A no-fee gem: 2x-3x on groceries, dining, gas, transit and streaming plus mobile device insurance make it one of the strongest free rewards cards in Canada, if Amex acceptance works for you.
At a glance
Annual fee
No annual fee
Welcome bonus
~$100
Foreign tx fee
2.5%
Network
AMEX
Rewards
points
Purchase APR
21.99%
Rewards & earn rates
Sobeys-family grocery storesSobeys, Safeway, FreshCo, Foodland and more; 2x at other grocery stores
3x
Dining & food delivery
2x
Entertainment
2x
Gas
2x
Daily transit
2x
Select streaming services
2x
Everything else
1x
Welcome offer: Up to 10,000 bonus Scene+ points (2,500 + 7,500) (Spend $250 in first 3 months (2,500 pts) and $1,000 in first 3 months (7,500 pts). Offer for accounts opened May 1 - Nov 1, 2026).
Pros & cons
Pros
Best-in-class earn rates for a no-fee card
Mobile device insurance is rare at $0 annual fee
Cons
No travel insurance included
2.5% foreign transaction fee
Amex acceptance is more limited in Canada
Perks & insurance
Key perks
No annual fee with strong 2x-3x everyday earn rates
3x Scene+ points at Sobeys-family grocery stores
Amex Front Of The Line presale and event access
Extra 3x points on hotels and car rentals via Scene+ Travel
Low $12,000 income requirement
Insurance
Mobile device insurance
Purchase security and extended warranty protection
Rates & fees
Annual fee
None
Purchase interest
21.99%
Cash advance
22.99%
Foreign transactions
2.5%
Min. personal income
$12,000
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
