Best for no-fee basic cash back
Earn: 1% on groceries, delivery, drugstores, gas, EV, transit, rideshare and bills (capped at $15,000/yr); 0.5% on everything else
Offer details: 5% cash back on first $2,000 in 3 months plus 0.99% balance transfers for 9 months; open by Nov 1, 2026
Best for no-fee points on groceries and dining
Earn: 3 Scene+ points per $1 at Sobeys and partners; 2 per $1 on dining, delivery, other groceries, entertainment, gas, transit and streaming; 1 per $1 on everything else
Offer details: Up to 10,000 Scene+ points (2,500 after $250, 7,500 more after $1,000 in 3 months); open by Nov 1, 2026 (up to $100 value)
Best for no-fee Scene+ points
Earn: 2 Scene+ points per $1 at Sobeys, IGA, Home Hardware, Cineplex and other partners; 1 per $1 on everything else
Offer details: Up to 5,000 Scene+ points (2,500 after $250, 2,500 more after $1,000 in 3 months); open by Nov 1, 2026
Offers checked weekly. Last checked Oct 4, 2026. Always confirm the current offer on Scotiabank's site before applying.