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No Foreign Transaction Fee
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Premium Insurance
-
10 Complimentary Visits to VIP Lounges
Learn More
- Earn up to $2,100* in value in your first 14 months, including up to 60,000* bonus Scene+ points. Offer ends 31 Oct 2023.
- Earn 2X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions
- Earn 2X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more
- Earn 2X Scene+ points for every $1 spent on every other purchase
- You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies
- Enjoy 10 complimentary airport lounge passes per year
*Conditions apply.
Annual Fee
- Primary card $399
- Additional card $99
Annual Income Required
- Individual $12,000
- Household $12,000
Conversion fees
- 0.00 %
Interest Rates
- Purchase Rates 9.99 %
- Cash Advance Rates 9.99 %
- Balance Transfer Rates 9.99 %
Milesopedia Links
Earning Rate
- All Spending2Points
- Groceries2Points
- Gas2Points
Value
- Year 1 $1,081
- Year 2+ $481
Best For
Transfer Partners
- Scene+
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
31 day(s)
Travel medical insurance up to 64 years old
$2,000,000
31 day(s)
Travel medical insurance 65+
$2,000,000
10 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
{"main":{"value":"251","welcome_bonus":"Up to 60,000 Points","estimated_value":1000,"mc_welcome_bonus_amount":"60000","minimum_spending":"$10,000","minimum_spending_timeframe_months":"14 month(s)","best_for":[{"term_id":38932,"name":"Insurance","slug":"insurance","term_group":0,"term_taxonomy_id":38932,"taxonomy":"mc_best_for","description":"","parent":0,"count":12,"filter":"raw","term_order":"0"},{"term_id":38938,"name":"VIP lounges","slug":"lounges","term_group":0,"term_taxonomy_id":38938,"taxonomy":"mc_best_for","description":"","parent":0,"count":5,"filter":"raw","term_order":"0"},{"term_id":822,"name":"No conversion fees","slug":"no-conversion-fee","term_group":0,"term_taxonomy_id":822,"taxonomy":"mc_best_for","description":"","parent":0,"count":8,"filter":"raw","term_order":"0"},{"term_id":782,"name":"Travel","slug":"travel","term_group":0,"term_taxonomy_id":782,"taxonomy":"mc_best_for","description":"","parent":0,"count":38,"filter":"raw","term_order":"0"}],"annual_fee":"399","first_year_fee":false,"loyalty_slug":"sceneplus","card_slug":"scotiabank-platinum-american-express"},"advantages":{"has_lounge_access":true,"rewards_type":[{"term_id":46407,"name":"Low rate","slug":"low-interest","term_group":0,"term_taxonomy_id":46407,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":15,"filter":"raw","term_order":"0"},{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":63,"filter":"raw","term_order":"0"},{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":75,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":697,"name":"Scene+","slug":"sceneplus","term_group":0,"term_taxonomy_id":697,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":24,"filter":"raw","term_order":"0"},"rewards_groceries":"2","rewards_gas_stations":"2","rewards_restaurants":"2","rewards_travel":"2","rewards_recurring_payments":"2","rewards_allspending":"2","annual_credit":"","vip_salon":"400","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$99","mc_foreign_fee":"0.00%","mc_purchase_rates":"9.99%","mc_cash_advance_rates":"9.99%","mc_balance_transfer_rates":"9.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":true,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":true,"mc_mobile_device_insurance":true,"mc_purchase_protection":true,"mc_extended_warranty":true}}
Scotiabank® Gold American Express® Card
Up to 40,000 Points
Ends Oct 31, 2023
First year value : $861
Best of October 2023
-
5X points on groceries and dining
-
No Foreign Transaction Fee
-
American Express Online Promotional Offers
Learn More
Best credit card for families in 2023
- Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points.
- You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies
- 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.
- Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions
- Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more
- Earn 1X Scene+ point for every $1 spent on every other purchase
*Conditions apply.
Annual Fee
- Primary card $120
- Additional card $29
Annual Income Required
- Individual $12,000
- Household $12,000
Conversion fees
- 0.00 %
Interest Rates
- Purchase Rates 20.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
Earning Rate
- Groceries5Points
- Dining and Food delivery5Points
- Entertainment5Points
Value
- Year 1 $861
- Year 2+ $461
Best For
Transfer Partners
- Scene+
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
25 day(s)
Travel medical insurance up to 64 years old
$1,000,000
25 day(s)
Travel medical insurance 65+
$1,000,000
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$1,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
{"main":{"value":"400","welcome_bonus":"Up to 40,000 Points","estimated_value":400,"mc_welcome_bonus_amount":"40000","minimum_spending":"$7,500","minimum_spending_timeframe_months":"12 month(s)","best_for":[{"term_id":791,"name":"Entertainment","slug":"entertainment","term_group":0,"term_taxonomy_id":791,"taxonomy":"mc_best_for","description":"","parent":0,"count":12,"filter":"raw","term_order":"0"},{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":64,"filter":"raw","term_order":"0"},{"term_id":784,"name":"Dining","slug":"dining","term_group":0,"term_taxonomy_id":784,"taxonomy":"mc_best_for","description":"","parent":0,"count":33,"filter":"raw","term_order":"0"},{"term_id":822,"name":"No conversion fees","slug":"no-conversion-fee","term_group":0,"term_taxonomy_id":822,"taxonomy":"mc_best_for","description":"","parent":0,"count":8,"filter":"raw","term_order":"0"}],"annual_fee":"120","first_year_fee":false,"loyalty_slug":"sceneplus","card_slug":"scotiabank-gold-american-express-card"},"advantages":{"has_lounge_access":true,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":63,"filter":"raw","term_order":"0"},{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":75,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":697,"name":"Scene+","slug":"sceneplus","term_group":0,"term_taxonomy_id":697,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":24,"filter":"raw","term_order":"0"},"rewards_groceries":"5","rewards_gas_stations":"3","rewards_restaurants":"5","rewards_travel":"1","rewards_recurring_payments":"1","rewards_allspending":"1","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$29","mc_foreign_fee":"0.00%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":true,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":true,"mc_mobile_device_insurance":true,"mc_purchase_protection":true,"mc_extended_warranty":true}}
-
4% cash back on groceries
-
Visa Infinite Benefits
-
Learn More
- SPECIAL OFFER Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards. Offer ends 31 Oct 2023.
- Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
- Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
- Earn 1% cash back on all other purchases with no cash back limit.
*Conditions apply.
Annual Fee
- Primary card $120
- Additional card $50
Annual Income Required
- Individual $60,000
- Household $100,000
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
Milesopedia Links
Earning Rate
- Groceries4%
- Recurring Payments4%
- Telecom/Internet4%
Value
- Year 1 $848
- Year 2+ $408
Best For
Transfer Partners
- Cash back
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
15 day(s)
Travel medical insurance up to 64 years old
$1,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
{"main":{"value":"","welcome_bonus":"Up to $200 cash back","estimated_value":440,"mc_welcome_bonus_amount":"200","minimum_spending":"$2,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":794,"name":"Cellphone \/ Internet subscriptions","slug":"cell-internet","term_group":0,"term_taxonomy_id":794,"taxonomy":"mc_best_for","description":"","parent":0,"count":6,"filter":"raw","term_order":"0"},{"term_id":38932,"name":"Insurance","slug":"insurance","term_group":0,"term_taxonomy_id":38932,"taxonomy":"mc_best_for","description":"","parent":0,"count":12,"filter":"raw","term_order":"0"},{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":64,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":27,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":44,"filter":"raw","term_order":"0"},{"term_id":783,"name":"Daily transit","slug":"transit","term_group":0,"term_taxonomy_id":783,"taxonomy":"mc_best_for","description":"","parent":0,"count":16,"filter":"raw","term_order":"0"}],"annual_fee":"120","first_year_fee":true,"loyalty_slug":"cashback","card_slug":"scotia-momentum-visa-infinite-card"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":75,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cash back","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"},"rewards_groceries":"4","rewards_gas_stations":"2","rewards_restaurants":"1","rewards_travel":"1","rewards_recurring_payments":"4","rewards_allspending":"1","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$50","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":true,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":true,"mc_purchase_protection":true,"mc_extended_warranty":true}}
Featured
-
No Foreign Transaction Fee
-
Access to VIP Lounges
-
Visa Infinite Benefits
Learn More
Best credit card for snowbirds in 2023
- Earn up to $1,100+ in value in the first 12 months, including up to 35,000 bonus Scene+ points and first year annual fee waived on your first supplementary card.
- The only major bank credit card offering you no foreign transaction fees, including for shopping online or abroad
- Your Award Winning Card For Travel
- 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. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
- Earn 2 Scene+ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more)
- Earn 1 Scene+ point on every $1 you spend on all other eligible purchases.
*Conditions apply.
Annual Fee
- Primary card $150
- Additional card $0
Annual Income Required
- Individual $60,000
- Household $100,000
Conversion fees
- 0.00 %
Interest Rates
- Purchase Rates 20.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
Earning Rate
- Groceries2Points
- Dining and Food delivery2Points
- Local Transport2Points
Value
- Year 1 $747
- Year 2+ $397
Best For
Transfer Partners
- Scene+
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
25 day(s)
Travel medical insurance up to 64 years old
$1,000,000
25 day(s)
Travel medical insurance 65+
$1,000,000
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
{"main":{"value":"510","welcome_bonus":"Up to 35,000 Points","estimated_value":590,"mc_welcome_bonus_amount":"35000","minimum_spending":"$1,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":38932,"name":"Insurance","slug":"insurance","term_group":0,"term_taxonomy_id":38932,"taxonomy":"mc_best_for","description":"","parent":0,"count":12,"filter":"raw","term_order":"0"},{"term_id":791,"name":"Entertainment","slug":"entertainment","term_group":0,"term_taxonomy_id":791,"taxonomy":"mc_best_for","description":"","parent":0,"count":12,"filter":"raw","term_order":"0"},{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":64,"filter":"raw","term_order":"0"},{"term_id":38938,"name":"VIP lounges","slug":"lounges","term_group":0,"term_taxonomy_id":38938,"taxonomy":"mc_best_for","description":"","parent":0,"count":5,"filter":"raw","term_order":"0"},{"term_id":822,"name":"No conversion fees","slug":"no-conversion-fee","term_group":0,"term_taxonomy_id":822,"taxonomy":"mc_best_for","description":"","parent":0,"count":8,"filter":"raw","term_order":"0"},{"term_id":783,"name":"Daily transit","slug":"transit","term_group":0,"term_taxonomy_id":783,"taxonomy":"mc_best_for","description":"","parent":0,"count":16,"filter":"raw","term_order":"0"}],"annual_fee":"150","first_year_fee":false,"loyalty_slug":"sceneplus","card_slug":"scotiabank-passport-visa-infinite-card"},"advantages":{"has_lounge_access":true,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":63,"filter":"raw","term_order":"0"},{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":75,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":697,"name":"Scene+","slug":"sceneplus","term_group":0,"term_taxonomy_id":697,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":24,"filter":"raw","term_order":"0"},"rewards_groceries":"2","rewards_gas_stations":"1","rewards_restaurants":"2","rewards_travel":"1","rewards_recurring_payments":"1","rewards_allspending":"1","annual_credit":"","vip_salon":"240","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"0.00%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":true,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":true,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
-
No annual fee
-
American Express Online Promotional Offers
-
Learn More
- Earn up to 7,000 bonus Scene+ points within your first year (that’s up to $70 towards travel)
- 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. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
- Earn 2X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions
- Earn 2X Scene+ points for every $1 CAD spent on eligible entertainment, including movies, theatres and ticket agencies
- Earn 2X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more
- Earn 2X Scene+ points for every $1 CAD spent on eligible select streaming services
- Earn 1X Scene+ point for every $1 spent on every other purchase
Legal
*Conditions apply.
Annual Fee
- Primary card $0
- Additional card $0
Annual Income Required
- Individual $12,000
- Household $12,000
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 19.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
Earning Rate
- Groceries2Points
- Gas2Points
- Dining and Food delivery2Points
Value
- Year 1 $413
- Year 2+ $343
Best For
Transfer Partners
- Scene+
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
{"main":{"value":"50","welcome_bonus":"Up to 7,000 Points","estimated_value":70,"mc_welcome_bonus_amount":"7000","minimum_spending":"$5,000","minimum_spending_timeframe_months":"12 month(s)","best_for":[{"term_id":791,"name":"Entertainment","slug":"entertainment","term_group":0,"term_taxonomy_id":791,"taxonomy":"mc_best_for","description":"","parent":0,"count":12,"filter":"raw","term_order":"0"},{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":64,"filter":"raw","term_order":"0"},{"term_id":784,"name":"Dining","slug":"dining","term_group":0,"term_taxonomy_id":784,"taxonomy":"mc_best_for","description":"","parent":0,"count":33,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":44,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"sceneplus","card_slug":"scotiabank-american-express-card"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":63,"filter":"raw","term_order":"0"},{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":75,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":697,"name":"Scene+","slug":"sceneplus","term_group":0,"term_taxonomy_id":697,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":24,"filter":"raw","term_order":"0"},"rewards_groceries":"2","rewards_gas_stations":"2","rewards_restaurants":"2","rewards_travel":"1","rewards_recurring_payments":"1","rewards_allspending":"1","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"19.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":true,"mc_purchase_protection":true,"mc_extended_warranty":true}}
-
Balance Transfer Offer
Learn More
- Get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39). Offer ends 31 Oct 2023.
- Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments.
- Earn 1% cash back on all other eligible purchases.
*Conditions apply.
Annual Fee
- Primary card $39
- Additional card $15
Annual Income Required
- Individual $12,000
- Household $12,000
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 19.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
Earning Rate
- Groceries2%
- Gas2%
- Drugstores2%
Value
- Year 1 $321
- Year 2+ $321
Best For
Transfer Partners
- Cash back
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
{"main":{"value":"","welcome_bonus":"Get 0% interest for up to 6 months on balance transfers","estimated_value":0,"mc_welcome_bonus_amount":"","minimum_spending":"","minimum_spending_timeframe_months":"","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":64,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":27,"filter":"raw","term_order":"0"},{"term_id":38931,"name":"Balance Transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":38931,"taxonomy":"mc_best_for","description":"","parent":0,"count":13,"filter":"raw","term_order":"0"}],"annual_fee":"39","first_year_fee":false,"loyalty_slug":"cashback","card_slug":"scotia-momentum-visa-card"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":75,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cash back","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"},"rewards_groceries":"2","rewards_gas_stations":"2","rewards_restaurants":"1","rewards_travel":"1","rewards_recurring_payments":"2","rewards_allspending":"1","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$15","mc_foreign_fee":"2.5%","mc_purchase_rates":"19.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
-
No annual fee
-
2X points in Scene+ grocery stores (IGA, Rachelle Béry, Sobeys, etc.)
Learn More
- Earn 5,000 Scene+ Points in your first year.
- You’ll earn 2X Scene+ points for each dollar charged to your account on all eligible purchases1 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. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
- Earn 2x Scene+ points for every dollar in credit card purchases at Home Hardware
- Earn 2x Scene+ points for every $1 you spend on credit card purchases at Cineplex™ theatres or at cineplex.com
- Earn 1 Scene+ point for every $1 you spend on your everyday credit card purchases
- Redeem Scene+™* points for travel, shopping, entertainment, dining, banking, and more.
*Conditions apply.
Annual Fee
- Primary card $0
- Additional card $0
Annual Income Required
- Individual $12,000
- Household $12,000
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 19.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
Earning Rate
- Groceries2Points
- All Spending1Point
- Gas1Point
Value
- Year 1 $315
- Year 2+ $240
Best For
Transfer Partners
- Scene+
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
{"main":{"value":"50","welcome_bonus":"5,000 Points","estimated_value":50,"mc_welcome_bonus_amount":"5000","minimum_spending":"$750","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":791,"name":"Entertainment","slug":"entertainment","term_group":0,"term_taxonomy_id":791,"taxonomy":"mc_best_for","description":"","parent":0,"count":12,"filter":"raw","term_order":"0"},{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":64,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"sceneplus","card_slug":"scene-visa-card"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":63,"filter":"raw","term_order":"0"},{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":75,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":697,"name":"Scene+","slug":"sceneplus","term_group":0,"term_taxonomy_id":697,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":24,"filter":"raw","term_order":"0"},"rewards_groceries":"2","rewards_gas_stations":"1","rewards_restaurants":"1","rewards_travel":"1","rewards_recurring_payments":"1","rewards_allspending":"1","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"19.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":false,"mc_extended_warranty":false}}
-
No annual fee
-
Reduced interest rate on balance transfers
Learn More
- Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0). Offer ends 31 Oct 2023.
- Get up to 1% cash back on eligible purchases with no annual fee.
*Conditions apply.
Annual Fee
- Primary card $0
- Additional card $0
Annual Income Required
- Individual $12,000
- Household $12,000
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 19.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
Earning Rate
- Groceries1%
- Gas1%
- Drugstores1%
Value
- Year 1 $280
- Year 2+ $180
Best For
Transfer Partners
- Cash back
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
{"main":{"value":"100","welcome_bonus":"Up to $100 cash back","estimated_value":160,"mc_welcome_bonus_amount":"100","minimum_spending":"$2,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":64,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":27,"filter":"raw","term_order":"0"},{"term_id":38931,"name":"Balance Transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":38931,"taxonomy":"mc_best_for","description":"","parent":0,"count":13,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"cashback","card_slug":"scotia-momentum-no-fee-visa-card"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":75,"filter":"raw","term_order":"0"},{"term_id":46408,"name":"Balance Transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":46408,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":13,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cash back","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"},"rewards_groceries":"1","rewards_gas_stations":"1","rewards_restaurants":"0.5","rewards_travel":"0.5","rewards_recurring_payments":"1","rewards_allspending":"0.5","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"19.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":false,"mc_extended_warranty":false}}
-
Reduced interest rate on balance transfers
-
Low-interest
Learn More
- 0% introductory interest rate on Balance Transfers for the first 6 months (12.99% after that; annual fee $29). Plus no annual fee in the first year. Offer ends 31 Oct 2023.
- Save up to hundreds of dollars a year on interest
- Low interest rate of 12.99%
- Pay down higher interest rate balances faster
- Transfer higher rate balances and save even more
*Conditions apply.
Annual Fee
- Primary card $29
- Additional card $0
Annual Income Required
- Individual $12,000
- Household $12,000
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 12.99 %
- Cash Advance Rates 12.99 %
- Balance Transfer Rates 12.99 %
Value
- Year 1 $0
- Year 2+ $-29
Best For
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
{"main":{"value":"","welcome_bonus":"Get 0% interest for up to 6 months on balance transfers","estimated_value":29,"mc_welcome_bonus_amount":"","minimum_spending":"","minimum_spending_timeframe_months":"","best_for":[{"term_id":38930,"name":"Low Interest","slug":"low-interest-rates","term_group":0,"term_taxonomy_id":38930,"taxonomy":"mc_best_for","description":"","parent":0,"count":13,"filter":"raw","term_order":"0"},{"term_id":38931,"name":"Balance Transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":38931,"taxonomy":"mc_best_for","description":"","parent":0,"count":13,"filter":"raw","term_order":"0"}],"annual_fee":"29","first_year_fee":true,"loyalty_slug":false,"card_slug":"scotiabank-value-visa-card"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":46407,"name":"Low rate","slug":"low-interest","term_group":0,"term_taxonomy_id":46407,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":15,"filter":"raw","term_order":"0"},{"term_id":46408,"name":"Balance Transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":46408,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":13,"filter":"raw","term_order":"0"}],"loyalty_program":false,"rewards_groceries":"0.00","rewards_gas_stations":"0.00","rewards_restaurants":"0.00","rewards_travel":"0.00","rewards_recurring_payments":"0.00","rewards_allspending":"0.00","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"12.99%","mc_cash_advance_rates":"12.99%","mc_balance_transfer_rates":"12.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":false,"mc_extended_warranty":false}}
-
No annual fee
-
Accepted at Costco
-
Learn More
- 7.99% introductory interest rate on purchases for the first 6 months (20.99% after that)1
- Cash back on everyday spending with no annual fee
- 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
- 0.5% cash back on all other eligible everyday purchases
Legal
*Conditions apply.
Annual Fee
- Primary card $0
- Additional card $0
Annual Income Required
- Individual $12,000
- Household $12,000
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates —
Earning Rate
- Groceries1%
- Gas1%
- Drugstores1%
Value
- Year 1 $180
- Year 2+ $180
Best For
Transfer Partners
- Cash back
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
{"main":{"value":"","welcome_bonus":"No Welcome Offer","estimated_value":0,"mc_welcome_bonus_amount":"","minimum_spending":"","minimum_spending_timeframe_months":"","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":64,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":27,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"cashback","card_slug":"scotia-momentum-mastercard"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":75,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cash back","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"},"rewards_groceries":"1","rewards_gas_stations":"1","rewards_restaurants":"0.5","rewards_travel":"0.5","rewards_recurring_payments":"1","rewards_allspending":"0.5","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":false,"mc_extended_warranty":false}}
Credit card