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%
Purchase Rates
9.99%
Cash Advance Rates
9.99%
Balance Transfer Rates
9.99%
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
Oct 31, 2025
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, 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
There may be a daily maximum amount depending on the type of fees paid
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
Alternative Cards
Legal
*Conditions apply. Rates, fees and other information are effective as of January 3, 2025. Subject to change.