application fee rebate and travel insurance.
$1,194 Good Enjoy the flexible Scotia Scene+ rewards program, no foreign transaction fees and travel insurance coverage.
$1,451 Good Enjoy great travel benefits and insurance. You can redeem points for travel, statement credit and more.
$1,144 Good Travellers can earn points and redeem for flights through various airline rewards programs. Includes comprehensive travel insurance and mobile device insurance.

Winner: American Express Cobalt® Credit Card

For a monthly fee of $12.99, you can access the cards with one the best rewards programs in the market: The American Express Cobalt® Credit Card.

Points can be put towards flights (through the Fixed Points Travel Program Travel), streaming services, movie tickets, events, statement credits, and purchases on Amazon.ca.

Here’s how the earn rate on the Cobalt® Card breaks down.

Earn five points for every $1 spent on eligible restaurant, grocery and food delivery purchases in Canada. Get three points for every $1 spent on eligible streaming subscriptions. Earn two points for every $1 spent on eligible travel and transit purchases and get one point for every $1 spent on all other purchases. Cardholders should notice their reward balance growing steadily from their typical everyday purchases, with no major change in spending habits required.

According to our Best of Finance methodology, the average Canadian would earn $1,361 in rewards in the first year and $999 in rewards in the second year, and that’s after fees. Many other rewards credit cards have jacked-up welcome bonuses, but Cobalt® Card rewards are structured to keep delivering value, and you don’t need an exceptional income or credit score to qualify for it.

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$362
+ Annual rewards
$1155
- Annual fee
$156
Total first year value
$1361
American Express Cobalt® Credit Card

card image
Welcome bonus
$362
AMEX Rewards points
Annual rewards
$1155
AMEX Rewards points
Annual fees:
$156
Interest rates:
21.99% on purchases • 21.99% on cash advances
2024 Winner – Best Overall Rewards Credit Card, Best Credit Card for Young Professionals, and Best Credit Card for Earning Travel Points and Best American Express Credit Card.
Particularly great for individuals who live in the city, eat out often or order in.
Details at a glance Collapse details
Welcome bonus
$362
Annual rewards
$1155
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$362
+ Annual rewards
$1155
- Annual fee
$156
Total first year value
$1361
Annual fees:
$156
Interest rates:
21.99% on purchases
21.99 on cash advances
2024 Winner – Best Overall Rewards Credit Card, Best Credit Card for Young Professionals, and Best Credit Card for Earning Travel Points and Best American Express Credit Card.
Particularly great for individuals who live in the city, eat out often or order in.
Details at a glance Collapse details

Annual fee

$155.88 ($12.99 per month)

Annual fee for additional cardholders: $0

Limited time offer/bonus

  • In your first year as a new Cobalt® Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets.

Offer expiry date: Ongoing offer

Rewards

  • Earn five points for every $1 spent at grocery stores, restaurants, cafés, bars and food delivery purchases.
  • Earn three points for every $1 spent on eligible streaming subscriptions in Canada.
  • Earn two points for every $1 spent on transit, gas, and other eligible travel purchases.
  • Earn one point for every $1 spent on all other purchases.

Earning potential

How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.

Rewards earned over a 12-month period = 86,971 Membership Rewards® points

Monetary value= $1,417

Hotel Booking Credit= $100

Annual fee = $156*

Total earned over the first year (rewards minus annual fee) = $1,361

* The American Express Cobalt® Credit Card has a $12.99 monthly fee ($155.88 per year).

You can redeem your points for:

  • Flights through the Fixed Points Travel Program
  • Travel
  • Streaming services
  • Movie tickets
  • Retail purchases
  • Events
  • Amazon.ca purchases
  • Statement credits

Insurance

  • Out-of-province/country emergency medical insurance
  • Flight delay insurance
  • Baggage delay insurance
  • Lost and stolen baggage insurance
  • Hotel burglary insurance
  • Travel accident insurance
  • Car rental theft and damage insurance
  • Mobile device insurance
  • Purchase security
  • Extended warranty

Runners-up: Best Overall Rewards Credit Card

2. CIBC Aventura® Visa InfiniteTM Card

For a limited time, new CIBC Aventura® Visa InfiniteTM Card cardholders can earn 45,000 Aventura Points when they sign up, a value of about $900. Cardholders regularly earn two points for every $1 spent on travel purchased through the CIBC Rewards Centre, 1.5 points for every $1 spent at eligible gas stations, grocery stores and drugstores, and one point for every $1 spent everywhere else.

Cardholders also get a complimentary visit to one of the 1,200+ lounges available globally through the Visa Airport Companion Program, a NEXUS application fee rebate every four years, and comprehensive travel insurance coverage.

According to our Best of Finance methodology, the average Canadian would earn around $1,536 in rewards in the first year.

Annual fee

$139 (First year rebated)

Interest rate

Purchase – 20.99%

Cash advance – 22.99% (21.99% for QC residents)

Balance transfer – 22.99%

Welcome bonus

  • Get a total of up to 45,000 Aventura Points (up to $900 in travel value):
  • 15,000 Aventura Points when you make your first purchase
  • 30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods
  • Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): over $189 value.
  • Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: over $277 in value.
  • Plus, get a NEXUS◊ Application Fee rebate: A $100 value

Offer expiry date: Ongoing offer

Rewards

  • Earn two points for every $1 spent on travel through the CIBC Rewards Centre.
  • Earn 1.5 points for every $1 spent at eligible gas stations, grocery stores and drugstores.
  • Earn one point for every $1 spent on all other purchases.

3. Scotiabank®* Gold American Express® Card

The Scotiabank®* Gold American Express® Card offers accelerated rewards categories that are similar to the American Express CobaltTM Credit Card but with its own twist. If you have the Scotiabank Gold American Express, you can redeem points for movie tickets: earn five Scotia Scene+ points for every $1 spent on groceries, restaurants, food delivery, food subscriptions, and entertainment purchases. Get three Scotia Scene+ points for every $1 spent on gas, daily transit, and streaming services, and one Scotia Scene+ point for every $1 spent anywhere else.

This card also features excellent travel benefits. Get the Best Price Guarantee on airfare through the Scotia Rewards Travel Service. Access a full line of travel insurance coverage. Plus, pay no foreign transaction fees, usually around 2.5% of foreign currency purchases. Only the exchange rate applies.

According to our Best of Finance methodology, the average Canadian would earn around $1,194 in rewards in the first year.

Annual fee

$120 (First year waived)

Limited time offer/bonus

  • Earn 25,000 bonus Scotia Scene+ points when you spend at least $1,000 in the first three months.
  • Get an additional 20,000 Scotia Scene+ points when you spend at least $7,500 in everyday purchases in the first year.

Offer expiry date: January 2, 2025

Rewards

  • Earn five Scotia Scene+ points for every $1 spent on eligible groceries, restaurants, fast food, food delivery, and entertainment purchases.
  • Earn three Scotia Scene+ points for every $1 spent on eligible gas, daily transit and select streaming purchases, including Netflix.
  • Earn one Scotia Scene+ point for every $1 spent elsewhere.

4. American Express® Gold Rewards Card

The American Express® Gold Rewards Card is a great rewards card with a generous bonus offer, complimentary airport lounge access, a NEXUS discount and travel insurance benefits. If you’re an avid traveller, this Amex will help you rack up points you can later redeem for travel discounts, air tickets and much more.

According to our Best of Finance methodology, the average Canadian would earn around $1,451 in rewards in the first year.

Annual fee

$250

Welcome bonus

  • Earn up to 60,000 Membership Rewards® points: This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.
  • New American Express® Gold Rewards Cardmembers earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your card.

Offer expiry date: Ongoing offer

Rewards

  • Earn 2 AMEX Membership Rewards points per $1 spent on gas, grocery, drugstore and travel purchases.
  • Earn 1 AMEX Membership Rewards point per $1 spent on all other purchases.

5. RBC Avion® Visa Infinite

With the RBC Avion® Visa Infinite, you can redeem points for many great rewards, including travel tickets, gift cards, merchandise or cash back. You also won’t need to worry about blackout periods or seat restrictions; if you find an open seat, you can use your rewards to book it, even during peak seasons. Best of all, flights start as low as 15,000 RBC rewards points. According to our Best of Finance methodology, the average Canadian would earn around $1,144 in rewards in the first year.

Annual fee

$120

Limited time offer/bonus

Get 35,000 welcome Avion points on approval** (travel value of up to $750)- Enough to fly anywhere in Canada & the U.S (Alaska and Hawaii require more points)

Offer Expiry Date: N/A - Ongoing Offer

Rewards

  • Earn one RBC Rewards point for every $1 spent on the card.
  • Earn an extra 25% on eligible travel-related purchases.
  • Earn an additional 20% at Petro-Canada.

Other perks

  • Mobile device insurance
  • Door Dash subscription
  • Fuel savings

Best Credit Card for Subscriptions

As we move deeper into a subscription–based economy, you may have found yourself attached to several accounts – whether on a streaming platform, food delivery app or something else. Either way, all the accompanying expenses are likely taking a toll on your reward balance.

If your current rewards card isn’t specifically designed for online subscriptions and other expenses, you may be receiving a lower number of rewards or cash back than you would’ve if your lifestyle was more ‘old-school.’ Luckily, our top picks reward cardholders for their subscriptions as well as takeout and delivery purchases, while offering some great perks for maintaining your favourite subscriptions.

We compared the best credit cards for delivery and takeout purchases using our Best of Finance methodology and ranked the cards that provided the highest first-year value.

  First year value* Credit score required Top features
$1,194 Good Earn five Scotia Rewards points for every $1 spent on fast food, food delivery and food subscriptions. Earn three Scotia Rewards points for every $1 spent on eligible subscription purchases like Netflix.
$1,144 Good Make use of flexible redemption on points, plus generous welcome bonuses of up to $1,100 in travel.
$434 Good For no annual fee, earn 2 Scene+ points on select streaming services, in addition to discounts at participating rental car agencies.
Earn five Scotia Rewards points for every $1 spent on fast food, food delivery and food subscriptions. Earn three Scotia Rewards points for every $1 spent on eligible subscription purchases like Netflix.
$1,144
Good
Make use of flexible redemption on points, plus generous welcome bonuses of up to $1,100 in travel.
For no annual fee, earn 2 Scene+ points on select streaming services, in addition to discounts at participating rental car agencies.

Winner: Scotiabank®* Gold American Express® Card

The Scotiabank®* Gold American Express® Card rewards cardholders for their everyday purchases, from takeout and delivery to streaming services. Get five Scotia Scene+ points for every $1 spent on eligible groceries, takeout, food subscription boxes, and entertainment purchases. Earn three Scotia Scene+ points for every $1 spent on gas, transit and select streaming services, like Netflix. Get one Scotia Scene+ point for every $1 spent on all other purchases.

Rack up rewards quickly and redeem them for thousands of options, including travel, merchandise, gift cards and statement credits. Plus, pay no foreign transaction fees on purchases made abroad or online in foreign currency. Only the exchange rate applies.

According to our Best of Finance methodology, the average Canadian would earn around $1,024 in rewards in the first year.

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$450
+ Annual rewards
$744
- Annual fee (First Year Waived)
$0
Total first year value
$1194
Scotiabank®* Gold American Express® Card

card image
Welcome bonus
$450
Scotia Scene+ Points
Annual rewards
$744
Scotia Scene+ Points
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases • 22.99% on cash advances
2024 Winner – Best No Foreign Transaction Fees Credit Card for Long Stay Travellers and Best Credit Card for Subscriptions
Details at a glance Collapse details
Welcome bonus
$450
Annual rewards
$744
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$450
+ Annual rewards
$744
- Annual fee (First Year Waived)
$0
Total first year value
$1194
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases
22.99 on cash advances
2024 Winner – Best No Foreign Transaction Fees Credit Card for Long Stay Travellers and Best Credit Card for Subscriptions
Details at a glance Collapse details

Annual fee 

$120 (First year waived)

Welcome bonus

Earn up to $950* in value in the first 12 months, including up to 45,000 bonus Scene+ points and first year annual fee waived.1 . Offer ends January 2, 2025

Rewards

6x Scotia Scene+ points:

  • Select grocery stores

5x Scotia Scene+ points:

  • Groceries
  • Restaurants
  • Entertainment

3x Scotia Scene+ points:

  • Gas
  • Daily transit
  • Select streaming services

1x Scotia Scene+ point:

  • All other purchases

Earning potential

How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.

Rewards earned over a 12-month period + Welcome Bonus = $744 + $450 = $1,194

Annual fee = $120 (First year waived)

Total earned over a 12-month period (rewards minus annual fee) = $1,194

Benefits

  • No foreign transaction fees - including online shopping
  • Amex exclusive benefits (Front Of The Line)
  • 24/7 concierge service
  • Discount on the Priority Pass membership

Insurance coverage

  • Purchase Protection - 90 days
  • Extended Warranty - 1 year
  • Travel Accident - $500,000
  • Emergency Medical Term - 25 days
  • Trip Cancellation - $1,500
  • Trip Interruption - $1,500
  • Flight Delay- $500
  • Baggage Delay - $1,000
  • Lost or Stolen Baggage - $1,000
  • Rental Car Theft & Damage

Runners-up: Best Credit Card for Subscriptions

RBC Avion® Visa Infinite

With the RBC Avion® Visa Infinite Card, you can earn reward points and redeem them for a variety of great rewards such as travel tickets, gift cards, merchandise or cash back. Thanks to this card, you will have no blackouts or seat restrictions. And if you find an open seat, you can use your rewards to book it – even during peak seasons. Best of all, flights start as low as 15,000 RBC rewards points.

According to our Best of Finance methodology, the average Canadian would earn around $1,144 in rewards in the first year.

Annual fee 

$120

Welcome bonus

Get 35,000 welcome Avion points on approval** (travel value of up to $750)- Enough to fly anywhere in Canada & the U.S (Alaska and Hawaii require more points)

Offer Expires - N/A - Ongoing Offer.

Rewards

  • 1.25 Avion points for every $1 spent on travel
  • 1 RBC Avion point for every $1 spent on all purchases

Earning potential

How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.

Rewards earned over a 12-month period + Welcome Bonus = $750 + $514 = $1,264

Annual fee = $120

Total earned over a 12-month period (rewards minus annual fee) = $1,144

Benefits

  • Get $0 delivery fees for 12 months from DoorDash17 - Add your eligible RBC credit card to your DoorDash account to:
  • Get a 12-month complimentary DashPass subscription18 – a value of almost $120
  • Enjoy unlimited deliveries with $0 delivery fees on orders of $12 or more when you pay with your eligible RBC credit card
  • Instant fuel savings at Petro-Canada
  • Link your card to earn more Be Well points at Rexall
  • Access to luxury Visa Infinite events
  • Help protect your RBC credit card balance when you need it most – with optional BalanceProtector Max.

Scotiabank American Express® Card

With Scotiabank American Express® Card, for a limited time only, you can earn up to 7,000 bonus Scene+ points within your first year (which is up to $70 towards travel).

This card is a good fit for people who want a convenient and secure payment method for all their everyday purchases that also helps them build their credit history – as long minimum payments are made on time each month. In addition, Scotiabank American Express® Card allows you to earn numerous rewards and benefits – while charging $0 in annual fees.

According to our Best of Finance methodology, the average Canadian would earn around $454 in rewards in the first year.

Annual fee 

$0

Welcome bonus

Earn up to 5.000 bonus Scene+ points within your first year (that’s up to $50 towards travel)1. Offer ends July 1, 2025

Rewards

  • 2 points per $1 spent on groceries, gas, restaurants and food delivery, entertainment, transit and select streaming services
  • 1 point per $1 spent on all purchases

Earning potential

How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.

Rewards earned over a 12-month period + Welcome Bonus = $384 + $50 = $434

Annual fee = $0

Total earned over a 12-month period (rewards minus annual fee) = $434

Benefits

  • Amex Invites and reserved tickets access
  • Rental car discounts at participating AVIS and Budget locations
  • Discounts through Scotia Rewards Program
  • Full service travel agency

Best Family Credit Card for Gas and Groceries

The right credit card can benefit the entire family. Whether it’s redeeming points for groceries at your favourite store or putting them towards streaming services, Canada’s top credit cards can save you money where you least expect it.

We compared the leading credit cards for grocery and gas purchases using our Best of Finance methodology and ranked the cards that provided the highest first-year value.

However, sometimes, there are other, more important, characteristics that make a credit card great. That’s why our top pick for the best family credit card may surprise you.

Despite not having the best value by our own standards, we feel that the President’s Choice Financial® World Elite Mastercard® is the best credit card for families. Why? This no-fee offers families the ability to combine their PC Optimum points into a household pool, meaning families can earn and spend their rewards together. Plus, you can get supplementary cards for free.

With that in mind, your total for rewards earned on the President’s Choice Financial® World Elite Mastercard® could eclipse the earning potential of the other cards on the list.

Keep reading to see the full ranking.

  First year value* Credit score required Top features
$476 Fair The card has no annual fee, allowing customers get it as a secondary card to shop for groceries and gas and save money in the process.
$1,194 Good Earn points on groceries, dining, entertainment, gas, streaming services and public transportation purchases.
$1,361 Fair Earn 5 AMEX Membership Rewards for every $1 spent on food and groceries.
The card has no annual fee, allowing customers get it as a secondary card to shop for groceries and gas and save money in the process.
Earn points on groceries, dining, entertainment, gas, streaming services and public transportation purchases.
Earn 5 AMEX Membership Rewards for every $1 spent on food and groceries.

Winner: President’s Choice Financial® World Elite Mastercard®

Cardholders of the President’s Choice Financial® World Elite Mastercard® can earn and redeem points on their purchases at President’s Choice banner brands including, Loblaws, No Frills, Real Canadian Superstore and Zehrs, as well as their drugstore purchases at Shoppers Drug Mart. Earn at least 30 points per litre at Esso and Mobil gas stations. You can now also redeem your points at Esso.

Cardholders also have two ways to earn rewards faster. The first way is to present their PC Optimum card at the checkout and double dip on points. The second is by creating a “household” within the PC Optimum app and pooling points to earn and redeem rewards as a family.

According to our Best of Finance methodology, the average Canadian would earn around $476 in rewards in the first year.

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$20
+ Annual rewards
$456
- Annual fee
$0
Total first year value
$476
PC® World Elite Mastercard®

card image
Welcome bonus
$20
PC Optimum™ points
Annual rewards
$456
PC Optimum™ points
Annual fees:
$0
Interest rates:
21.99% on purchases • 22.97% on cash advances
2024 Winner – Best Family Credit Card for Gas and Groceries
Great card for fans of the PC Optimum™ rewards program looking to save even more on groceries
Details at a glance Collapse details
Welcome bonus
$20
Annual rewards
$456
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$20
+ Annual rewards
$456
- Annual fee
$0
Total first year value
$476
Annual fees:
$0
Interest rates:
21.99% on purchases
22.97 on cash advances
2024 Winner – Best Family Credit Card for Gas and Groceries
Great card for fans of the PC Optimum™ rewards program looking to save even more on groceries
Details at a glance Collapse details

Annual fee 

$0

Welcome bonus

20,000 PC Optimum™ points after your first purchase

Rewards

Earn:

  • Up to 45 PC Optimum™ points for every $1 spent at Shoppers Drug Mart
  • 30 PC Optimum™ points for every $1 spent at participating grocery stores and on PC mobile and PC travel purchases
  • 10 PC Optimum™ points for every $1 spent on all other purchases

Earning potential

How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.

Rewards earned over a 12-month period + Welcome Bonus = $456 + $20 = $476

Annual fee = $0

Total earned over a 12-month period (rewards minus annual fee) = $476

Benefits

  • 24/7 Concierge

Insurance coverage

  • Travel Medical - 10 days
  • Purchase Protection - 90 days
  • Extended Warranty - 1 year
  • Rental Car Insurance

Runners-up: Best Family Credit Card for Gas and Groceries

Scotiabank®* Gold American Express® Card

The Scotiabank®* Gold American Express® Card offers rewards and benefits that are well-suited for families. Get rewarded with bonus points for meal kits like HelloFresh and Chefs Plate or streaming services like Netflix. Earn five Scotia Scene+ points for every $1 spent on grocery, fast food, food delivery, food subscription and entertainment purchases.

Earn three Scotia Scene+ points for every $1 spent on gas, transit purchases and select streaming services. Get one Scotia Scene+ point for all other purchases.

This card also features travel insurance and no foreign transaction fees — both fantastic perks for a family on vacation.

According to our Best of Finance methodology, the average Canadian would earn around $1,194 in rewards in the first year.

Annual fee 

$120 (First year waived)

Welcome bonus

Earn up to $950* in value in the first 12 months, including up to 45,000 bonus Scene+ points and first year annual fee waived.1 Offer ends January 2, 2025.

Rewards

  • 6x Scotia Scene+ points select grocery stores
  • 5x Scotia Scene+ points from groceries, restaurants and entertainment
  • 3x Scotia Scene+ points from gas, daily transit and select streaming services
  • 1x Scotia Scene+ point from all other purchases

Earning potential

How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.

Rewards earned over a 12-month period + Welcome Bonus = $744 + $400 = $1,194

Annual fee = $120 (First year waived)

Total earned over a 12-month period (rewards minus annual fee) = $1,194

Benefits

  • No foreign transaction fees - including