Best Visa Credit Cards in Canada - September 2026

1 Offer Terms and Description: The 15% cash back, 0% introductory balance transfer rate, and first-year annual fee waiver offer (the “Offer”) applies only to new Scotia Momentum Visa Infinite+ credit card accounts (the “Accounts”) opened, and any additional cards issued, between July 2, 2026, and November 1, 2026 (regardless of the date you apply for the Account), subject to the terms and conditions set out below. We will waive the initial annual fees, for the first year only, for the primary card and for each additional card. The Offer may be changed, cancelled, or extended at any time, without notice, and cannot be combined with any other offer.

Description and Terms of the 15% Cash Back Offer: You will receive 15% cash back on the first $2,000 in eligible purchases charged to your new Account during the three months following its opening date (the “Promotional Period”). Eligible purchases mean purchases, minus refunds, returns, and any similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, and card and other fees. After the Promotional Period, you will earn the usual cash back on your purchases, at the regular rate (the “Program Cash Back Rate”) described in the Scotia Momentum Visa Infinite+ cash back program terms (the “Program Terms”). The 15% cash back rate for each category is the sum of the regular cash back rate (which varies by category) and the bonus cash back rate that varies during the Program Cash Back Rate (the “cash back rate”).

The cash back earned under this offer will be credited to your Account, provided it is open and in good standing on the cash back payment date.
1. Bonus Cash Back Rate: Cash back earned at the Bonus Cash Back Rate may be credited to your Account approximately 5 months following its opening date, or otherwise, in accordance with the Program Terms.
2. Regular Cash Back Rate: Cash back earned at the Program Regular Cash Back Rate may be used as described in the Program cash back.

EXAMPLE: If the Program Regular Cash Back Rate for grocery purchases and recurring payments is 4%, the Bonus Cash Back Rate will then be 11% for that purchase category, so that all eligible everyday purchases in this category will qualify for a total cash back of 15% during the Promotional Period, on the first $2,000 in purchases. If you make eligible everyday purchases at grocery stores and recurring payments totalling $2,000, the cash back credited to your Account for this category will be calculated as follows:
(1) a Bonus Cash Back of $220 (11% x $2,000), credited as an adjustment on your statement, and (2) the Regular Cash Back of $80 (4% x $2,000), which will appear on your monthly statements as it is earned.

All other program terms continue to apply during the Offer period.

Description and Terms of the 0% Introductory Balance Transfer Offer: The 0% introductory interest rate offer on balance transfers (the “Rate Offer”) applies only to eligible cash advances (including balance transfers and quasi-cash transactions, collectively referred to as “cash advances”), subject to the conditions below. This introductory rate applies for 12 months from this date (the “Promotional Period”). After the Promotional Period, the interest rate on cash advances covered by the 0% promotional rate (including any outstanding balance of such cash advances at the end of the Promotional Period) will revert to the preferred interest rate applicable to cash advances (currently 22.99%). A fee corresponding to 2% of the amount of any cash advance made during the Promotional Period applies (minimum fee of $5.00).

The Offer is subject to any cash advance limit on your Account. This Offer is also based on your approved credit limit on the date of this Offer. This means that if the sum of transferred balances exceeds the approved credit limit, balance transfers may not be processed. This Offer cannot be used to transfer a balance from another Scotiabank account, nor to make a payment or deposit to another Scotiabank account.

Cancellation of the promotional rate: If we do not receive your minimum payment by its due date shown on your statement twice in a row, you will lose the benefits of this special rate offer and your interest rates will revert to the annual rates normally applicable to your Account (currently 25.99% for purchases and 27.99% for cash advances).

Application of Payments: For residents of Quebec: In general, if one or more interest rates apply to your Account, we apply payments according to the interest rate(s) applicable to the transactions posted to your Account (from highest to lowest rate). For residents outside Quebec: In general, if you make a payment greater than the minimum amount shown on your statement, the difference is applied proportionally to the different groups of charges billed to your Account. Charges are grouped based on the interest rate applicable to them. Your payment cannot be applied to the balance of your choice. Consult your credit card agreement for more information on how payments are applied to your Account.

Description and Terms of the Annual Fee Waiver Offer: We will waive the annual fees, for the first year only, for the primary card and for each additional card issued between July 2, 2026, and November 1, 2026.

Eligibility and Exclusions: You are not eligible for this Offer if you are currently a primary or secondary holder of a Scotiabank personal credit card or have been within the last two years, including if you transfer your balance from a Scotiabank personal credit card account and if you are a Scotiabank employee. Subject to the exclusions mentioned above, holders of a Scotiabank small business credit card are eligible for this Offer. By accepting this Offer, you confirm that you meet all eligibility requirements. We reserve the right to revoke this Offer at any time if we determine that you do not meet the eligibility requirements, including after its acceptance or the opening of the Account.

Rates and Fees: The current annual fees are $120 for the primary card and $50 for each additional card (including those issued for co-account holders and additional cardholders). The current preferred annual interest rates applicable to the Account are: 20.99% on purchases and 22.99% on cash advances. Rates, fees, features, and benefits, which are described in the application disclosure, may be changed.

Refer to RBC page for up to date offer terms and conditions

^† Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 35,000 Avion points for one round-trip long-haul flight to almost anywhere in Canada or the United States with a maximum ticket price of $750, you will need a minimum of 70,000 Avion Points for two round-trips long-haul flights to almost anywhere in Canada or the United States, exclusive of Hawaii and Alaska. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

^ Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 15,000 Avion points for a round trip within or to an adjacent Canadian province/territory or U.S State with a maximum ticket price of $350. You will need a minimum of 60,000 Avion Points for four round-trips within or to an adjacent Canadian province/territory or U.S State. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, please visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

1 This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an “Eligible Credit Card”) received between “August 13, 2026” and “November 25, 2026” (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an Eligible Credit Card account during the Offer Period, are not eligible for the offer.

35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Eligible Credit Card account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.

You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Eligible Credit Card account within the first six (6) months from your Eligible Credit Card account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty days (60) after you reach $5,000 in Qualifying Transactions, provided your Eligible Credit Card account remains open and in good standing at the time the Bonus Points are credited to your account.

Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. Credits for returns and adjustments posted to your Eligible Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.

15,000 additional Avion points (“Anniversary Points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks after the one- year anniversary of your account opening, provided that your Eligible Credit Card account remains open and in good standing at the time the Anniversary Points are credited to your account.

If you close or change your Eligible Credit Card Account for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Anniversary Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.

 

^Point redemptions for flights under the Air Travel Redemption Schedule start at 7,500 points for a short-haul one-way Economy Class flight priced at no more than $175 (and start at 15,000 points for a short-haul round-trip Economy Class flight priced at no more than $350). The traveller is responsible for all applicable taxes, administration fees and surcharges. To learn more, including guidelines regarding redeeming points for a Business Class flight, visit www.avionrewards.com/fr/travel/.

2 Avion points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant) interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

4 To participate in this offer, you must have an RBC debit card or a credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) RBC business credit cards and one (1) RBC business debit card to a Petro-Points card.

You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.

6 Each time you use your linked Eligible Avion Rewards Credit Card to pay for purchases at a Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Avion points than you normally earn for every $1 in purchases in accordance with the Avion Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into Avion Rewards account. Authorized Users are excluded from earning Avion points bonus.

6 Each time you use your eligible linked Avion Rewards credit card to pay for purchases at a Petro-Canada location, you will receive a bonus of twenty percent (20%) more Avion points than you would normally receive for each dollar of purchase, in accordance with the terms of the Avion Rewards program. Please allow up to ninety (90) days from the date the transaction is posted to your credit card statement for your bonus points to be deposited into your Avion Rewards account. Authorized users cannot earn bonus Avion points.

7 Coverage underwritten by RBC Insurance Company of Canada. Please refer to the insurance certificate for complete details. rbc-visa-infinite-avion-certificate-of-insurance.pdf

9 Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

10 The discount of up to 20% off the base rate only (time and mileage) (the “discount”) is offered at participating corporate Hertz locations in Canada and the United States. The discount excludes taxes, tax recovery charges, fees, surcharges and the cost of any optional service, such as refuelling. If you are a personal credit cardholder, you must enter the first six digits of your eligible Avion Rewards card in the CDP number field at the time of booking to receive the discount. For business credit cards and commercial credit cards, a CDP number will be generated upon enrolment in the Hertz Business Rewards program. Please use this CDP identification number for future reservations to take advantage of the discount and the Hertz Business Rewards program. To take advantage of the discount, your colleagues and your company’s employees must also enter the Hertz Business Rewards program CDP number at the time they make their reservation with Hertz. Hertz, and not Royal Bank of Canada, is responsible for the sales and refund terms that apply to the discount. For complete terms, visit hertz.ca (external site opens in a new window). Royal Bank of Canada reserves the right to cancel, amend or withdraw this offer at any time, even after you have activated it. To learn more about the Avion Rewards program, go to www.avionrewards.com/fr/ (opens in a new window).

11 This offer is not transferable. To earn 3X the Avion points you normally earn (“Bonus Points”) for every one dollar ($1.00) in purchases, including taxes, you make at any corporately owned Hertz location in Canada, U.S., UK, Germany, Italy, Switzerland, Netherlands, Belgium, Spain, Australia and Luxembourg, beginning January 2, 2025 to December 31, 2025 (“Offer Period”), click the “Load Offer” button and pay using one of your eligible RBC Avion credit card (“Eligible RBC Card/Credit Card”) (“Qualifying Purchase”). Franchised Hertz locations are not eligible for this offer.

The up to 20% discount rate applies to the base rate only (time and mileage charges) (“Discount”) and is available at participating Hertz corporate locations in Canada and the U.S.. The Discount excludes taxes, tax reimbursements, fees, surcharges and optional service charges, such as refueling. CDP ID #451401 must be used at time of reservation to receive the Discount.

Upon Hertz Gold Plus Rewards (GPR) registration, you’ll be upgraded to Hertz Five Star status in 48 hours. If you’re already an existing member of Hertz GPR, please follow the prompts on the landing page.

If you change your eligible RBC Avion credit card, you must load the Hertz offer again in Offers. If you cancel your eligible RBC Avion credit card, you will not be eligible for the Discount, Bonus Points or Hertz Five Star status.

Please allow up to 30 days from the date of your Qualifying Purchase, provided your credit card account was in good standing at that time, for the Bonus Points to appear on the account statement tied to your eligible RBC Avion credit card. Cancellations or price adjustments may cancel or reduce the Avion points earned on your Qualifying Purchase, including Bonus Points. Offer may not be combined with any other offer, promotion, certificate, voucher or other discount.

Hertz, not Royal Bank of Canada, is responsible for the sales and returns terms and conditions applicable to your Qualifying Purchase(s) and Discount. For complete terms and conditions please visit: https://www.hertz.ca/avionrewardselite(opens to external site). Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, even after you have activated it. For more details on the Offers program, please visit rbc.com/offers(opens to external site).

12 You will earn 1.25 Avion points for every dollar spent when you use your RBC Avion Visa Infinite card to pay for travel-related purchases made at merchants classified by Visa’s “Merchant Category Code” (“MCC”) as “travel”, which may include: airlines, accommodations, tour operators, cruise lines, travel agencies and car rental companies. Even though some merchants may sell travel products/services, purchases made at these locations may not necessarily qualify for the 1.25 Avion points per dollar if the merchant is not classified with a “travel” MCC. Also, merchants that are not classified by a “travel” MCC may be located on the premises of merchants that are classified with a “travel” MCC, and purchases made at these locations may not qualify for this added benefit. For more details, please refer to the Avion Rewards Terms and Conditions at: https://www.avionrewards.com/terms-and-conditions/index.html

14 The term “redeem” means using your Be Well points to pay, or partially pay, for eligible purchases using your Be Well card at participating Rexall locations according to the instructions provided by the cashier, the point-of-sale terminal or any other payment processing device. You can redeem the Be Well points you earn for eligible purchases—see section 5 of the Be Well terms (available at https://www.letsbewell.ca/terms-conditions)—or for another purpose that we may provide from time to time.

You must have joined the Be Well program and registered your Be Well card, or otherwise called customer service, to redeem Be Well points. Any Be Well points earned on a Be Well card will remain the property of the Be Well administrator until the enrollment and registration process is complete.

You must redeem a minimum of 25,000 Be Well points at any time, which are worth $10. Be Well points can be redeemed in $10 increments, up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed for prescription drugs. As the laws of each province and territory may change from time to time, you are encouraged to consult your pharmacist for more information in this regard.

Be Well points you earn when you make a purchase cannot be redeemed immediately for that same purchase. They can only be redeemed for a future eligible purchase that must be made at least 12 hours after earning those Be Well points.

16 To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before November 16, 2028 (“Offer Period”). If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions .

Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.

The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 6 months or 12 months Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.

DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.

Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.

You are only eligible for one 12 month Complimentary DashPass Subscription and one 6 months Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. For example, if you subscribe to a 12 month Complimentary DashPass Subscription in on the last day of your second month of a 6 months Complimentary DashPass Subscription you will receive a total of 14 months of Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.

12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, More Rewards RBC Visa Infinite, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business, WestJet RBC World Elite Mastercard for Business (Elite Benefit cards) cardholder.

You are eligible for a Complimentary DashPass Subscription for 12 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.

6 Months Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an Rewards+TM Visa‡, Signature® RBC Rewards® Visa‡, RBC® Visa‡ Platinum, RBC® Visa‡ Cash Back, RBC® Cash Back Mastercard‡, RBC® Visa‡ Classic Low Rate Option, RBC® Visa‡ Classic, RBC® Student Visa‡ Classic, RBC® Visa‡ Classic II Student, RBC® Visa‡ Gold, RBC® U.S. Dollar Visa‡ Gold, RBC Rewards Visa‡ Gold, RBC RateAdvantage® Visa‡, WestJet RBC® Mastercard‡, RBC ION Visa, RBC ION+ Visa, More Rewards RBC Visa, RBC Staff VISA Classic Expense, RBC Staff VISA Gold Expense, RBC® Visa‡ Business, RBC® Visa‡ Business Gold, RBC® Visa‡ CreditLine for Small BusinessTM, or RBC® Business Cash Back Mastercard‡, WestJet RBC® World Elite Mastercard‡ (Premium Benefit Cards).

You are eligible for a Complimentary DashPass Subscription for 6 months from the date you subscribed to the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 6 months Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.

DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass (opens to external site). For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf

* The potential value of savings and rewards during the first 12 months includes the value of the welcome offer, the potential value of points earned in the first year, the value of savings on foreign currency transaction fees and the cost of airport lounge access as of May 22, 2026:

$250 in travel rewards (25,000 bonus Scene+ points) for new Scotiabank Passport® Visa Infinite +* Cardholders who charge $2,000 in purchases to their account within the first three (3) months;

$100 in travel rewards (10,000 bonus Scene+ points) for cardholders who charge $40,000 in purchases to their account;

$50 in savings from the annual fee waiver on the first additional card for new Scotiabank Passport Visa Infinite +* Card credit card account holders;

$132 in savings on foreign currency transaction fees based on the average amount of foreign currency purchases made per active account over the past 24 months (by saving on the 2.5% foreign currency transaction fees typically charged by other credit card issuers);

$364 representing the potential value of points earned in the first year (36,400 Scene+ points) based on the average amount of purchases made per active account over the past 24 months, assuming an average spend of 21% of purchases in categories eligible for accelerated earn rates of 2X and 3X points;

$358 representing the value of complimentary membership in the Visa Airport Companion program which includes 6 airport lounge passes (based on « Preferred » membership valued at approximately $357 CAD/$259 USD). Based on the exchange rate in effect on May 22, 2026.

Maximum potential value after the first year = $1,254 (rounded to $1,250)

The actual value of offers, savings realized and points earned will vary depending on card usage and eligibility for applicable offers. Conditions apply.

1 Offer description and conditions: The 25,000 Scene+ points offer (the « offer ») applies only to new Scotiabank Passport Visa Infinite +* Card credit card accounts (the « accounts ») opened between August 4, 2026 and November 1, 2026 (regardless of the date you apply for the account) subject to the conditions below. The offer may be modified, cancelled or extended at any time without notice, and it cannot be combined with any other offer.

In addition, as a Scotiabank Passport Visa Infinite +* Cardholder, you are eligible for an annual bonus of 10,000 Scene+ points if you charge at least $40,000 in eligible everyday purchases to your Scotiabank Passport Visa Infinite +* Card account over the course of one year. Conditions apply; see below for more details.

Description and conditions of the 25,000 bonus Scene+ points offer: To be eligible for the 25,000 bonus Scene+ points offer (« 25,000 bonus points »), you must charge at least $2,000 in total eligible purchases to your account within the first three months following the account opening date.

Conditions for the annual 10,000 Scene+ points bonus:
As a Scotiabank Passport Visa Infinite +* Card credit cardholder, you can earn an annual bonus of at least 10,000 Scene+ points (the « annual points bonus ») if you charge at least $40,000 in eligible purchases to your account over the course of one year (12-month period). The annual period begins on the account opening date; a new period starts again every twelve months thereafter. If you replace another Scene+-eligible credit card with the Scotiabank Passport Visa Infinite +* Card (i.e., it is not a new card or an additional card), the opening date of your original account will be carried over to your new Scotiabank Passport Visa Infinite +* Card account and your annual period under this offer will begin on the next anniversary date of your original account opening. For example, if you originally opened a Scotiabank Gold American Express® Card account on January 15, 2022 and you switch to the Scotiabank Passport Visa Infinite +* Card on July 15, 2025, your annual period under the 10,000 Scene+ points annual bonus offer will begin on January 15, 2026 (your next anniversary date) and a new period will start again on January 15 each year thereafter. You will earn 2,000 bonus Scene+ points for each additional $10,000 in purchases made during the same year once you have reached the $40,000 annual purchase threshold.

Eligible purchases means purchases, less refunds, returns and any other similar credits, and excludes payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, as well as card fees and other fees.

Fulfillment of the annual points bonus: Bonus points will be credited within approximately eight weeks after you become eligible for a bonus, provided the account is open and in good standing. In the case of a joint account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 25,000 bonus points and the annual points bonus will be credited to the Scene+ account linked to the account of the borrower who made the transaction that reached the eligible purchase threshold ($2,000, or $40,000) within the appropriate timeframe (the first three months, or the first 12 months). If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 25,000 bonus points, or the annual points bonus, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. It is possible to transfer points between the Scene+ accounts of a primary borrower, a co-borrower or an additional cardholder by contacting Scene+. An account is in good standing if it is not past due, there is no over-limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the account. All other program conditions continue to apply during the offer period.

Offer eligibility and exclusions: You cannot take advantage of the offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or have been one in the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, small business credit cardholders are eligible for this offer.

Rates and fees: The annual fees are $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to joint account holders and additional cardholders). The preferred annual interest rates applicable to the account are as follows: 20.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). The rates, fees, and features and benefits, which are described in the disclosure statement accompanying the application, may be changed.

This is an exclusive digital offer^†. To be eligible for this offer:
1) this offer must have been directly communicated to you from CIBC or from a partner or affiliate;
2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you^†.

This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.^†

^† Conditions apply. To learn more, select the Apply Now option.

This is an exclusive digital offer^†. To be eligible for this offer:
1) this offer must have been directly communicated to you from CIBC or from a partner or affiliate;
2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you^†.

This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.^†

^† Conditions apply. To learn more, select the Apply Now option.

This is a digital-exclusive offer.^† To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you. ^† This offer is reserved for you. Please do not forward it to anyone else.

This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.^†

^† Terms and conditions apply. Click on Apply Now to learn more.

*Terms and conditions apply

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*Terms and conditions apply

BMO is not responsible for maintaining the content on this site. For the latest information, please click on the Apply Now link.