Scotiabank offers banking solutions for small businesses, self-employed individuals, and professionals. In this article, we take a look at the four Scotiabank business credit cards and their main benefits.
Scotia Business Card – Who Are Business Cards For?
In many cases, small business owners and self-employed individuals use their personal credit cards to cover business expenses. Not only can it be challenging to separate business expenses from personal spending at the end of the year, but you may also miss out on valuable business credit card benefits.
Scotiabank business credit cards stand out from business cards that are often reserved for large corporations. They are designed for small businesses, self-employed individuals, and professionals.
On the Scotiabank website, you can use the “Small Business Solution Generator” to find products and services that meet your business needs.
Among these four Scotiabank business credit cards, two are Scène+ cards, one is a cash back card, and one is a low rate card. In addition, two of these business credit cards have no annual fee. Here’s more information on each of them.
Scotiabank Passport® Visa Infinite Business* Card: For Travellers
Do you want to earn Scene+ points on your business purchases and avoid foreign transaction fees on purchases made outside Canada, especially when you travel? If so, then the Scotiabank Passport® Visa Infinite Business* Card is the right choice for you!
With this Card:
Earn 1.5X Scene+ points for every dollar spent on business purchases (gas, office supplies, restaurants, travel, and more).
No Foreign Transaction Fees whether you make purchases online or outside of Canada.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$400Total$400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With the Scotiabank PassportMD Visa Infinite Business* Card, you can get up to 40,000 Scene+ points as a welcome bonus ($199 annual fee, waived in the first year for eligible professionals and clients only):
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
With the Scotiabank PassportMD Visa Infinite Business* Card, you pay no foreign transaction fees.
Additionally, you receive six complimentary annual airport lounge accesses worldwide.
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*Conditions apply. Rates, fees, and other information are effective as of February 2, 2026. Subject to change.
Annual fee
Primary card$199
Additional card$0
Annual income required
Individual$60,000
Household$100,000
Conversion fees
0%
Earning rate
1.5xAll spending
Value
1st Year Value$407
2nd Year Value$401
Card benefits
Airport lounge access$240
Travel insurance
Travel medical (under 55)Included
Travel medical (55-64)Included
Travel medical (65+)Included
Trip CancellationUp to $2,500
Trip InterruptionUp to $2,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days
Scotia Momentum® for business Visa* Card: For Office Supply Purchases
Do you want to earn cash back on your business purchases and get high rewards for spending at office supply stores, gas stations, and restaurants? If so, then the Scotia Momentum® for Business Visa* Card is the right choice for you!
With this Card, you get:
Earn 3% cash back on purchases at gas stations, restaurants, office supply stores, and on recurring payments.
Earn 1% cash back on all other eligible everyday business purchases.
Plus, you get a 25-day interest-free grace period on new purchases and a comprehensive suite of protections.
Finally, note that this business card has an annual fee.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$325Total$325Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
The Scotia Momentum for business Visa Card is one of the best cash back options for business owners in Canada.
Welcome offer: earn 5% cash back on your first $6,500 in eligible purchases in the first 3 months.
You can earn up to 3%cash backon 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)
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*Conditions apply. Rates, fees and other information are effective as of Oct 31, 2025. Subject to change.
Annual fee
Primary card$79
Additional card$29
Conversion fees
2.5%
Earning rate
3xOffice
3xRestaurants
3xGas
3xBills & recurring payments
1xAll spending
Value
1st Year Value$714
2nd Year Value$264
Travel insurance
Travel medical (under 55)Included
Travel medical (55-64)Included
Travel medical (65+)Included
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days
Scotia® Home Hardware PRO Visa* Business Card: For Construction and Renovation Contractors
Do you want to earn Scene+ points on your business purchases at Home Hardware stores? If so, then the Scotia® Home Hardware PRO Visa* Business Card is ideal for earning rewards and managing your business.
With this Card, you get:
Earn 1 Scene+ point for every $1 in eligible business purchases at Home Hardware.
No annual fee for the main card and additional cards
Credit limit of up to $500,000
Competitive interest rate linked to Scotiabank prime rate
You can use your credit card at any retailer where Visa is accepted.
Enjoy a 21-day interest-free grace period on your new purchases, making it easier to manage your cash flow.
Save up to 25% off the base car rental rate (in Canada and the United States).
Purchase Security Extended Warranty Protection
Plus, you can redeem your Scene+ points for valuable business rewards: business travel, office renovations, entertainment, grocery purchases, gift cards from over 60 retailers, tech products, and even statement credits.
Finally, note that this is a business card with no annual fee.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With the Scotia Home Hardware PRO Visa* Business Card, you can earn up to 15,000 bonus Scene+ points in the first year (that’s up to $150 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.
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*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.
Additional 3¢/L at Shell (limited time)
Additional 3¢/L Fuel Discount Offer: Offer valid from October 5, 2026 to December 31, 2026 (“Promotional Period”), eligible Scotiabank credit and debit cardholders enrolled in the Shell Fuel Benefits Program who have linked an eligible Scotiabank payment card (an “Eligible Card”) to their Shell Go+ account will receive an additional instant fuel discount of 3 cents per litre on eligible fuel purchases at participating Shell-branded retail locations in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, and the Northwest Territories (the “Eligible Provinces”) excluding Shell Flying J locations. Fuel purchases made outside the Eligible Provinces are not eligible for this offer.
To receive the additional fuel discount, customers must pay with their linked Eligible Card at the time of purchase.
The additional fuel discount is in addition to the fuel savings available through the Shell Fuel Benefits Program and may be combined with other eligible fuel discounts, rewards programs, and promotional fuel offers unless otherwise stated in the applicable offer terms and conditions.
The additional fuel discount is available on up to 1,000 litres of eligible fuel purchases per calendar month for each Eligible Card. The 1,000-litre limit resets at the beginning of each calendar month.
The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.
The ScotiaLine for business Visa Card combines a Visa credit card and a business line of credit, with no annual fee. It gives businesses a flexible source of financing, with a limit of up to $500,000, to manage their expenses and cash flow.
The card offers flexible repayment terms, a 21-day interest-free grace period, free supplementary cards and personalized cheques, as well as extended warranty coverage at no additional cost on your purchases for up to 90 days.
The applicable interest rate is set based on the business profile.
Legal
*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$400Total$400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With the Scotiabank PassportMD Visa Infinite Business* Card, you can get up to 40,000 Scene+ points as a welcome bonus ($199 annual fee, waived in the first year for eligible professionals and clients only):
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
With the Scotiabank PassportMD Visa Infinite Business* Card, you pay no foreign transaction fees.
Additionally, you receive six complimentary annual airport lounge accesses worldwide.
Legal
*Conditions apply. Rates, fees, and other information are effective as of February 2, 2026. Subject to change.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$325Total$325Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With the Scotia Home Hardware PRO Visa* Business Card, you can earn up to 15,000 bonus Scene+ points in the first year (that’s up to $150 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.
Legal
*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.
Additional 3¢/L at Shell (limited time)
Additional 3¢/L Fuel Discount Offer: Offer valid from October 5, 2026 to December 31, 2026 (“Promotional Period”), eligible Scotiabank credit and debit cardholders enrolled in the Shell Fuel Benefits Program who have linked an eligible Scotiabank payment card (an “Eligible Card”) to their Shell Go+ account will receive an additional instant fuel discount of 3 cents per litre on eligible fuel purchases at participating Shell-branded retail locations in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, and the Northwest Territories (the “Eligible Provinces”) excluding Shell Flying J locations. Fuel purchases made outside the Eligible Provinces are not eligible for this offer.
To receive the additional fuel discount, customers must pay with their linked Eligible Card at the time of purchase.
The additional fuel discount is in addition to the fuel savings available through the Shell Fuel Benefits Program and may be combined with other eligible fuel discounts, rewards programs, and promotional fuel offers unless otherwise stated in the applicable offer terms and conditions.
The additional fuel discount is available on up to 1,000 litres of eligible fuel purchases per calendar month for each Eligible Card. The 1,000-litre limit resets at the beginning of each calendar month.
The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.
The ScotiaLine for business Visa Card combines a Visa credit card and a business line of credit, with no annual fee. It gives businesses a flexible source of financing, with a limit of up to $500,000, to manage their expenses and cash flow.
The card offers flexible repayment terms, a 21-day interest-free grace period, free supplementary cards and personalized cheques, as well as extended warranty coverage at no additional cost on your purchases for up to 90 days.
The applicable interest rate is set based on the business profile.
Legal
*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.
Annual fee
Primary card$0
Additional card$0
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
How Do I Redeem My Scene+ Points?
You can redeem them for travel expenses, at Sobeys grocery stores (IGA, Foodland, Safeway, etc.), Home Hardware stores, restaurant meals, etc.
Can I get Additional Business Cards for My Employees?
Yes, it’s possible!
For example, some cards may offer the first supplementary card for free and charge $50 for each additional card, while others provide all supplementary cards at no extra cost.
Which Scotia business card has the strongest cash back program?
The Scotia Momentum for Business Visa Card leads on category cashback, paying 3% on gas, restaurants, office supplies, and recurring payments, plus 1% on every other purchase. For incorporated businesses with predictable monthly expenses such as fuel cards, software subscriptions, and team meals, the 3% return on the first $25,000 of qualifying spend produces up to $750 annually in pure cashback. The Scotia Passport Visa Infinite Business earns Scene+ points instead, which can deliver higher value on travel redemptions but offers less predictability for businesses focused on direct expense reduction.
Is the Scotia Passport Visa Infinite Business worth it for a small business owner who travels?
Yes, especially because it has no foreign transaction fees, which alone saves 2.5% on every U.S. or international purchase, plus six complimentary airport lounge visits per year through Visa Airport Companion. Earning 1.5 Scene+ points per dollar on every business purchase delivers a roughly 1.5% return when redeemed for travel, and 2 points per dollar on Scene+ partners and travel adds another bump. For a small business owner who travels 4 to 8 times per year, the lounge access plus FX savings alone typically exceed the annual fee within the first year of ownership.
Can my employees get supplementary cards on a Scotia business credit card?
Yes, all four Scotia business credit cards allow you to issue supplementary cards to employees, with customizable individual spending limits managed through Visa Spend Clarity for Business. The Scotia Home Hardware PRO and ScotiaLine for Business explicitly waive supplementary card fees, while the Momentum for Business and Passport Visa Infinite Business charge a small annual fee per additional card. Each employee card earns rewards or cashback that pool back into the primary account, simplifying both expense tracking and rewards accumulation across your team.
Which Scotia business card is best for contractors using Home Hardware regularly?
The Scotia Home Hardware PRO Visa Business Card is purpose-built for the trades, with no annual fee, a credit limit up to $500,000, and 1 Scene+ point per dollar on Home Hardware purchases. The 7,500-point welcome bonus, worth $75 in Scene+ value, sweetens the deal with no minimum spend other than activation. For contractors and renovation businesses where Home Hardware accounts for 30% or more of their material spend, this card pairs naturally with the Momentum for Business as a category strategy, capturing 3% on gas and restaurants while still earning at Home Hardware.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$400Total$400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With the Scotiabank PassportMD Visa Infinite Business* Card, you can get up to 40,000 Scene+ points as a welcome bonus ($199 annual fee, waived in the first year for eligible professionals and clients only):
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
With the Scotiabank PassportMD Visa Infinite Business* Card, you pay no foreign transaction fees.
Additionally, you receive six complimentary annual airport lounge accesses worldwide.
Legal
*Conditions apply. Rates, fees, and other information are effective as of February 2, 2026. Subject to change.
Annual fee
Primary card$199
Additional card$0
Annual income required
Individual$60,000
Household$100,000
Conversion fees
0%
Earning rate
1.5xAll spending
Value
1st Year Value$407
2nd Year Value$401
Card benefits
Airport lounge access$240
Travel insurance
Travel medical (under 55)Included
Travel medical (55-64)Included
Travel medical (65+)Included
Trip CancellationUp to $2,500
Trip InterruptionUp to $2,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days
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