Earn Scene+ rewards on everyday spending with no annual fee
No annual fee, primary and supplementary cards
Earn Scene+ rewards and build credit without paying a yearly fee.
Welcome bonus up to 5,000 Scene+ points
New cardholders can earn up to 5,000 bonus points in the first three months.
2X points at key Scene+ partners
Get 2 Scene+ points per dollar at Sobeys-group grocers, Home Hardware and Cineplex.
Flexible Scene+ redemptions across travel and everyday rewards
Redeem points for movies, travel, groceries, dining, gift cards and more.
How the Scotiabank Scene+ Visa Turns Everyday Purchases into Rewards
The Scotiabank Scene+ Visa Card is a no-annual-fee rewards card built around the Scene+ loyalty program, giving Canadians a simple way to turn everyday spending into free movies, travel, groceries and more. Because there is no annual fee for the primary card or supplementary cards, it works well as a starter rewards card or as a low-commitment secondary card dedicated to earning Scene+ points. It’s particularly appealing if you already shop at Scene+ partner brands or enjoy regular entertainment and dining.
As of 2025, new cardholders can earn a welcome bonus of up to 5,000 Scene+ points in the first three months. The offer is typically structured in tiers: you earn an initial chunk of bonus points after a relatively small spend (for example, $250 in eligible purchases), and a second chunk once you reach a higher total spend (for example, $1,000) within the same three-month period. The exact thresholds and dates are promotional and may change, so it’s always worth confirming the current details when you apply.
The earn rates are straightforward and focused on popular Canadian merchants. You earn 2 Scene+ points per dollar at participating grocery banners under the Sobeys umbrella (such as Sobeys, Safeway, Foodland, FreshCo, participating IGA and co-ops, and online at Voilà), 2 points per dollar at Home Hardware, and 2 points per dollar at Cineplex theatres and online. All other eligible everyday purchases earn 1 Scene+ point per dollar. When you book eligible hotels and car rentals through Scene+ Travel, powered by Expedia, you can earn extra points on those bookings, enhancing the travel side of the program.
Scene+ points are flexible and easy to use. You can redeem directly for Cineplex movie tickets and concessions, or use your points toward travel bookings made via Scene+ Travel. You can also apply points against eligible travel purchases charged to your card, or redeem for groceries, dining, gift cards and merchandise within the Scene+ ecosystem. This flexibility means your rewards can support entertainment, essentials or getaways, depending on what matters most to you.
Beyond rewards, the card includes everyday conveniences such as Scotia SelectPay, which allows you to convert eligible purchases of $100 or more into structured payment plans, helping you manage larger expenses over time. Cardholders can also access car-rental discounts of up to 25% off base rates when renting through participating Avis and Budget locations. Optional credit card protection and discounted global data through partners like GigSky add extra utility, especially for occasional travellers or students. The purchase interest rate is 20.99% and the cash advance rate is 22.99%, so the card offers the best value when you pay your statement in full each month and treat the rewards as a bonus rather than a reason to carry a balance.
Ready to Turn Your Costco Runs into Serious Cash Back?
If Costco already plays a central role in your household budget, the CIBC Costco Mastercard is a natural way to squeeze more value out of every cart you roll to the checkout. By aligning its richest earn rates with the places many Canadians already spend—restaurants, gas stations, EV chargers and Costco.ca—this card transforms familiar weekly routines into a steady stream of cash back, with no annual fee holding you back. Add in the ability to earn 1% on all other eligible purchases, including in-warehouse Costco shopping, and your everyday life quickly becomes a meaningful part of your annual rewards total.
The once-a-year Costco cash back gift certificate model also fits neatly with how many families use the warehouse: you can treat it as a built-in rebate on your membership renewal, a way to lower the cost of a big stock-up trip or a chance to splurge on a special purchase you might otherwise put off. Because CIBC makes it easy to track your cash back throughout the year through online and mobile banking, you always have a clear view of how your rewards are building, which helps with planning larger Costco runs or timing big-ticket purchases. You can also add authorized users so your partner or family members contribute to the same rewards pool, consolidating household spending in a single, easy-to-monitor account.
Beyond the numbers, this card offers practical protections and perks that many entry-level products lack. Mobile device insurance can save you hundreds of dollars if your eligible phone is accidentally damaged or stolen, a real advantage for families with teens or anyone who relies heavily on their smartphone. Purchase security and extended warranty coverage help you feel more confident buying electronics, appliances and other higher-ticket items, whether at Costco or elsewhere, because you know your card can step in when things go wrong. Meanwhile, features like zero liability protection, fraud alerts, spending alerts, mobile wallet compatibility and access to CIBC Pace It instalment plans on eligible Costco purchases round out a package designed for modern Canadian shoppers who value both convenience and safety.
If you are considering the CIBC Costco Mastercard, start by looking at your last few months of spending. Estimate how much you spend at restaurants, on fuel and EV charging, on Costco.ca orders and in Costco warehouses. If the majority of your budget runs through those channels and you are comfortable paying off your balance in full each month, the card’s value proposition becomes especially compelling and can easily fit into a long-term household savings strategy.