Our Review: Which Scotia Business Credit Card Should You Choose?

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.

Features: Scotiabank Business Credit Cards

Scotiabank business credit cards are:

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.
• Six complimentary airport lounge visits per year.

Plus, you can redeem your Scene+ points to save on travel purchases.

Finally, note that this business card has an annual fee and a minimum income requirement.

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.

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.
• Free Visa* SavingsEdge membership
• 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.

ScotiaLine^® for business Visa* Credit Card: For Better Organizing and Tracking Your Business Expenses

The ScotiaLine^® for business Visa* Credit Card is a low-interest Visa credit card with no annual fee. With this Card, you get:

• Limit up to $500,000
• No additional cost for extended warranties on your purchases for up to 90 days
• Free supplementary cards and personalized cheques
• Flexible repayment terms

Plus, you get a 21-day interest-free grace period on new purchases. Finally, note that this business card has no annual fee.

Scotiabank Business Cards – Welcome Offers

Scotiabank Passport^® Visa Infinite Business* Card

Scotia Momentum^® for business Visa* Card

Scotia^® Home Hardware PRO Visa* Business Card

Receive up to 7,500 bonus Scene+ points in the first year (up to $75 in rewards).

ScotiaLine^® for business Visa* Credit Card

Introductory rate of 2.99% on balance transfers for the first six months.

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.