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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
Get a FREE $100 Gift Card Upon Approval!
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 25,000 Bonus Scotia Rewards points
Card details
Network
American Express
Provider
Scotiabank
Credit needed
Good
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%
Free gift card offer

Get a FREE $100 gift card upon approval from LowestRates.ca!

Card description
  • Earn 25,000 bonus points with your first $1,000 in everyday purchases in the first 3 months - worth $250 in travel. Plus, first year annual fee waived. For accounts opened by February 28, 2018.
  • Earn up to 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible purchases
  • Complimentary Concierge Services 24/7
  • Rates, fees and other information are effective as of November 1, 2017. Subject to change.
Scotiabank Value® VISA*
Scotiabank Value® VISA* image
Annual fee $29
Rewards rate N/A
Bonus offer 0.99% Interest rate on balance transfers (first 6 months)
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$29
Purchase interest rate
11.99%
Cash advance rate
11.99%
Balance transfer rate
0.99%
11.99% after 6 months
Card description
  • Special 0.99% introductory interest rate on balance transfers for the first 6 months. For accounts opened by January 31, 2018.
  • Save hundreds of dollars in interest a year
  • Low 11.99% interest rate
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of November 1, 2017. Subject to change.
SCENE® VISA*
SCENE® VISA* image
Annual fee $0
Rewards rate 1 SCENE point per $1 spent
Bonus offer 4,000 Bonus SCENE points
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Earn 4,000 bonus points with your first $500 in everyday purchases in first 3 months. That's 4 FREE movies. For accounts opened by February 28, 2018.
  • Earn 1 SCENE point for every $1 you spend on credit card purchases
  • Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
  • Rates, fees and other information are effective as of November 1, 2017. Subject to change.
Scotia Momentum® VISA Infinite*
Scotia Momentum® VISA Infinite* image
Annual fee $99 $0 for the first year
Rewards rate 1% Cash back on other eligible purchases
Bonus offer 5% Cash back on gas and grocery (first 3 months)
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Excellent
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
  • Earn 5% cash back on everyday purchases for the first 3 months. Plus, your first year annual fee waived. For accounts opened by February 28, 2018.
  • 4% cash back on eligible gas station and grocery store purchases
  • 2% cash back on eligible drug store purchases and recurring bill payments
  • 1% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of November 1, 2017. Subject to change.
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
Credit needed
Good
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 January 31, 2018.
  • A great low rate with no annual fee​
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of November 1, 2017. Subject to change.
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
Credit needed
Good
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 January 31, 2018.
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and  drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of November 1, 2017. Subject to change.
Features
  • Rental Car Discounts
Scotia Momentum® VISA*
Scotia Momentum® VISA* image
Annual fee $39
Rewards rate 2% Cash back on eligible purchases
Bonus offer 2.99% Interest rate on balance transfers (first 6 months)
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$39
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
2.99%
22.99% after 6 months
Card description
  • Get an introductory 2.99% on balance transfers for the first six months. For accounts opened by January 31, 2018.
  • A 1% Promotional Rate Fee (minimum fee of $3.50) will be charged on the amount of any promotional rate cash advances (which includes balance transfer, Scotia® Credit Card Cheque and cash-like transactions).
  • Cash back with low annual fee
  • 2% cash back on eligible gas station, grocery store and drug store purchases and recurring bills
  • 1% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of November 1, 2017. Subject to change.
Features
  • Extended Warranty
  • Purchase Security
  • Rental Car Discounts
Scotiabank® GM®* VISA* Card
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
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Get closer to your new car with up to 5% in GM Earnings
  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • No earning or redemption caps
  • Rates, fees and other information are effective as of November 1, 2017. Subject to change.
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
Credit needed
Good
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 $500 in everyday purchases within your first three months. For accounts opened by January 31, 2018.
  • Earn 1 Scotia Rewards point for every $1 you spend on eligible everyday purchases
  • 5% cash back on travel purchased through Scotia Rewards
  • Flexible Point Redemption
  • Rates, fees and other information are effective as of November 1, 2017. Subject to change.
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
Rewards rate 1 Scotia Rewards points per $1 spent on eligible purchases
Bonus offer 5,000 Bonus points
Card details
Network
American Express
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Earn 5,000 Scotia Rewards bonus points with your first $500 in everyday purchases in the first three months. For accounts opened by January 31, 2018.
  • Earn one Scotia Rewards point on all eligible everyday purchases
  • Flexible Point Redemption
  • Rates, fees and other information are effective as of November 1, 2017. Subject to change.
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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