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:
- The best travel points credit cards
- The Best Scotiabank Cash Back Credit cards
- The Best Scotiabank Credit Cards with no foreign exchange fees
- The Best Scotiabank Credit card for Students
- The Best Scotiabank Credit Card For Balance Transfers
- The best Scotiabank Business credit cards
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 this welcome offer for the Scotiabank Passport Visa Infinite Card, you’ll receive up to 40,000 Scene+ points in welcome bonus (a $400 value):
- 30,000 points after $2,000 in purchases in the first three months
- 10,000 points after $40,000 in purchases in the first year
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, and 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:
- Grocery shopping
- Restaurants
- Entertainment centers
- Transit
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 :
- No fees for foreign currency transactions
- 6 access to VIP airport lounges
- Excellent insurance for your travels and purchases
- Concierge service
We voted this credit card the Best No FX Fee Credit Card of 2024 and 2025.
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No Foreign Transaction Fee
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Access to VIP Lounges
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Visa Infinite Benefits
Scotiabank Passport Visa Infinite Privilege Card
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):
- 30,000 points by making at least $3,000 in everyday eligible purchases in your first 3 months.
- 30,000 bonus Scene+ points when you spend at least $20,000 in everyday eligible purchases in your first 6 months.
- 20,000 bonus Scene+ points when you make at least one eligible purchase that is posted to your new Account during the 14th month after the month the Account was opened.
With the Scotiabank Passport Visa Infinite Privilege Card, you earn:
- 3X the Scene+ points for every $1 you spend on eligible travel purchases.
- 2X the Scene+ points for every $1 you spend on eligible dining and entertainment.
- 1X the Scene+ points for every $1 you spend on all other eligible purchases.
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.
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 Passport Visa Infinite Privilege Card also offers:
- No fees for foreign currency transactions
- 10 complimentary airport lounge visits per year
- $250 annual travel credit
- Excellent insurance for your travels and purchases
- Concierge service
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No Foreign Transaction Fee
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Access to VIP Lounges
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Visa Infinite Privilege Benefits
Scotiabank Gold American Express® Card
The Scotiabank Gold American Express® Card only requires a minimum income of $12,000, making it accessible to the greatest number of people.
Until July 1, 2025, you can earn up to 40 000 Scene+ points in welcome bonus, broken down as follows:
- 20,000 Scene+ points with $2,000 in net purchases in the first 3 months
- 20,000 Scene+ points by making $7,500 in purchases on the card in the first year
That’s $400 worth of travel (including Airbnb).
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:
- Grocery stores
- Restaurants
- Entertainment centers
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).
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5X points on groceries and dining
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No Foreign Transaction Fee
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American Express Online Promotional Offers
Scotiabank Platinum American Express® Card
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).
Best of April 2025
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No Foreign Transaction Fee
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Premium Insurance
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10 free access to VIP lounges
Scotiabank American Express® Card
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 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:
- Grocery stores
- Restaurants
- Entertainment centers
- Gas stations
- local transportation
- streaming services
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.
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% cash back 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).
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!
Best of April 2025
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4% cash back on groceries
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4% cash back on recurring payments
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Visa Infinite Benefits
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.
And you can get a 2.99% introductory interest rate with 0% fee on balance transfers for the first 6 months.
Scotiabank No Foreign Transaction Fees Credit Cards
The three best Scotia credit cards for travellers have no conversion fees for foreign currency transactions:
- Scotiabank Gold American Express® Card
- Scotiabank Passport™ Visa Infinite* Card
- Scotiabank Platinum American Express® Card
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.
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.
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No annual fee
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2X points at Scene+ grocery stores (IGA, Rachelle Béry, Sobeys, etc.)
Scotiabank Credit Cards for Balance Transfer
Scotiabank Value® Visa* Card
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.
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Reduced interest rate for cash advances
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Low-interest
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 get a 0% introductory rate on balance transfers for the first six months. A 2% fee applies to cash advances.
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No annual fee
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Reduced interest rate on balance transfers
Scotiabank Business Credit Cards
Scotiabank Passport Visa Infinite Business Card
With the Scotiabank Passport Visa Infinite* Business Card, you can earn up to 40,000 Scene+ points as a welcome bonus:
- 30,000 points after $5,000 in purchases during the first 3 months
- 10,000 points after $60,000 in purchases during the first 12 months
Plus, receive a rebate on the first year’s annual fee (a $199 value).
With the Scotiabank Passport Visa Infinite Business Card, you pay no conversion fees for foreign currency transactions.
You also get six free airport lounge visits a year.
Scotia Momentum® for business Visa* Card
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:
- 3% cash back at gas stations, restaurants and office supply stores
- 3% on recurring payments
- 1% on all other eligible purchases
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:
- Purchase Protection
- Extended warranty
The card also offers practical financial management tools for your business:
- Detailed expense reports
- Flexible payment options
- Interest-free grace period of up to 25 days
- Access to online statements
- Possibility of adding additional cards for your employees ($29 per card)
Scotia Home Hardware PRO Visa Business Card
With the Scotia® Home Hardware PRO Visa* Business Card, earn up to 7,500 Scene+ points in the first year (that’s up to $75 in rewards) by making at least $1,000 in purchases at Home Hardware within the first 3 months of card 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.
Awards earned
Here are the awards received in the Milesopedia ranking of the best credit cards in Canada in 2025:
Best Cash Back Credit Card According to the Milesopedia Community
The Scotiabank Gold American Express® Card is the Best Cash Back Credit Card According to the Milesopedia Community in 2025 for these reasons:
- 6 points per dollar at IGA or Sobeys and 5 points per dollar at other grocery stores
- Flexible Scene+ rewards program
- No Foreign Transaction Fee
- Full travel insurance
Best No-FX Fee Credit Card
The Scotiabank Passport™ Visa Infinite* Card is the Best No Foreign Conversion Fee Credit Card in 2025 in Canada for these reasons:
- No Foreign Transaction Fee
- 6 annual airport lounge visits
- Travel and purchase insurance
- Accepted at almost every retailer worldwide
Best Credit Card For Groceries
Scotiabank Gold American Express® Card is the Best Grocery Credit Card in Canada in 2025 for these reasons:
- 6 points per dollar at IGA or Sobeys and 5 points per dollar at other grocery stores
- Flexible rewards
- No Foreign Transaction Fee
- Full travel insurance
Best Credit Card For Recurring Payments
The Scotia Momentum® VISA Infinite* Card is the Best Credit Card for Recurring Payments in 2025 in Canada for these reasons:
- 4% cash back on groceries, bill payments and subscriptions
- 2% on gas and daily transit
- Travel and purchase insurance
- Accepted at almost every retailer worldwide
Best Low-Interest Credit Card
Scotiabank Value® Visa* Card is the Best Low-Interest Rate Credit Card in Canada in 2025 for these reasons:
- Low annual interest rate of 13.99% on purchases, cash advances and balance transfers
- Welcome interest rate of 0% for the first 10 months on cash advances
- Accepted at almost every retailer worldwide
Frequently Asked Questions
Here are some 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 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.
What is Scotiabank'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 is verified by Scotiabank?
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 credit cards through its Scene+ program:
- Scotiabank Passport™ Visa Infinite* Card
- Scotiabank® Scene+™ Visa* Card
- 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.
What are Scotiabank's cash back credit cards?
Scotiabank has several cash back credit cards:
- 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.
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 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.
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 Scotia credit card available?
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.
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 truly up to the demands of the 21st century.