Independent ClearFin review · Scotiabank · Visa
Start with up to 5,000 Scene+ points in the first 3 months, worth about $50.
Current new-cardmember offer
Confirm with the issuer
🎓 Student Scene+Its strongest published earn rate in our data is 2.0% on groceries. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueNew cardmembers can earn up to 5,000 Scene+ points in the first 3 months, worth roughly $50, by completing the steps below.
The issuer describes the points as up to $50 toward eligible travel. Full offer terms apply.
Confirm final approval criteria and current rates directly with the issuer.
Designed for students and first-time credit users, approval is based on minimal credit history requirements. Applicants are typically evaluated on basic credit behaviour, banking relationship with Scotiabank, and ability to manage low-limit revolving credit.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is an estimated underwriting profile derived from comparable Canadian student Visa credit products. Final approval depends on income level, credit file depth, utilization, and repayment history.
Reward limits: Accelerated earn rates apply only to eligible merchant categories (grocery, Home Hardware, and Cineplex) and are determined by merchant classification rules. There is no single published overall annual cap on base earn (1 point per $1), but accelerated categories are limited to qualifying merchants only. Travel earn through Scene+ Travel is also rate-defined rather than capped.
Earning cap
Earning cap
Redemption values and availability may vary by option and can change.
Redeem for movies, travel, food & more.
Consider these extras by the value they add to purchases and experiences you already use.
No annual fee
Card carries a $0 annual fee, making it cost-efficient for students and early credit users.
Grocery and everyday earn boost
Earn elevated Scene+ points at participating grocery stores, helping maximize value on essential spending.
Entertainment rewards
Earn accelerated Scene+ points on Cineplex purchases, including tickets and concessions.
Home improvement rewards
Earn higher Scene+ points at Home Hardware and affiliated locations across Canada.
Flexible travel redemption
Redeem Scene+ points for travel bookings, including flights, hotels, and car rentals through Scene+ Travel powered by Expedia.
Car rental savings
Access discounted base rates at participating Avis and Budget locations in Canada and the US when paying with the card.
Fuel savings at Shell
Linked Shell program offers per-litre fuel savings when the card is connected to eligible Shell rewards accounts.
Simple rewards system
Straightforward Scene+ earning and redemption structure designed for everyday use without complex category management.
No included coverage is verified in ClearFin's current catalogue.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
Scene+ points with no annual fee for students. Great movie rewards.
Groceries receive the strongest estimated return at 2.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on groceries and dining and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
