Scene+ no-fee card for minimal usage - Visa vs Amex

Credit

Long story short, my oldest credit card is a Scotiabank no-fee cash-back Visa that I barely use anymore, apart from a monthly $5 recurring payment (that I immediately pay off) to keep it active. The cash-back program recently changed from automatic cash back once a year (so 60¢ a year for me, yaaay) to "anytime redemption" with a $25 minimum, so with my limited usage, it'll take me many years to get cash back again. I'm thinking I should switch it to one of Scotia's no-fee Scene+ cards so at least it's useful for something.

It's my understanding from past posts that I can product-switch to another Scotia Visa or Amex card while keeping the account's credit history. My current primary credit card from another bank is a Visa, and I don't have any Amex, so between that and the better Scene+ multipliers, the no-fee Scotia Amex is the better choice, right?

Just making sure I'm not missing anything before I call Scotia.

Posted Mar 14, 2026, 3:11 AM UTC

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