Offer
- Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points.
- Earn 2X the Scene+ points for every $1 in eligible purchases at grocery stores, restaurants, and entertainment.
- Earn 2X the Scene+ points for every $1 of eligible gas and public transit purchases. Includes bus, metro, taxis, ridesharing and more.
- Earn 2X Scene+ points for every $1 spent on all your other purchases.
- Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
- You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
- Enjoy 10 free airport lounge visits per year.
Fees & Conditions
Personal Income
$12,000
Household Income
$12,000
Annual Fee
$399
First Additional Card
$99
Other Additional Card
$99
Foreign Transaction Fee
0.00%
Value
Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value
Advantages
Offer ends on
Jul 1, 2026
Welcome Bonus amount
Up to 80,000 Scene+ Points
Minimum Spending Required
$10,000
Minimum Spending Timeframe (Months)
14 month(s)
Transferable Points
Rewards Type
No Foreign Transaction Fee, Low rate, Travel Rewards, Travel Rewards, Cash Back
Transfer Partners
Scene+
Loyalty Program
Scene+
VIP Lounges
Lounge Annual Visits included
10
Concierge
Earnings
Per dollar of purchases
All Spending
2 Scene+ Points
Groceries
2 Scene+ Points
Gas
2 Scene+ Points
Dining and Food delivery
2 Scene+ Points
Convenience Stores
2 Scene+ Points
Drugstores
2 Scene+ Points
Local Transport
2 Scene+ Points
Travel
2 Scene+ Points
Entertainment
2 Scene+ Points
Recurring Payments
2 Scene+ Points
Telecom/Internet
2 Scene+ Points
Streaming services
2 Scene+ Points
Online transactions
2 Scene+ Points
Office Supplies
2 Scene+ Points
Insurance
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
31 day(s)
Travel medical insurance up to 64 years old
$2,000,000
31 day(s)
Travel medical insurance 65+
$2,000,000
10 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Other Insurance
Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
120 day(s)
Mobile Device Insurance
$1,000
1 year
Price Protection
Legal
*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.