Best Scotiabank credit cards

Scotiabank credit cards offer a range of features for most financial situations. 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, there’s a best Scotiabank credit card for you.

Depending on your spending habits, you can select a Scotia 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.

What are the best Scotiabank credit cards in Canada?

• Best for cash back: Scotia Momentum Visa Infinite + Card
• Best for earning rewards: Scotiabank Gold American Express Card
• Best for travel perks: Scotiabank Passport Visa Infinite + Card
• Best low interest card: Scotiabank Value Visa Card
• Best for entertainment and restaurants: Scotiabank Scene + Visa Card
• Best for no annual fee: Scotiabank American Express Card

Welcome Offer	Rewards	Annual Fee
Best for cash back
Scotia Momentum Visa Infinite + Card	15% cash back	Up to 4% cash back	$0 annual fee for the first year ($120 thereafter)	Earn 15% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on balance transfers for the first 12 months. And, pay no annual fee in the first year. Apply by November 1, 2026. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it The Scotia Momentum Visa Infinite + Card helps you earn a relatively high rate of cash back on most everyday purchases. Earn 4% cash back for every $1 spent on eligible grocery purchases & recurring payments, 2% per $1 spent on eligible gas, daily transit purchases & food delivery and 1% per $1 spent on everything else. Earn 15% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on balance transfers for the first 12 months. And, pay no annual fee in the first year. Apply by November 1, 2026. The card also offers a great suite of travel insurance benefits, an introductory balance transfer rate and exclusive offers on dining and entertainment – just watch out for the annual fee of $120. Pros & cons Pros Earn 15% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on balance transfers for the first 12 months. And, pay no annual fee in the first year. Apply by November 1, 2026 Earn 4% cash back for every $1 spent on eligible grocery purchases & recurring payments, 2% per $1 spent on eligible gas, daily transit purchases & food delivery and 1% per $1 spent on everything else. Travel insurance coverage Cons This card has an annual fee of $120 When you spend overseas, you'll face a foreign transaction fee of 2.5% In order to qualify for this card you must have a personal income of at least $60,000 or a household income of $100,000 or higher
Best for earning rewards
Scotiabank Gold American Express Card	50,000 points	Up to 6x points per $1 spent	$120	Earn up to 50,000 bonus Scene+ points. Apply by November 1, 2026. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it The Scotiabank Gold American Express Card is a powerful everyday credit card as well as a strong travel companion. Earn 6x Scene+ points for every $1 you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and more, 5x Scene+ points per $1 spent on eligible grocery, dining and entertainment purchases, earn up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia, 3x Scene+ points per $1 spent on eligible gas, transportation and select streaming services, and 1 Scene+ point per $1 spent on eligible purchases elsewhere. Book and redeem any flight for any time through Scotia Rewards Travel Service, a full-service travel agency. Plus, take advantage of the Best Price Guarantee on airfare. Plus, enjoy peace of mind with a broad array of travel insurance options. Pros & cons Pros Earn up to 50,000 bonus Scene+ points. Apply by November 1, 2026 Earn 6x Scene+ points for every $1 you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and more, 5x Scene+ points per $1 spent on eligible grocery, dining and entertainment purchases, earn up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia, 3x Scene+ points per $1 spent on eligible gas, transportation and select streaming services, and 1 Scene+ point per $1 spent on eligible purchases elsewhere. Get a broad array of travel insurance coverage and travel perks Cons This card has an annual fee of $120 This card comes with a 2.5% foreign transaction fee You'll need to earn a minimum income of $12,000 a year to be eligible for this card
Best for travel perks
Scotiabank Passport Visa Infinite + Card	35,000 points	Up to 4x points per $1 spent	$150	Earn up to 35,000 bonus Scene+ points (that’s up to $1,250 in value in the first 12 months). Apply by November 1, 2026. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it The Scotiabank Passport Visa Infinite + Card offers a sizeable welcome bonus along with a high rewards point earn rate. Earn up to 35,000 bonus Scene+ points (that’s up to $1,250 in value in the first 12 months). Apply by November 1, 2026. Earn 25,000 bonus Scene+ points by making at least $2,000 in purchases in your first 3 months. Plus, earn an annual 10,000 Scene+ points when you spend at least $40,000 in purchases annually. This card also comes with a full suite of travel insurance (including trip cancellation and lost baggage insurance) and other perks like a complimentary DragonPass membership plus 6 free visits per year to over 1,000 airport lounges globally. Pros & cons Pros Earn up to 35,000 bonus Scene+ points (that’s up to $1,250 in value in the first 12 months). Apply by November 1, 2026 Earn up to 4 points on travel. Earn 1 Scene+ point for every $1 you spend on eligible travel purchases. Plus, earn an extra 3 Scene+ points for every $1 you spend on hotels and car rentals when you book through Scene+ Travel, Powered by Expedia. Earn 3x Scene+ points for every $1 you spend at select grocery stores like Sobeys, Safeway, FreshCo and Foodland; 2x Scene+ points per $1 spent at other eligible grocery stores and dining, entertainment and transit purchases and 1 Scene+ point per $1 spent on all other eligible purchases. Get travel insurance coverage and travel perks Cons This card has an annual fee of $150 You'll need a minimum income of at least $60,000, or combined household income of $100,000, to qualify for this card
Best low interest card
Scotiabank Value Visa Card	0% on balance transfers for 9 months	N/A	$0 annual fee for the first year ($29 thereafter)	Get a 0% introductory interest rate on balance transfers for the first 9 months. Plus, pay no annual fee in the first year. Apply by January 3, 2027. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it With no cash back or rewards points, the Scotiabank Value Visa Card doesn't come with a lot of extra perks – but it can be a great tool for saving money. Get a 0% introductory interest rate on balance transfers for the first 9 months. Plus, pay no annual fee in the first year. Apply by January 3, 2027. Pros & cons Pros Get a 0% introductory interest rate on balance transfers for the first 9 months. Plus, pay no annual fee in the first year. Apply by January 3, 2027 Low purchase and cash advance interest rates of 13.99% Cons This card has an annual fee of $29 This card has a foreign transaction fee of 2.5%
Best for entertainment and restaurants
Scotiabank Scene + Visa Card	5,000 points	Up to 4 points per $1 spent	$0	Earn up to 5,000 Scene+ points in the first 3 months. Apply by November 1, 2026. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it If you've have no credit history and are looking for a rewards card with a $0 annual fee, the Scotiabank Scene + Visa Card is worth taking a look at – especially if you're a big movie buff. Earn up to 4 Scene+ points per $1 spent on eligible travel purchases—receive 1 point per $1 on travel, plus an extra 3 points per $1 CAD on hotels and car rentals booked through Scene+ Travel, powered by Expedia. Earn 2 points per $1 at Sobeys, Safeway, Foodland, participating IGA locations and co-ops, Cineplex theatres, cineplex.com, Home Hardware, Home Building Centres in Canada and homehardware.ca. Earn 1 Scene+ point per $1 on all other eligible everyday purchases. Redeem your SCENE points for movie tickets or take advantage of discounts at participating restaurants. Pros & cons Pros $0 annual fee Earn up to 5,000 Scene+ points in the first 3 months. Apply by November 1, 2026 Earn up to 4 points per $1 spent Cons Every time you charge a purchase to your card in a foreign currency, you'll incur a 2.5% fee
Best for no annual fee
Scotiabank American Express Card	10,000 points	Up to 3x points per $1 spent	$0	Earn up to 10,000 bonus Scene+ points within your first 3 months. That's up to $100 towards travel. Apply by November 1, 2026. T&Cs apply.	View details Compare product selection Compare	loading	Why we like it For a card with a $0 annual fee, the Scotiabank American Express Card offers great value like the opportunity to earn points that can be redeemed for thousands of rewards through the Scene+ points program. Earn 3x Scene+ points on every $1 you spend at Sobeys, Safeway, FreshCo and more, 2x Scene+ points for every $1 you spend on dining, entertainment, other eligible grocery stores, gas and transit, streaming services, and food delivery services and subscriptions. Plus, earn 1 Scene+ point for every $1 spent on everything else. Most items purchased with this card are eligible for price protection as well as purchase security and extended warranty protection. Cardholders also get travel perks. Pros & cons Pros Earn up to 10,000 bonus Scene+ points within your first 3 months. That's up to $100 towards travel. Apply by November 1, 2026 $0 annual fee Earn 3x Scene+ points on every $1 you spend at Sobeys, Safeway, FreshCo and more, 2x Scene+ points for every $1 you spend on dining, entertainment, other eligible grocery stores, gas and transit, streaming services, and food delivery services and subscriptions. Plus, earn 1 Scene+ point for every $1 spent on everything else. Travel insurance coverage Cons This card has a foreign transaction fee of 2.5% You'll need to earn a personal income of at least $12,000 to be eligible for this card

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• How we chose the best Scotiabank credit cards

  We’ve chosen the Scotia credit cards on this page based on the cards available through Finder. These cards are not representative of the entire market. We’ve narrowed down our top picks by considering rewards points, cash back, annual fees, interest rates, balance transfer offers and additional card benefits like signup bonuses.

  No single credit card will be the best choice for everyone, so compare your options before picking your new card.

Compare Scotiabank credit cards for 2026

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Welcome Offer	Rewards	Purchase Interest Rate	Annual Fee	Min. Credit Score
Scotia Momentum Visa Card	0.99% balance transfer for 9 months	Up to 2% cash back	20.99%	$49	Get a 0.99% introductory interest rate on balance transfers for the first 9 months. Offer ends January 3, 2027. T&Cs apply.	Min. recommended credit score: 670	Go to siteView details Compare product selection Compare	loading
Scotiabank Passport Visa Infinite + Card	35,000 points	Up to 4x points per $1 spent	20.99%	$150	Earn up to 35,000 bonus Scene+ points (that’s up to $1,250 in value in the first 12 months). Apply by November 1, 2026. T&Cs apply.	Min. recommended credit score: 700	Go to siteView details Compare product selection Compare	loading
Scotiabank Scene + Visa Card	5,000 points	Up to 4 points per $1 spent	21.99%	$0	Earn up to 5,000 Scene+ points in the first 3 months. Apply by November 1, 2026. T&Cs apply.	Min. recommended credit score: 660	Go to siteView details Compare product selection Compare	loading
Scotiabank Gold American Express Card	50,000 points	Up to 6x points per $1 spent	21.99%	$120	Earn up to 50,000 bonus Scene+ points. Apply by November 1, 2026. T&Cs apply.	Min. recommended credit score: 700	Go to siteView details Compare product selection Compare	loading
Scotiabank Value Visa Card	0% on balance transfers for 9 months	N/A	13.99%	$0 annual fee for the first year ($29 thereafter)	Get a 0% introductory interest rate on balance transfers for the first 9 months. Plus, pay no annual fee in the first year. Apply by January 3, 2027. T&Cs apply.	Min. recommended credit score: 670	Go to siteView details Compare product selection Compare	loading
Scotia Momentum Visa Infinite + Card	15% cash back	Up to 4% cash back	20.99%	$0 annual fee for the first year ($120 thereafter)	Earn 15% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on balance transfers for the first 12 months. And, pay no annual fee in the first year. Apply by November 1, 2026. T&Cs apply.	Min. recommended credit score: 700	Go to siteView details Compare product selection Compare	loading
Scotia Momentum No-Fee Visa Card	Up to 5% cash back	1% cash back	20.99%	$0	Earn 5% cash back on all purchases for the first 3 months (up to $2,000 spend). Plus, get a 0.99% introductory interest rate on balance transfers for the first 9 months. Apply by November 1, 2026. T&Cs apply.	Min. recommended credit score: 650	Go to siteView details Compare product selection Compare	loading

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Types of Scotia 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 Scotia cards

Some of the features you can enjoy with Scotiabank credit cards 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 Scotiabank credit cards

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:

Scotiabank credit card requirements and eligibility

• 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.

Scotiabank credit card FAQs

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.

• How do I activate a Scotia credit card?

  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.

• How do I access Scotia OnLine banking?

  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.

• How is interest calculated on my Scotiabank credit cards?

  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%.

• What's the best Scotiabank credit card?

  The best Scotia credit card for you really depends on what you're looking for in a credit card. Based on Finder's research, here are the best Scotiabank credit cards in Canada

  • Scotia Momentum Visa Infinite Card is the best Scotiabank credit card for cash back
  • Scotiabank Gold American Express Card is the best Scotiabank credit card for earning rewards
  • Scotiabank Passport Visa Infinite Card is the best Scotiabank credit card for travel perks
  • Scotiabank Value Visa Card is the best Scotiabank credit card for low interest
  • Scotiabank SCENE Visa Card is the best Scotiabank credit card for entertainment and restaurants
  • Scotiabank American Express Card is the best Scotiabank credit card for no annual fee

• How do I check my monthly Scotiabank statement?

  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.

• My Scotiabank credit card is about to expire. How do I get a new one?

  You will automatically be sent a new credit card in the mail.

• What other products does Scotiabank offer?

  Scotiabank offers a variety of other products and services including Scotia iTrade, savings accounts, chequing accounts and borrowing options, insurance, business solutions and financial advice.

Written by

Emma Balmforth

Producer

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Emma Balmforth is a producer at Finder. She is passionate about helping people make financial decisions that will benefit them now and in the future. She has written for a variety of publications including World Nomads, Trek Effect and Uncharted. Emma has a degree in Business and Psychology from the University of Waterloo. She enjoys backpacking, reading and taking long hikes and road trips with her adventurous dog. See full bio

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