Up to 70,000 Points + First-Year Free + 0% FX-Fee
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Scotiabank’s Best Credit cards

The Best Scotiabank Travel Credit Card

Scotiabank Gold American Express® Card

Scotiabank Gold American Express® Card only requires a $12,000 minimum income and is therefore accessible to as many people as possible.

For a limited time, you can earn up to 50,000 points in the first year, which is a $500 value for travel including Airbnb. And the first-year is free!

With the Scotiabank Gold American Express® Card, you earn 5 points per dollar for:

  • grocery stores
  • Restaurants
  • Entertainment

You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb).

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).

The Best Scotiabank Credit Card with Travel Benefits

Scotiabank Passport™ Visa Infinite* Card

With the Scotiabank Passport™ Visa Infinite* Card, you get 30,000 points after only $1,000 in card purchases ($300 value).

And every year, if you charge at least $40,000 in purchases to your card, you’ll get a 10,000 annual bonus ($100 value).

Besides, the first year is free for the primary and additional cardholders.

With the Scotiabank Passport™ Visa Infinite* Card, you get 2 points per dollar you spend on:

  • grocery stores
  • Restaurants
  • Entertainment
  • Transportation

You can redeem your points for any travel purchases (flights, hotels, all-inclusive and even Airbnb).

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

The Best Scotiabank Cash Back Credit Card

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. Plus, you earn 10% cash back in the first three months.

After, with the Scotia Momentum® VISA Infinite* card, you earn:

  • 4% cash back on groceries and recurring bills
  • 2% cash back on gas and transit
  • 1% cash back on everything else

And this card has outstanding insurance.

The Best Scotiabank Credit Card For Balance Transfers

Scotiabank® Value VISA Card

The Scotiabank® Value Visa Card is one of the best credit cards for balance transfers in Canada.

You can get a 0.99% introductory interest rate on balance transfers for the first 6 months.

Besides, this credit card offers low-interest rates: 12.99% on purchases and cash advances.

The Best No Annual Fee Scotiabank Credit Card

Scotia Momentum® No-Fee VISA* Card

With the Scotia Momentum® No-Fee VISA* Card, you earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases)

With this no-fee credit card you earn:

  • 1% cash back on gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on everything else

Would you like more cash back? Consider the Scotia Momentum® VISA Infinite* card or Scotia Momentum® VISA* card.

The Best Scotiabank Credit card for Students

SCENE® VISA* Card

The SCENE® VISA* Card is perfect for students. You can earn 2,500 bonus SCENE points with your first $500 in everyday purchases in the first 3 months.

Enough to get free movie tickets!

The Best Scotiabank Credit Cards with no foreign exchange fees

The two best Scotiabank credit cards for travellers with no foreign exchange fee:

You will save 2.5% per transaction!

More offers from Scotiabank

You may be interested in these Scotiabank credit cards offers:

Frequent questions about Scotiabank credit cards

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 anywhere 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's credit card application checklist?

Scotiabank checks five criteria to approve you for a 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)

Which credit bureau does Scotiabank check?

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

How to get a credit card annual fee waiver from Scotiabank?

Scotiabank’s Ultimate Package is a banking package waiving the annual fee of the following credit cards: