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The Best Scotiabank Credit Cards

The Best Scotiabank Credit Cards

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.

Scotiabank Travel Rewards Credit Cards

Scotiabank Passport™ Visa Infinite* Card

With the Scotiabank Passport™ Visa Infinite* Card, you earn 25,000 points on just $1,000 in purchases, which is a $250 value. And each year, if you make at least $40,000 in Card purchases, you’ll earn 10,000 additional points ($100 value).

With the Scotiabank Passport™ Visa Infinite* Card, you earn 3X Scene+ points on every $1 you spend 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 2 points per dollar for:

  • grocery purchases
  • dining purchases
  • Entertainment
  • Transportation

The Scotiabank Passport™ Visa Infinite* Card is an excellent Visa credit card for these types of purchases.

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

The Scotiabank Passport™ Visa Infinite* Card also offers:

  • no foreign transaction fee
  • 6 complimentary passes to airport VIP lounges
  • Premium insurance for your travels or purchases
  • Concierge services

Scotiabank Gold American Express® Card

The Scotiabank Gold American Express® Card only requires a minimum income of $12,000.

For a limited time, you can earn up to 40,000 points in the first year, which is a $400 value on travel purchases, including Airbnb.

With the Scotiabank® Gold American Express® Card, you earn 6X Scene+ points on every $1 you spend 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:

  • grocery stores
  • Restaurants
  • Entertainment

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 is a no foreign transaction fee card. It has Premium travel and purchase insurance, Concierge services, Exclusive Benefits American Express (Front of the Line Program).

Scotiabank Platinum American Express® Card

For a limited time, when you sign up 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 spent 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).

Scotiabank American Express® Card

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

For a limited time, you can earn up to 7,000 points in the first year, which is a $70 value for trips, including Airbnb.

With the Scotiabank®* American Express® card, you earn 3X Scene+ points on every $1 you spend 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:

  • grocery stores
  • Restaurants
  • Entertainment
  • Gas stations
  • Transit
  • streaming services

And 1 point per dollar of purchase for all other purchases.

You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). Or with Scene+ partners for cash back.

Scotiabank Cash Back Credit Cards

Scotia Momentum® VISA Infinite* Card

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 :

  • 4% on groceries and recurring payments
  • 2% on gas and daily transit
  • 1% on all other purchases

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).

The Scotia Momentum® VISA Infinite* card is an excellent Visa credit card for cash back.

And its insurance benefits are excellent!

Scotia Momentum<sup>®</sup> VISA* Card

The Scotia Momentum Visa Card is a great cash-back credit card in Canada.

With the Scotia Momentum Visa Card, you get:

  • 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 1% cash back on everything else

This is a perfect Visa credit card to earn cash back rewards.

Plus, you can get a 0% introductory rate on balance transfers for the first six months.

Scotiabank No Foreign Transaction Fees Credit Cards

The top three Scotia Credit Cards for Travellers have no foreign currency conversion fees:

That’s a saving of 2.5% on each transaction!

Scotiabank Student Credit Cards

SCENE® VISA* Card

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.

You can earn 5,000 bonus Scene+ points in the first year. That’s $50 off a trip 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.

This is a perfect no-fee Visa credit card to earn cash back.

Scotiabank Credit Cards for Balance Transfer

Scotiabank® Value VISA Card

The Scotiabank® Value Visa Card is one of Canada’s best balance transfer credit cards.

You can get an 0% introductory interest on Balance Transfers for the first six months. And 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: 12.99% on purchases, balance transfers and cash advances.

Scotia Momentum<sup>®</sup> No-Fee Visa* card

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 :

  • 1% Cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.
  • 0.5% on all other purchases

This is a great no-fee Visa credit card to earn cash back.

Plus, you can enjoy an introductory rate of 0.99% on balance transfers for the first six months.

Frequently Asked Questions

Here are frequently asked questions in the Milesopedia community about Scotiabank credit cards.

How to apply for a Scotiabank credit card?

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.

What is Scotiabank&apos;s credit card application checklist?

Scotiabank analyzes several criteria to determine whether to approve your application for a Scotiabank credit card:

  • Minimum personal income (between $12,000 and $60,000 depending on the credit card)
  • A residential address known by Transunion
  • Absence of personal bankruptcy
  • Age of majority
  • Status in Canada (Canadian citizen or permanent resident)
  • Your credit score

Which credit bureau does Scotiabank check?

Scotiabank partners with Transunion to check your credit report when you apply for a Scotiabank Credit card .

How do I get an annual fee rebate with Scotiabank Credit Cards?

The Scotiabank Ultimate Package is a banking package that offers an annual fee rebate for the following Scotia credit cards:

What are Scotiabank travel points credit cards?

Scotiabank offers several travel rewards credit cards within the Scene+ program:

What are Scotiabank&apos;s cash back credit cards?

Scotiabank has several cash back credit cards:

Is there a Scotiabank American Express credit card?

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:

  • Scotiabank Gold American Express® Card, which offers travel points or cash back (for your groceries at IGA, for example). In fact, you get up to 5 points per dollar for groceries and restaurants. And this Scotiabank Credit Card has no foreign transaction fees.

    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.

Is there a Scotiabank Mastercard credit card?

Yes, there is a Scotiabank Mastercard credit card: the all Mastercard credit cards for Costco.

Is there a low interest Scotiabank Credit Card?

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.

Bottom Line

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.