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Scotiabank Credit Cards

Scotiabank offers cash back, rewards, low interest, travel, student and no annual fee credit card options to suit your spending habits.

As one of the “Big Five” banks in Canada, Scotiabank offers a range of credit cards to banking customers. Whether you’re looking for rewards in the form of cash back or points per dollar spent, or you’re looking to save money with a low rate, no annual fee or student credit card, Scotiabank has you covered.

Depending on your spending habits, you can select a credit card that allows you to reap rewards from your spending and receive benefits like points, insurances or cash back dollars that you can use.

Here’s a rundown of the different types of Scotiabank credit cards on offer, as well as the benefits and rewards that each card provides. We also cover the eligibility requirements, how to apply and frequently asked questions about credit cards.

Compare Scotiabank credit cards for 2019

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Get 15,000 bonus Scotia Rewards points with min. spend of $1,000 within the first 3 months. Ends 30 June 2019.
19.99%
22.99%
$99
Earn 4 Scotia Rewards points per $1 on the first $50,000 annual spend on eligible purchases.
Offers a 0.99% introductory interest rate on balance transfers with 0% transfer fee for the first 6 months. Ends 30 June 2019.
12.99%
12.99%
$29
Save on interest by consolidating your higher-rate balances and enjoy a low 12.99% purchase interest rate.
Offers a 3.99% introductory interest rate on balance transfers with 0% transfer fee for the first 6 months. Ends June 30, 2019.
16.99%
16.99%
$0
Save with a low interest rate and no annual fee.
Get 30,000 bonus Scotia Rewards points with min. spend of $1,000 in the first 3 months. Ends June 30, 2019.
19.99%
22.99%
$139
Earn 2 Scotia Rewards points per $1 spent on eligible purchases. Plus, an extra 10,000 points with a min. annual spend of $40,000 on your card.
Get 2,500 bonus SCENE points with min. spend of $500 in the first 3 months. Ends 30 June 2019.
19.99%
22.99%
$0
Save with no annual fee and earn 1 SCENE point for every $1 spent on all purchases.
Receive a 7.99% introductory interest rate on all spend for the first six months. Ends 30 June 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Get 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments.
Get 10% cash back on purchases with min. spend of $2,000 in the first three months. Ends 30 June 2019.

19.99%
22.99%
$0 annual fee for the first year ($99 thereafter)
Save with no annual fee for the first year.
Receive 30,000 bonus Scotia Rewards points upon first eligible purchase within the first two months. Ends 30 June 2019.
19.99%
22.99%
$399
Earn 4x Scotia Rewards points per $1 spent at grocery stores, gas stations, dining and entertainment purchases.
No available introductory offer.
17.99%
17.99%
$0
Get up to 5% in GM Earnings on your initial spend of $5,000 in the first year.
Get 5,000 bonus Scotia Rewards points with min. spend of $500 on eligible purchases within the first 3 months. Ends 30 June 2019.
19.99%
22.99%
$0
Earn 1 Scotia Rewards point per $1 spent on eligible purchases.
Waived annual fee for the first year of membership. Ends 30 June 2019.
19.99%
22.99%
$0 annual fee for the first year ($79 thereafter)
Get up to 5% in GM Earnings upon initial spend of $10,000 in the first year and 2% subsequently.
Offers a 7.99% introductory interest rate on all spend for the first 6 months. Ends 30 June 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
Receive 5,000 bonus Scotia Rewards points upon first eligible purchase within the first 2 months. Ends 30 June 2019.
19.99%
22.99%
$110
Get 5% cash back on travel purchases via Scotia Rewards Travel Service and earn 1 Scotia Rewards point for every $1 spent on daily purchases.
Offers a 2.99% introductory balance transfer rate for the first 6 months. Ends 30 June 2019.
19.99%
22.99%
$39
2% cash back on eligible gas stations, grocery and drug store purchases including recurring payments. T&C's apply.

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Types of Scotiabank credit cards available

Scotiabank offers a variety of credit cards, including rewards, travel, no annual fee, low interest rate, student and cash back credit cards. Here’s a summary of each of the main types of credit cards you can choose from that are available at Scotiabank:

  • Travel Rewards credit cards
  • Cash back Rewards credit cards
  • Rewards credit cards
  • No Annual Fee credit cards
  • Low Interest Rate credit cards
  • Student credit cards
  • US dollar credit cards

The benefits of banking with Scotiabank

Some of the features you can enjoy with a Scotiabank credit card include:

  • Scotiabank rewards

With a Scotiabank credit card, you typically earn 1 point per $1-2 spent on your credit card. You can then use your Scotiabank rewards points to purchase merchandise through the online store or use them toward travel related products or services. Cash back Rewards cards offer up to 10% cash back on eligible purchases.

  • Scotiabank Internet and mobile banking

If you have a Scotiabank credit card, you can access your account through the secure Scotia OnLine banking link located on the website. Furthermore, you can download the Scotiabank app to your smartphone and access your accounts that way too. With these convenient options, you can manage your account, pay bills, send transfers to other accounts in Canada and overseas, request a credit limit increase or apply for another Scotiabank product at any time online or via the handy mobile app.

  • Scotiabank credit card complimentary extras

Most Scotiabank credit cards come with purchase security and extended warranty protection. Premium cards, including black, gold and platinum credit cards, come with additional complimentary extras which may include travel insurance, car rental and collision insurance, airport lounge access, concierge services and other luxury travel benefits.

  • Scotiabank credit cards security

Scotiabank have a few different security protocols in place including chip technology, purchase protection and extended warranty protection. Furthermore, Scotiabank will contact you immediately if there is any unusual or suspicious activity on your credit card account. If you are the victim of fraud, Scotiabank have a team on hand that help you restore your bank balance and financial information.

How to apply for a Scotiabank credit card

If you’ve done your own research and have decided you’d like to apply for a Scotiabank credit card, you can begin your secure online application by clicking on the green “Go to site” button for the credit card you’re interested in. This button will take you to a secure Scotiabank credit card application page, where you will be able to begin the application process if you have all of the necessary documents and details on hand.

Before you get started on your application, ensure that you meet the eligibility requirements for the specific credit card that you are interested in. Eligibility requirements typically vary between credit cards and providers, but generally include the following:

Eligibility requirements

  • How old are you? You should be at least the age of majority in your province or territory to apply for your own credit card, which is usually 18 years old.
  • What is your Canadian residency status? You usually need to be a Canadian citizen or a permanent resident of Canada to apply for a Canadian credit card.
  • What is your credit history like? Ideally, you should have a good to excellent credit score and no recent evidence of defaults or bankruptcy. Some cards will accept fair to poor credit, however check with the provider on the specific card before you apply if you have less than good credit.

Information you will need for your application

If you meet the eligibility requirements for the Scotiabank credit card, you can then proceed with your application by gathering the following information:

  • Personal information. You’ll need to provide personal information such as your address and your contact information. You’ll also need to verify your identity by providing an accepted form of identification, such as your driver’s licence number or passport number.
  • Financial information. You will need to detail information about your current employment, income and assets like shares or property and your employer’s contact details. If you’re self-employed, you may need to provide information regarding your expenses, liabilities and your accountant’s contact information.

Scotiabank offers a host of different credit cards that suit different spending habits and financial situations. Before you apply for a credit card with Scotiabank, do your own research, compare different cards and providers and find a credit card that you can reap rewards from, whether that is paying a low interest rate or getting travel rewards.

Frequently asked questions about Scotiabank credit cards

We’ve curated a list of the most frequently asked questions about Scotiabank credit cards. If you can’t find the answer to your question here, or if you’d like to leave us some feedback, get in touch with us using the form at the bottom of this page.

Picture: Scotiabank

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