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Scotiabank credit cards

Compare credit cards offered by Scotiabank, one of Canada’s largest financial institutions.

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Scotiabank®* Gold American Express® Card
Scotiabank®* Gold American Express® Card image
Annual fee $99 $0 for the first year
Rewards rate 4 Scotia Rewards points per $1 spent on eligible purchases
Bonus offer 30,000 Bonus Scotia Rewards points (after your first purchase)
Card details
Network
American Express
Provider
Scotiabank
Fees and interest
Annual fee
$99
$0 for the first year
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • First year annual fee is waived for accounts opened by October 31, 2017
  • Earn 30,000 Scotia Rewards bonus points after you spend $750 in everyday purchases within the first three months - worth $300 in travel. For accounts opened by July 31, 2017.
  • Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible purchases
  • Extraordinary travel benefits
  • Flexible Point Redemption
  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
  • Complimentary Concierge Services
  • Access to Priority Pass Lounges worldwide
Scotia Momentum® VISA Infinite*
Scotia Momentum® VISA Infinite* image
Annual fee $99 $0 for the first year
Rewards rate 4% Cash back on gas and grocery
Bonus offer $0 Annual fee (first year)
Card details
Network
VISA
Provider
Scotiabank
Fees and interest
Annual fee
$99
$0 for the first year
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Annual fee waiver for the first year. For accounts opened by October 31, 2017.
  • 4% cash back on eligible gas station and grocery store purchases
  • 2% cash back on drug store purchases and recurring bill payments
  • 1% cash back on all other eligible purchases
  • VISA Infinite Complimentary Concierge Service - available 24/7
  • Access to VISA Infinite Luxury Hotel Collection
  • VISA Infinite Dining Series - Unique dining experiences in some of Canada's top restaurants
  • Special access to unique offers and experiences
Scotiabank Value® VISA*
Scotiabank Value® VISA* image
Annual fee $29
Rewards rate N/A
Bonus offer 1.99% Interest rate on balance transfers (first 6 months)
Card details
Network
VISA
Provider
Scotiabank
Fees and interest
Annual fee
$29
Purchase interest rate
11.99%
Cash advance rate
11.99%
Balance transfer rate
1.99%
11.99% after 6 months
Card description
  • Special 1.99% introductory interest rate on balance transfers for the first six months. For accounts opened by October 31, 2017.
  • NOTE: A 1% Promotional Rate Fee (minimum fee of $3.50) on the amount of any cash advance, balance transfer and Scotia® Credit Card Cheque will apply during this promotional offer.
  • Low 11.99% interest rate
  • Interest free grace period of at least 21 days on purchases
  • Pay down balances faster
  • Simplify your monthly payments
SCENE® VISA*
SCENE® VISA* image
Annual fee $0
Rewards rate 1 SCENE point per $1 spent
Bonus offer 5,000 Bonus SCENE points
Card details
Network
VISA
Provider
Scotiabank
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Start with 5,000 bonus SCENE points with $500 in everyday purchases within the first three months. That's 2 FREE movies. For accounts opened by October 31, 2017.
  • Earn one SCENE point for every dollar you spend
  • Earn five SCENE points for every dollar you spend at participating Cineplex Entertainment theatres or online at cineplex.com
  • Redeem points for free movies at Cineplex Entertainment theatres, music and other entertainment rewards
  • No annual fee
No-Fee Scotiabank Value® VISA*
No-Fee Scotiabank Value® VISA* image
Annual fee $0
Rewards rate N/A
Bonus offer 3.99% Interest rate on balance transfers (first 6 months)
Card details
Network
VISA
Provider
Scotiabank
Fees and interest
Annual fee
$0
Purchase interest rate
16.99%
Cash advance rate
16.99%
Balance transfer rate
3.99%
16.99% after 6 months
Card description
  • Get an introductory 3.99% interest rate on balance transfers for the first six months. For accounts opened by October 31, 2017.
  • NOTE: A 1% Promotional Rate Fee (minimum fee of $3.50) on the amount of any cash advance, balance transfer and Scotia® Credit Card Cheque will apply during this promotional offer.
  • 16.99% interest rate
  • Interest free grace period of at least 21 days on purchases
  • Save hundreds of dollars a year
  • Pay down balances faster
  • Simplify your monthly payments
  • 20% AVIS rental car discount
Features
  • Rental Car Discounts
Scotia Momentum® No-Fee VISA*
Scotia Momentum® No-Fee VISA* image
Annual fee $0
Rewards rate 1% Cash back on eligible purchases
Bonus offer 7.99% Interest rate on purchases (first 6 months)
Card details
Network
VISA
Provider
Scotiabank
Fees and interest
Annual fee
$0
Purchase interest rate
7.99%
19.99% after 6 months
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Special introductory 7.99% interest rate on purchases for the first six months. For accounts opened by October 31, 2017.
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bills
  • 0.5% cash back on all other eligible purchases
  • 20% AVIS rental car discount
Features
  • Rental Car Discounts
Scotia Momentum® VISA*
Scotia Momentum® VISA* image
Annual fee $0 $39 after the first year
Rewards rate 2% Cash back on eligible purchases
Bonus offer 3.99% Interest rate on balance transfers (first 6 months)
Card details
Network
VISA
Provider
Scotiabank
Fees and interest
Annual fee
$0
$39 after the first year
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
3.99%
22.99% after 6 months
Card description
  • Get an introductory 3.99% on balance transfers for the first six months. For accounts opened by October 31, 2017.
  • $39 first year annual fee is waived
  • NOTE: A 1% Promotional Rate Fee (minimum fee of $3.50) on the amount of any cash advance, balance transfer and Scotia® Credit Card Cheque will apply during this promotional offer.
  • 2% cash back on eligible gas station, grocery store and drug store purchases and recurring bills
  • 1% cash back on all other eligible purchases
  • Supplementary card holder fee = $15
  • Purchase security and extended warranty protection
  • 20% AVIS rental car discount
Features
  • Extended Warranty
  • Purchase Security
  • Rental Car Discounts
Scotiabank® GM®* VISA* Card
Get a FREE $50 Gift Card Upon Approval!
Scotiabank® GM®* VISA* Card image
Annual fee $0
Rewards rate 5% In GM Earnings (up to $5,000 in purchases)
Bonus offer N/A
Card details
Network
VISA
Provider
Scotiabank
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Free gift card offer

Get a FREE $50 gift card upon approval from LowestRates.ca!

Card description
  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 towards the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • Earnings do not expire as long as you are a cardholder
  • No earning or redemption caps
ScotiaGold Passport® VISA*
ScotiaGold Passport® VISA* image
Annual fee $110
Rewards rate 1 Scotia Rewards point per $1 spent
Bonus offer 5,000 Bonus points
Card details
Network
VISA
Provider
Scotiabank
Fees and interest
Annual fee
$110
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Earn 5,000 bonus points with your first card purchase within your first two months. For accounts opened by May 31, 2017.
  • Earn one Scotia Rewards point for every $1 you spend
  • 5% cash back on travel purchased through Scotia Rewards
  • Supplementary card holder fee = $30
  • Travel anywhere, at any time of the year with no restrictions
  • Comprehensive travel protection and insurance
  • Book online or by phone
  • Concierge Service
  • Merchandise, gift card and other rewards available
Features
  • Extended Warranty
  • Purchase Protection
  • Rental Car Discounts
  • Rental Car Insurance
  • Travel Insurance
Scotiabank®* American Express® Card
Scotiabank®* American Express® Card image
Annual fee $0 $39 after the first year
Rewards rate 2 Scotia Rewards points per $1 spent on eligible purchases
Bonus offer $0 Annual fee (first year)
Card details
Network
American Express
Provider
Scotiabank
Fees and interest
Annual fee
$0
$39 after the first year
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Pay no annual fee for the first year. For accounts opened by July 31, 2017.
  • Earn 2x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible purchases
  • Supplementary card holder fee = $15
  • Extraordinary travel benefits
  • Flexible Point Redemption
  • Comprehensive travel insurance
  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
  • Receive up to 25% off qualifying car rentals
  • Travel emergency medical coverage is automatically provided for eligible persons for up to 8 consecutive days
  • Redeem points for merchandise and other rewards
Features
  • Airfare Price Guarantee
  • Cruise Discounts
  • Entertainment Benefits
  • Extended Warranty
  • Hotel Discounts
  • Price Protection
  • Purchase Protection
  • Rental Car Discounts
  • Rental Car Insurance
  • Travel Insurance
  • Vacation Package Discounts
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The Scotiabank advantage

 

Scotiabank is one of Canada’s Big Five Banks, meaning it’s one of the country’s largest financial institutions by market capitalization. It’s also Canada’s most internationally present bank. It operates in more than 55 countries around the world, including in the United States and in countries throughout Asia and the Caribbean. Scotiabank credit card holders will likely find a piece of home wherever they travel. They’ll also get access to a wide variety of Scotiabank benefits, like multiple rewards programs, partnerships, award-winning products, and highly acclaimed customer service.

Here’s why Canadians love Scotiabank credit cards:

The Scotia Rewards® Program

Scotiabank credit card holders can take advantage of Scotia Rewards, the bank’s robust and flexible rewards program. With the Scotiabank®* Gold American Express® Card, the Scotiabank®* American Express® Card, and other participating cards, you can earn Scotia Rewards and redeem your points for gift cards, credit towards your credit card statement, and brand name merchandise. You can even use the points to save on flights, hotels, car rentals, cruises, and more.

Competitive cash back program

Earning cash back while spending credit is the dream — and it’ll give you another reason to love your Scotiabank credit card. If you choose a cash back card, you’ll be enrolled in the Scotia Momentum® Cash Back Visa program, where you’ll get competitive cash back rewards on everyday purchases.

SCENE® partnership

Love movies? Scotiabank makes it easier to earn free movies faster with its Cineplex SCENE® rewards program partnership. This popular rewards program not only lets you collect points towards free movies with every purchase, it also gives you an additional 10% off Tuesday tickets — which are already discounted — plus a discount on snacks at the concession stand. In other words, take advantage of a Scotiabank SCENE card if you’re a big movie buff.

General Motors rewards cards

Scotiabank is the only bank in Canada to offer GM Visa cards that can get you into a shiny new car for less. These co-branded cards let you collect up to $3,500 in GM Earnings on all purchases and that money can go towards the purchase or lease of a new Chevrolet, Buick, GMC, or Cadillac. The best part? GM Earnings don’t expire — so even if you’re not ready for a new ride now, your points will be waiting when you are. Or if you’re feeling generous, you can transfer points to immediate family members, even if they don’t live in your household.

Awards and recognition

With a Scotiabank credit card, you’re banking with one of the best. Global research and consulting firm Ipsos recognized Scotiabank in its 2016 Best Banking Awards. In fact, Scotiabank won awards in nine Ipsos categories, including best Value for Money, best Interest Rates & Service Charges, best Products & Services Excellence, and best Online Banking Excellence.

Recommended Scotiabank credit cards

 

Whether you want to maximize your cash back earnings, take advantage of a sweet sign-up bonus, or need a card that helps you build up your credit score, Scotiabank has a leading credit card offer for you.

About Scotiabank

 

Scotiabank was founded in 1832 in Halifax, Nova Scotia — as its name suggests. The bank opened a second branch in Windsor, Nova Scotia shortly after and quickly expanded throughout the region. In 1882, it opened its first branch outside the Maritimes, in Winnipeg, before extending to places as diverse as Toronto, Minneapolis, Boston, and Kingston, Jamaica. To this day, Scotiabank has a strong presence throughout the Americas. You can find the bank in places as varied as Sarnia and San Francisco, Burnaby and Bogota. And if you're looking for a credit card at Scotiabank, you've got options, including Visa and MasterCard products.

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