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.
Scotia Momentum Visa Infinite Card
Scotia Momentum Visa Infinite Card
Purchase interest rate
Eligibility criteria, terms and conditions, fees and charges apply
Scotia Momentum Visa Infinite Card
Apply today and earn 10% cash back on all eligible purchases for the first 3 months (up to $2,000 in total purchases). Plus, the annual fee is waived in the first year, including on supplementary cards.
Purchase interest rate: 20.99%
Cash advance rate: 22.99%
Balance transfer rate: 22.99%
Annual fee: $120 annual fee for the first year ($120 thereafter)
Credit rating: 750+
Minimum income: $60,000
Minimum age: Age of majority in the province/territory of residence
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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:
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:
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.
You can activate your credit card by calling the toll free number on the sticker which is located on the front side of the credit card.
You can access the secure Scotiabank OnLine banking facility by navigating to the Scotiabank website and logging in from the main page. The log in button is located in the top right hand corner of the page. Alternatively, you can download the Scotiabank mobile app and access your online banking via your smartphone.
If you have a balance on your Scotiabank credit card, interest will be calculated daily and charged monthly. Interest rates in Canada vary greatly, and can be as low as 0% (for balance transfer credit cards) or as high as 36%. Typical interest rates sit between 19.99% – 27.99%.
You can choose to receive paper statements in the mail or you can receive email notifications if you bank online. You can always check your balance via the Scotia OnLine banking site or through the Scotiabank mobile app.
You can increase your credit limit by contacting Scotiabank directly. Alternatively, you can ask for an increase in your credit limit online or via the mobile app. You can also decrease your limit if you wish via the same methods.
You will automatically be sent a new credit card in the mail.
Scotiabank offers a variety of other products and services including bank accounts, mortgages, investment accounts, savings and borrowing options, insurance, business solutions and financial advice.
Emma Balmforth is a Producer at Finder. She is passionate about cryptocurrency, credit cards and loans, and enjoys helping people understand the often confusing world of finance. Emma has a degree in business and psychology from the University of Waterloo. She wants to help people make financial decisions that will benefit them now and in the future.
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