Best Scene+ Credit Cards in Canada (2026)

2 are issued by Scotiabank. Tangerine Rewards World Elite Mastercard is issued by Tangerine and also earn Scene+ in our data. Ranked by overall score, highest first.

We do not rank Scene+ cards we do not have in the data. Scotia Momentum cards in our data are cash back, not Scene+. We do not add Scene+ cards that are not in the data.

Net annual value uses the published spend profile (rewards minus annual fee). Welcome bonuses are scored separately in the formula — see How we rank.

This site values Scene+ at 1¢ per point. That is a fixed issuer rate, not an estimate: Fixed: 1,000 pts = $10 grocery/pharmacy.

Arithmetic: 1,000 points × 1¢ = 1000¢ = $10. So 6 Scene+ points per $1 is 6 × 1¢ = 6¢ per dollar, or 6%.

The same 1¢ rate appears on Scotiabank’s earn-and-redeem page for grocery/pharmacy ($10 off per 1,000 points), dining ($5 off per 500 points), Scene+ Travel (100 points = $1), and Tangerine’s World Elite page for in-person redemptions (100 points = $1).

One Passport issuer example is weaker: 3,000 points = $20 account credit, which is $20 ÷ 3,000 = about 0.67¢ per point. We do not use that account-credit example for scores or the calculator. We use the grocery/pharmacy rate above (source: https://www.scotiabank.com/ca/en/personal/programs-services/sceneplus-rewards/earn-redeem.html).

Figures below are the earn lines in our card data. Effective % uses 1¢ per point. “Up to” travel rates include extra points via Scene+ Travel and are not a guaranteed rate on every travel merchant.

Scotiabank Gold American Express Card (4.7/5, $120 annual fee, FX None). Top listed earn is 6% at 1¢/point. Listed welcome offer: Up to 50,000 bonus Scene+ points: 30,000 for $2,000 eligible purchases in first 3 months, plus 20,000 more for $7,500 in first year At this site's 1¢ Scene+ rate, 50,000 bonus points = $500.

• 6 Scene+ points per $1 on Sobeys, Safeway, FreshCo, Foodland & more — 6% at 1¢/point
• 5 Scene+ points per $1 on Dining, food delivery, food subscriptions, other eligible grocery — 5% at 1¢/point
• 5 Scene+ points per $1 on Entertainment — 5% at 1¢/point
• 3 Scene+ points per $1 on Gas, transit (rideshare, bus, taxi, subway) — 3% at 1¢/point
• 3 Scene+ points per $1 on Streaming — 3% at 1¢/point
• Up to 4 Scene+ points per $1 on Travel (1 + up to 3 extra via Scene+ Travel)
• 1 Scene+ point per $1 on All other purchases — 1% at 1¢/point

Estimated net annual value on the published spend profile: $414. Store-specific rates (for example Sobeys-family 6X on the Gold Amex) are not applied to all grocery spend in that estimate.

Tangerine Rewards World Elite Mastercard (3.6/5, $120 annual fee, FX 2.5%). Top listed earn is 1.5% at 1¢/point. Listed welcome offer: 50,000 Scene+ points ($500 value) for $5,000 net purchases in first 90 days. Plus 10,000 points ($100) annual bonus for $30,000 annual spend.

• 1.5 Scene+ points per $1 on 3 chosen accelerator categories (Categories: Grocery, Restaurants, Gas, Entertainment, Furniture, Hotel, Drug Store, Recurring Bills, Home Improvement, Transit/Parking, E-Games, Fitness, Foreign Currency. Switch every 90 days.) — 1.5% at 1¢/point
• 1 Scene+ point per $1 on All other purchases — 1% at 1¢/point

Estimated net annual value on the published spend profile: $105. Store-specific rates (for example Sobeys-family 6X on the Gold Amex) are not applied to all grocery spend in that estimate.

Scotiabank Passport Visa Infinite+ Card (3.4/5, $150 annual fee, FX None). Top listed earn is 3% at 1¢/point. Listed welcome offer: 25,000 bonus Scene+ points (offer Aug 4 - Nov 1, 2026). Plus 10,000 annual bonus at $40,000 annual spend, with 2,000 more for each additional $10,000. At this site's 1¢ Scene+ rate, 25,000 bonus points = $250.

• 3 Scene+ points per $1 on Sobeys, Safeway, IGA, Foodland, participating Co-ops — 3% at 1¢/point
• 2 Scene+ points per $1 on Dining, entertainment, transit — 2% at 1¢/point
• 1 Scene+ point per $1 on All other purchases — 1% at 1¢/point

Estimated net annual value on the published spend profile: $42. Store-specific rates (for example Sobeys-family 6X on the Gold Amex) are not applied to all grocery spend in that estimate.

The Scotiabank Gold American Express issuer page (the source URL on that card) states:

• Accelerated Scene+ rates apply on Canadian-dollar purchases in Canada. Foreign-currency purchases earn 1 Scene+ point per $1 after conversion — even though the FX mark-up is 0%.
• Accelerated earn applies to the first $50,000 in qualifying purchases each calendar year (1 January–31 December), then 1X. That $50,000 cap is not stored in our earn-rate data, so our score and calculator do not apply it.

If you spend above that cap, real-world value is lower than the uncapped estimate.

Pick the Scotiabank Gold American Express Card if: Score 4.7/5, American Express, $120 annual fee, FX None. Excellent for Sobeys shoppers and travellers with no FX fees and up to 6X points on groceries.

Pick the Tangerine Rewards World Elite Mastercard if: Score 3.6/5, Mastercard, $120 annual fee, FX 2.5%. Premium Scene+ card with excellent travel insurance, 4 lounge passes, and strong welcome + annual bonus potential.

Pick the Scotiabank Passport Visa Infinite+ Card if: Score 3.4/5, Visa, $150 annual fee, FX None. Premium travel card with Visa acceptance, no FX fees, 6 complimentary airport lounge passes, and free global mobile data.

If you want 0% FX as well: Only the Scotiabank-issued Scene+ cards in our data list a 0% FX fee. Tangerine Rewards World Elite lists 2.5% FX in our data — choosing “Foreign Currency” as an accelerator category earns extra points; it does not waive the fee.

Run a custom mix on the spending calculator. This ranking is the published score, not a Sobeys-only ranking.