Best Scotiabank credit cards | July 2026

Q: What are Scotiabank's cash back credit cards?

Scotiabank has several cash back credit cards:- Scotia Momentum® VISA Infinite* Card; - Scotia Momentum® VISA* Card; - Scotia Momentum® No-Fee VISA* Card; - Scotia Momentum® Mastercard®; 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.

Q: 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 American Express® Card; - Scotiabank Gold American Express® Card; - Scotiabank Platinum American Express® Card; We recommend the Scotiabank Gold American Express® Card, which offers travel points or cash back (for your groceries at IGA, for example). Indeed, you earn up to 5 points per dollar on 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 DragonPass membership and 10 annual DragonPass airport lounge visits. 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.

The Best Scotiabank Credit Cards - July 2026

Looking for the best Scotiabank credit cards? Scotiabank offers one of the most comprehensive ranges of credit cards in Canada: Scene+ travel points, cash back, no foreign transaction fee cards, as well as student and business cards. On this page, you can compare all Scotiabank credit cards side-by-side, with up-to-date welcome offers, to quickly find the one that fits your spending habits.

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 Visa Infinite ^+* Passport^MC Card, you get up to 60,000 Scene+ points as a welcome bonus (a value of $600):

40,000 points after $2,000 in purchases within the first three months
10,000 points after $10,000 in purchases within the first six 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, which represents a $100 value.

With the Scotiabank Visa Infinite +* Passport^MD Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

You also earn 2 points per dollar spent, including on foreign purchases, in the following categories:

Grocery shopping
Restaurants
Entertainment centers
Transit

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

These points can be used for any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusive packages, and even Airbnb). You can also redeem your points as cash back with Scene+, for example, at your grocery store checkout at the same rate of 1,000 points = $10.

The Scotiabank Visa Infinite +* Passport^MD Card also offers:

No fees for foreign currency transactions
6 access to VIP airport lounges
Excellent insurance for your travels and purchases
Concierge service
Travel with confidence with 10 GB of free GigSky global mobile data for 15 days, plus access to GigSky Travel Essentials for essential apps on the go.
Cardholders also receive a free 1 GB/15-day GigSky global mobile data package annually, plus a 20% discount on future GigSky purchases.

We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.

Scotiabank Gold American Express^® Card

The Scotiabank Gold American Express Card offers an excellent welcome bonus.

Until July 1, 2026, you can get up to 45,000 Scene+ points as a bonus, distributed as follows:

25,000 Scene+ points by spending $2,000 on the card within the first 3 months
20,000 Scene+ points by making $7,500 in purchases on the card in the first year

This represents a value of up to $450 for 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 par IGA, Voilà by Safeway, Chalo! grocery stores. 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 transaction fees, excellent insurance for your travel or purchases, concierge service, exclusive American Express benefits like the Front of the Line program.

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).

Scotiabank Passport^® Visa Infinite Privilege* Card

With this welcome offer for the Scotia Passport Visa Infinite Privilege Card, you can earn up to 80,000 bonus Scene+ points (a $800 value):

30,000 points by making at least $3,000 in everyday eligible purchases in your first 3 months.
30,000 points after $20,000 in purchases in the first six months
20,000 points by making an eligible purchase in the 14th month after account opening

With the Scotiabank Passport Visa Infinite Privilege Card, you earn:

3X Scene+ points for every $1 in eligible travel purchases
2X Scene+ points for every $1 in eligible purchases at dining and entertainment establishments
1X Scene+ points for every dollar spent 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 of 1,000 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

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 10,000 points in the first three months, which represents a $100 value for travel (including Airbnb) :

2,500 Scene+ points after $250 spent in the first three months
7,500 Scene+ points after $1000 spent in the first three months

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. Milesopedia has even named it best cash back credit card in 2026.

Currently, thanks to this promotional offer, the Scotia Momentum Visa Infinite+ Card has no annual fee for the first year, including on additional cards. And you can get 15% cash back on all your purchases for the first three months (up to $2,000 in total purchases).

It also includes a new convenient benefit for travellers: enjoy 10 GB of free GigSky global mobile data for 15 days, as well as access to Travel Essentials to use essential apps like messaging, maps, and email while on the go. Cardholders also continue to receive 1 GB of free GigSky mobile data per year, plus a 20% discount on future GigSky purchases.

With the Scotia Momentum^® VISA Infinite+ card, you get:

4% cash back on grocery purchases and recurring payments
2% cash back on gas purchases, public transit, carpooling, and food delivery
1% cash back on all other purchases

For example, if you spend $1,000 per month on grocery purchases and/or recurring payments, you will get $40 cash back per month, or $480 per year, with this card, for this purchase category. And that’s not counting the other purchases you make with this card and the benefits it offers (including its excellent insurance coverage).

If you are a renter, you could, for example, use the Scotia Momentum Visa Infinite Card on the Chexy site to pay your rent and get 4% cash back.

Also note that you can use your cash back at any time (the cash back balance must be at least $25).

Scotia Momentum^® Visa* Card

The Scotiabank Momentum Visa Card is an excellent cash back credit card in Canada.

With the Scotiabank Momentum Visa Card, you get:

2% cash back on purchases at grocery stores and drugstores, and on meal delivery services and meal kit subscriptions
2% cash back on gas, electric vehicle charging, and public transit such as bus, taxi, and rideshare trips
2% cash back on eligible recurring bill payments such as utilities and fitness club memberships
2% cash back on eligible subscriptions such as video streaming services or music streaming
1% cash back on all other eligible purchases

It is a very good Visa credit card for cash back. Also note that you can use your cash back at any time (the cash back balance must be at least $25).

Plus, you can benefit from an introductory rate of 2.99% with 0% fees on balance transfers for the first six months.

Scotiabank No Foreign Transaction Fees Credit Cards

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!

Scotiabank Student Credit Cards

Scotiabank^® 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 do not wish to pay annual fees.

For a limited time, you can get up to 10,000 Scene+ points after spending $1,000 in the first three months. This is enough to give you $100 towards travel or your grocery purchases.

With the Scotiabank^® Scene+™ Visa* Card, you get 2 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! grocery stores. 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.

Scotiabank Credit Cards for Balance Transfer

Scotia Momentum^® No-Fee Visa* Card

The Scotiabank Momentum No Annual Fee Visa Card is an excellent cash back credit card in Canada. Right now, you can get 10% cash back on all your purchases for the first three months (up to $2,000 in total purchases).

With the Scotiabank Momentum No Annual Fee Visa Card, you get:

1% cash back on purchases at grocery stores and pharmacies, as well as on meal delivery services and subscriptions to ready-to-cook meal services
1% cash back on gas, electric vehicle charging, and public transit such as bus, taxi, and ridesharing trips
1% cash back on eligible recurring bill payments such as utilities and gym memberships
1% cash back on eligible subscriptions such as video streaming or music streaming services
0.5% cash back on all other eligible purchases

It is an excellent no annual fee Visa credit card for cash back. Also note that you can use your cash back at any time (the cash back balance must be at least $25).

In addition, you can benefit from an introductory rate of 0% on balance transfers for the first six months. A 2% fee applies to cash advances.

Scotiabank Business Credit Cards

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 on eligible purchases at gas stations, restaurants, office supply stores, and electric vehicle charging stations
2% cash back on eligible shipping services and accounting or bookkeeping services, as well as on eligible recurring bill payments
1% cash back on all other eligible purchases

Also note that you can use your cash back at any time (the cash back balance must be at least $25).

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, 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.

Awards Earned

Here are the awards received in the Milesopedia ranking of the best credit cards in Canada in 2026:

Best Cash Back Credit Card According to the Milesopedia Community

The Best Scotiabank Credit Cards - May 2026 - 2025 Milesopedia Awards Best Credit Card Community Cash Back

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 Best Scotiabank Credit Cards - May 2026 - 2025 Milesopedia Awards Best Credit Card No Foreign Transaction Fees

The Scotiabank Passport™ Visa Infinite* Card is the best no foreign conversion fee credit card in 2026 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

The Best Scotiabank Credit Cards - May 2026 - 2025 Milesopedia Awards Best Credit Card Grocery

The Scotiabank Gold American Express^® Card is the best credit card for groceries in 2026 in Canada 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 Best Scotiabank Credit Cards - May 2026 - 2025 Milesopedia Awards Best Credit Card Recurring Payments

The Scotia Momentum^® Visa Infinite* Card is the best credit card for recurring payments in 2026 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

The Best Scotiabank Credit Cards - May 2026 - 2025 Milesopedia Awards Best Credit Card Low Interest Rate

The Scotiabank Value^® Visa* Card is the best low-interest rate credit card in 2026 in Canada 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 to 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:

To learn more about Scotiabank’s Ultimate Package, read this post.

What are Scotiabank travel points credit cards?

Scotiabank offers several Travel credit cards through its Scene+ program:

The Scotiabank Passport™ Visa Infinite+ Card is one of Scotiabank’s best travel rewards credit cards. It offers 6 complimentary annual airport lounge visits and has no foreign transaction fees.

What are Scotiabank’s cash back credit cards?

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.

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:

We recommend the Scotiabank Gold American Express^® Card, which offers travel points or cash back (for your groceries at IGA, for example). Indeed, you earn up to 5 points per dollar on 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 DragonPass membership and 10 annual DragonPass airport lounge visits.

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 Scotia Momentum^® Mastercard^®. You can use it at Costco, like 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.

Conclusion

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.