Discover the top Scotiabank credit cards tailored to meet diverse financial needs. From rewarding cashback offers to travel perks, explore options that enhance your spending power while maximizing benefits. Compare features and find the perfect card for your lifestyle today.
Scotiabank, one of Canada’s leading financial institutions, offers a wide range of credit cards designed to meet the changing needs of today’s consumers. With the rapid evolution of mobile banking, how we manage our finances has changed dramatically, and Scotiabank is at the forefront of this revolution.
Below are Scotiabank’s best credit card offers, updated regularly:
If you are looking for information about Scotiabank’s accounts and Scotiabank’s digital banking (banking packages), you will find them on this page.
The Scotiabank Gold American Express® Card only requires a minimum income of $12,000, making it accessible to the greatest number of people.
Until January 2, 2025, you can earn up to 45 000 Scene+ points in the first year, a value of $450 for travel (including Airbnb). Plus, there is a first-year annual fee rebate!
We strongly advise you to apply for this card before January 2, 2025, because the next offer may be less appealing.
With the Scotiabank Gold American Express® Card, you earn 6 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.
Also, you earn 5 points per dollar for:
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 currency transaction fees, excellent travel and purchase insurance, concierge service and exclusive American Express benefits (Front of the Line Program).
With this welcome offer for the Scotiabank Passport™ Visa Infinite* Card, you earn up to 35,000 Scene+ points as a welcome bonus (a $350 value) :
Then, each year, if you make at least $40,000 in purchases on the card, you’ll earn an annual bonus of 10,000 points, a $100 value.
With the Scotiabank Passport™ Visa Infinite* 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’ll also earn 2 points for every dollar you spend, including on foreign transactions, in the following categories:
The Scotiabank Passport™ Visa Infinite* Card is an excellent Visa credit card for this type of purchase.
You can redeem your points for any travel purchase at the rate of 1,000 points = $10 (flights, hotels, all-inclusive properties and even Airbnb). You can also use your points as cash back with Scene+, such as at your grocery store checkout at the same rate of 1,000 points = $10.
The Scotiabank Passport™ Visa Infinite* Card also offers:
We voted this credit card the Best No-FX Fee Credit Card of 2024.
For a limited time, when you apply for the Scotiabank®* Platinum American Express® Card, you can earn up to 60,000 points. That’s a $600 value for travel purchases including Airbnb.
With the Scotiabank®* Platinum American Express® Card, you earn 2 points per dollar on all purchases. You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). And you can also use them for other rewards in the Scene+ program, such as cash back rewards.
Plus, with this card, you will not pay 2.5% foreign transaction fees on any foreign currency purchases, and you get ten complimentary visits to airport VIP lounges with the Priority Pass and Premium Plaza networks.
And you get excellent insurance for your travels or purchases, concierge service, and exclusive American Express Offers (American Express Invites Program).
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 5,000 points in the first three months, representing a $50 value for travel (including Airbnb).
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.
Also, you get 2 points per dollar for:
And 1 point per dollar of purchase for all other purchases.
These points can be used for any travel purchase (air tickets, hotels, all-inclusives and even Airbnb) or with Scene+ partners for cash back.
The Scotia Momentum® VISA Infinite* card is recognized year after year as one of the best cash-back credit cards in Canada.
Currently, there is no annual fee in the first year, including on additional cards. And you can earn 10% cash back on all purchases for the first three months (up to $2,000 in total purchases).
With the Scotia Momentum® VISA Infinite* card, you get:
For example, if you spend $1,000 per month on groceries and/or recurring payments, you’ll earn $40 cash back per month, or $480 cash back per year with this card for this category of purchases! And that’s not counting the other purchases you’ll make with this card and the advantages it offers (particularly in terms of insurance).
If you rent, for example, you could use the Scotia Momentum® Visa Infinite* Card on the Chexy website to pay your rent and get 4% cash back!
The Scotia Momentum® VISA Infinite* card is an excellent Visa credit card for cash back.
And its insurance benefits are excellent!
The Scotia Momentum Visa Card is a great cash-back credit card in Canada.
With the Scotia Momentum Visa Card, you get:
This is a perfect Visa credit card to earn cash back rewards.
And you can get a 2.99% introductory interest rate with 0% fee on balance transfers for the first 6 months.
The top three Scotia Credit Cards for Travellers have no foreign currency conversion fees:
That’s a saving of 2.5% on each transaction!
Are you 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 an annual fee.
For a limited time, you can earn up to 7,500 Scene+ points after spending $1,000 in the first three months. That’s enough to buy $75 worth of travel or groceries!
With the Scotiabank® Scene+™ Visa Card, you earn 2 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’ll also earn 2 points for every dollar you spend at Home Hardware stores!
And you get 1 Scene+ point on all your other purchases.
It’s a great Visa credit card with no annual fee for earning Scene+ points.
The Scotiabank Value® Visa* Card is one of the best credit cards for cash advances (including balance transfers) in Canada.
You can get an introductory interest rate of 0% on cash advances for the first ten months (including balance transfers). 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.
The Scotia Momentum® No-Fee Visa* Card is a great cash-back credit card in Canada. Currently, you can earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
With the Scotia Momentum® No-Fee Visa* Card, you get :
This is a great no-fee Visa credit card to earn cash back.
Plus, you can get a 0% introductory rate on balance transfers for the first six months. A 2% fee applies to cash advances.
Here are the awards received in the Milesopedia’s 2024 Credit Card Awards:
Scotiabank Passport™ Visa Infinite* Card is the Best No Foreign Transaction Fee Credit Card in 2024 in Canada for these reasons:
Scotiabank Gold American Express® Card is the Best Credit Card For Groceries in 2024 in Canada for these reasons:
The Scotia Momentum® Visa Infinite* Card is the Best Credit Card For Recurring Payments in 2024 in Canada for these reasons:
The Scotiabank Value® Visa* Card is the Best Low-Interest Credit Card in Canada in 2024 for these reasons:
The Scotiabank Gold American Express® Card is the Best Scene+ Credit Card in 2024 in Canada for these reasons:
Here are frequently asked questions in the Milesopedia community about Scotiabank credit cards.
To apply for a Scotiabank credit card, use one of our secure links on this page or elsewhere on Milesopedia.
You can then apply for a Scotiabank credit card on the Scotiabank website. Make sure the information on your credit report is the same as the information in your home address.
Scotiabank also regularly verifies that the reported revenues are in line with your actual income.
Scotiabank analyzes several criteria to determine whether to approve your application for a Scotiabank credit card:
Scotiabank partners with Transunion to check your credit report when you apply for a Scotiabank Credit card .
The Scotiabank Ultimate Package is a banking package that offers an annual fee rebate for the following Scotia credit cards:
Scotiabank offers several credit cards with travel points within the Scene+ program:
Scotiabank has several cash back credit cards:
Yes, there are Scotia American Express credit cards.
Scotiabank is the only Canadian bank – outside of American Express Canada – to offer American Express credit cards:
If you travel regularly, we recommend the Scotiabank Platinum American Express® Card. This Scotiabank Credit Card comes with a Priority Pass membership and 10 annual Priority Pass airport lounge visits.
It is one of the last credit cards to offer a Priority Pass membership with so many annual visits to Priority Pass lounges worldwide. And this Scotiabank Credit Card has no foreign transaction fees.
Yes, there is a Scotiabank Mastercard credit card: the all Mastercard credit cards for Costco.
There is a low-interest Scotiabank credit card: the Scotiabank Value® Visa* Card.
With this Scotiabank credit card, you get an interest rate of only 12.99%. In addition, this low interest Scotia credit card is regularly promoted with a first-year annual fee rebate. As well as an introductory promotional interest rate for cash advances or balance transfers.
Scotiabank continues to innovate in the credit card arena, offering consumers powerful tools to manage their finances in today’s digital world. With seamless mobile banking integration, simplified banking, and unmatched security, Scotiabank credit cards are indeed up to the demands of the 21st century.
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