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Discover Scotiabank’s best credit cards, offering a variety of benefits such as cash back, welcome bonuses and competitive interest rates, which are ideal for optimizing your day-to-day spending.
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 offers an excellent welcome bonus.
Until January 1, 2026, you can get up to 50,000 Scene+ points as a welcome bonus, distributed as follows:
This represents a value of up to $500 for travel (including Airbnb). Plus, the card is free for the first year!
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 such as the Front of the Line program.
With this welcome offer for the Scotiabank Passport Visa Infinite Card, you’ll receive up to 45,000 Scene+ points in welcome bonus (a $450 value):
Then, each year, if you make at least $40,000 in purchases on the card, you’ll earn an annual bonus of at least 10,000 points, a value of $100.
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 purchases, in the following categories:
The Scotiabank Visa Infinite Passport is an excellent Visa credit card for this type of purchase.
These points can be used against any travel purchase at the rate of1,000 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 Visa Infinite Passport also offers :
We voted this credit card the Best No FX Fee Credit Card of 2024 and 2025.
For a limited time, by subscribing to Scotiabank Platinum American Express® Card, you can earn up to 80,000 points. That’s a value of $800 for trips including Airbnb.
With Scotiabank Platinum American Express® Card, you earn 2 points per dollar spent on all your 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.
What’s more, with this card you pay no fees for foreign currency transactions, and you get 10 free accesses to airport VIP lounges like Priority Pass and Premium Plaza.
And you get excellent insurance for your travels or purchases, concierge service, and exclusive American Express Offers (American Express Invites Program).
With this welcome offer for the Scotiabank Passport Visa Infinite Privilege Card, you’ll receive up to 80,000 Scene+ points (a value of $800):
With the Scotiabank Passport Visa Infinite Privilege Card, you earn:
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.
The Scotiabank Passport Visa Infinite Privilege Card also offers:
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, which represents a $50 value for travel (including Airbnb) :
With 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 against 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!
Scotia Momentum Visa is an excellent 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.
What’s more, you can take advantage of an introductory rate of 2.99%, with 0% fees on balance transfers for the first six months.
The three best Scotia credit cards for travellers have no conversion fees for foreign currency transactions:
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 5,000 Scene+ points after spending $1,000 in the first three months. That’s enough to buy $50 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 point Scene+ on all your other purchases.
It’s a great Visa credit card with no annual fee to get Scene+ points.
Scotia 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 0.99% on cash advances for the first nine months (including balance transfers, with a 2% 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.
The no-annual-fee Scotia Momentum Visa is an excellent cashback credit card in Canada. Currently, you can earn 5% cash back on all purchases for the first three 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.
What’s more, you can benefit from a 0% introductory rate on balance transfers for the first six months. A 2% fee applies to cash advances.
With the Scotiabank Passport Visa Infinite* Business Card, you can earn up to 40,000 Scene+ points as a welcome bonus:
With the Scotiabank Passport Visa Infinite Business Card, you pay no conversion fees for foreign currency transactions.
You’ll also benefit from six complimentary worldwide airport lounge passes per year .
The Scotia Momentum for business Visa Card is one of the best cash back options for business owners in Canada.
You can earn up to 3% cash back on your business expenses:
What’s more, you currently benefit from an introductory rate of 2.99% on balance transfers for the first six months.
With the Scotia Momentum for business Visa Card, you also benefit from protections for your purchases:
The card also offers practical financial management tools for your business:
With the Scotia Home Hardware PRO Visa* Business Card, you can earn up to 7,500 bonus Scene+ points in the first year (that’s up to $75 in rewards) by making at least $1,500 in purchases at Home Hardware within the first 3 months of membership.
With this card, you earn 1 Scene+ point for every dollar of eligible business purchases at Home Hardware, redeemable for business rewards such as business travel, home renovations, entertainment, groceries, gift cards, technology or statement credits.
With the Scotia® Home Hardware PRO Visa* Business Card, you benefit from a 21-day interest-free grace period on new purchases, savings on purchases with Visa SavingsEdge, and up to 25% off AVIS and Budget car rentals.
Here are the awards received in the Milesopedia ranking of the best credit cards in Canada in 2025:
The Scotiabank Gold American Express® Card is the Best Cash Back Credit Card According to the Milesopedia Community in 2025 for these reasons:
The Scotiabank Passport™ Visa Infinite* Card is the Best No Foreign Conversion Fee Credit Card in 2025 in Canada for these reasons:
Scotiabank Gold American Express® Card is the Best Grocery Credit Card in Canada in 2025 for these reasons:
The Scotia Momentum® VISA Infinite* Card is the Best Credit Card for Recurring Payments in 2025 in Canada for these reasons:
Scotiabank Value® Visa* Card is the Best Low-Interest Rate Credit Card in Canada in 2025 for these reasons:
Here are some 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 that the information given is identical to that in your credit file (especially the 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:
To learn more about Scotiabank’s Ultimate Package, read this post.
Scotiabank offers several Travel credit cards through its Scene+ program:
The Scotiabank Passport Visa Infinite Card is one of Scotiabank’s best travel credit cards. In fact, it offers 6 free annual accesses to VIP airport lounges and no conversion fees for foreign currency transactions.
Scotiabank has several cash back credit cards:
The Scotia Momentum® VISA Infinite* card is Scotiabank’s best cashback credit card. You will get cash back and there is often a first-year annual fee rebate.
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:
We recommend the Scotiabank Gold American Express® Card, which offers travel points or cash back (for your groceries at IGA, for example). In fact, you earn up to 5 points per dollar on groceries and restaurants. And this Scotia credit card has no conversion fees for foreign currency transactions.
If you travel regularly, we recommend the Scotiabank Platinum American Express® Card. This Scotia credit card comes with a subscription to DragonPass and 10 annual accesses to DragonPass airport lounges.
In fact, it’s one of the last credit cards to offer a DragonPass subscription with so much annual access to DragonPass lounges around the world. And this Scotia credit card has no conversion fees for foreign currency transactions.
Yes, there is a Scotiabank Mastercard credit card: the Scotia Momentum® Mastercard®. You can use it at Costco, like all Mastercard credit cards for Costco.
Yes, there is a low-interest Scotia credit card: the Scotia Value Visa.
With this Scotia credit card, you get an interest rate of only 12.99%. What’s more, this low-interest Scotia credit card is regularly promoted with a discount on the first year’s annual fee. 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 truly up to the demands of the 21st century.
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