Best Scotiabank Credit Cards in Canada - September 2026

The Scotiabank Gold American Express Card offers an excellent welcome bonus.

Until November 1, 2026, you can earn up to 50,000 bonus Scene+ points, broken down as follows:

• 30,000 Scene+ points by charging $2,000 in purchases to the card within the first 3 months
• 20,000 Scene+ points by making $7,500 in purchases on the card in the first year

This represents a value of up to $500 for travel (including Airbnb).

With the Scotiabank Gold American Express Card, you earn 6 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

Also, you earn 5 points per dollar for:

• Grocery stores
• Restaurants
• Entertainment centers

And 3 points per dollar on gas, transit and streaming services purchases.

You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). You can also use your points as cash back rewards with Scene+.

The Scotiabank Gold American Express Card also offers no foreign transaction fees, excellent insurance for your travel or purchases, concierge service, exclusive American Express benefits like the Front of the Line program.

For a limited time, by signing up for the Scotiabank Platinum American Express® Card, you can earn up to 100,000 Scene+ points, worth up to $3,000 in value over the first 14 months (including about $1,000 in travel rewards from the bonus points).

With the Scotiabank Platinum American Express® Card, you earn 2 points per dollar spent on all purchases. These points can be used against any travel purchase (plane tickets, hotels, all-inclusives, and even Airbnb), and you can also use them for other rewards in the Scene+ program, like cash back.

Plus, with this card, you pay no foreign transaction fees, and you get 10 free accesses to VIP airport lounges (Priority Pass).

And you benefit from excellent insurance for your trips and purchases, premium concierge service, and exclusive American Express Invitations offers.

With this welcome offer for the Scotiabank Passport Visa Infinite +* Card ^+* Card^MC, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three months.

Plus, every year, earn an annual bonus of at least 10,000 Scene+ points when you charge at least $40,000 in purchases to your account. In total, the offer represents up to 35,000 Scene+ points and a value of up to $1,250 in the first year, including rewards, savings on foreign transaction fees and airport lounge access.

With the Scotiabank Passport Visa Infinite +* Card, you earn 3 points per $1 spent at Sobeys, IGA, Safeway, Foodland and participating Co-ops, and 2 points per $1 spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per $1 on all your other everyday purchases.

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

The Scotiabank Passport Visa Infinite +* Card also offers:

• No fees for foreign currency transactions
• 6 complimentary airport VIP lounge passes
• Excellent insurance for your travels and purchases
• Visa Infinite* Concierge Services

We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.

With this welcome offer for the Scotiabank Passport® Visa Infinite Privilege* Card, you get up to 80,000 bonus Scene+ points as a welcome bonus (worth $800):

• 30,000 points by making at least $3,000 in everyday eligible purchases in your first 3 months.
• 30,000 points after $20,000 in purchases within the first six months
• 20,000 points by making an eligible purchase during the 14th month following account opening

With the Scotiabank Passport® Visa Infinite Privilege* Card, you earn:

• 3X Scene+ points for every $1 in eligible travel purchases
• 2X Scene+ points for every $1 in eligible purchases at dining and entertainment establishments
• 1X Scene+ points for every dollar spent on all other eligible purchases

Including on foreign purchases, with no foreign transaction fees.

The Scotiabank Passport® Visa Infinite Privilege* Card is an excellent Visa credit card for this type of purchase.

These points can be used against any travel purchase at the rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb). You can also redeem your points for cash back at Scene+, for example, at your local grocery store checkout at the same rate of 1,000 points = $10.

The Scotiabank Passport® Visa Infinite Privilege* Card also offers:

• No fees for foreign currency transactions
• 10 complimentary airport lounge visits per year
• $250 annual travel credit
• Excellent insurance for your travels and purchases
• Concierge service

The Scotia Momentum® VISA Infinite*+ card is recognized, year after year, as one of the best cash back credit cards in Canada. Milesopedia has even named it best cash back credit card in 2026.

Currently, thanks to this promotional offer, the Scotia Momentum Visa Infinite+ Card has no annual fee for the first year, including on additional cards. And you can get 15% cash back on all your purchases for the first three months (up to $2,000 in total purchases).

It also includes a new convenient benefit for travellers: enjoy 10 GB of free GigSky global mobile data for 15 days, as well as access to Travel Essentials to use essential apps like messaging, maps, and email while on the go. Cardholders also continue to receive 1 GB of free GigSky mobile data per year, plus a 20% discount on future GigSky purchases.

With the Scotia Momentum® VISA Infinite+ card, you get:

• 4% cash back on grocery purchases and recurring payments
• 2% cash back on gas purchases, public transit, carpooling, and food delivery
• 1% cash back on all other purchases

For example, if you spend $1,000 per month on grocery purchases and/or recurring payments, you will get $40 cash back per month, or $480 per year, with this card, for this purchase category. And that’s not counting the other purchases you make with this card and the benefits it offers (including its excellent insurance coverage).

Also note that you can use your cash back at any time (the cash back balance must be at least $25).

The Scotiabank American Express® Card is one of the best no-annual-fee credit cards in Canada.

For a limited time, you can earn up to 10,000 Scene+ points in the first three months, a value of up to $100 in travel (including Airbnb):

• 2,500 Scene+ points after $250 spent in the first three months
• 7,500 Scene+ points after $1,000 spent in the first three months

With the Scotiabank American Express® Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

You also earn 2 points per dollar on:

• Grocery stores
• Restaurants
• Entertainment
• Gas stations
• Local transportation
• Streaming services

And 1 point per dollar on all other purchases.

These points can be redeemed against any travel purchase (flights, hotels, all-inclusives and even Airbnb) or with Scene+ partners.

Looking for a Scene+ credit card with no annual fee? The Scotiabank Scene+ Visa Card is ideal for students or those who don’t want to pay annual fees.

For a limited time, you can earn up to 5,000 bonus Scene+ points within your first 3 months (2,500 points after $250 and an additional 2,500 points after $1,000 in spending). Enough to get you about $50 towards a trip or your grocery purchases.

With the Scotiabank Scene+ Visa Card, you earn 2 points for every dollar spent at Sobeys, Safeway, IGA, Foodland, participating Co-ops, FreshCo and more.

You also earn 2 points for every dollar spent at Home Hardware and at Cineplex.

And you get 1 point Scene+ on all your other purchases.

It’s a great Visa credit card with no annual fee to get Scene+ points.

The Scotiabank Momentum Visa Card is an excellent cash back credit card in Canada.

With the Scotiabank Momentum Visa Card, you get:

• 2% cash back on purchases at grocery stores and drugstores, and on meal delivery services and meal kit subscriptions
• 2% cash back on gas, electric vehicle charging, and public transit such as bus, taxi, and rideshare trips
• 2% cash back on eligible recurring bill payments such as utilities and fitness club memberships
• 2% cash back on eligible subscriptions such as video streaming services or music streaming
• 1% cash back on all other eligible purchases

It is a very good Visa credit card for cash back. Also note that you can use your cash back at any time (the cash back balance must be at least $25).

In addition, you can benefit from an introductory rate of 0.99% on balance transfers for the first nine months (2% fee per cash advance).

The Scotiabank Momentum No Annual Fee Visa Card is an excellent cash back credit card in Canada. Right now, you can get 5% cash back on all your purchases for the first three months (up to $2,000 in total purchases).

With the Scotiabank Momentum No Annual Fee Visa Card, you get:

• 1% cash back on purchases at grocery stores and pharmacies, as well as on meal delivery services and subscriptions to ready-to-cook meal services
• 1% cash back on gas, electric vehicle charging, and public transit such as bus, taxi, and ridesharing trips
• 1% cash back on eligible recurring bill payments such as utilities and gym memberships
• 1% cash back on eligible subscriptions such as video streaming or music streaming services
• 0.5% cash back on all other eligible purchases

It is an excellent no annual fee Visa credit card for cash back. Also note that you can use your cash back at any time (the cash back balance must be at least $25).

In addition, you can benefit from an introductory rate of 0.99% on balance transfers for the first nine months (2% fee per cash advance).

The Scotia minimum Visa Card is one of the best credit cards for balance transfers in Canada.

You can get an introductory interest rate of 0% on balance transfers for the first nine months (with a 1% transfer fee). You pay no annual fee for the first year with this Visa credit card.

What’s more, this Visa credit card offers a low interest rate: 13.99% on purchases, balance transfers and cash advances.