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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.

Best Scotiabank cash back card.

Who says your credit card can’t work for you? With 4% cash back on eligible gas and grocery store purchases, 2% back at drug stores and on your bills, and 1% everywhere else, the Momentum Visa Infinite is a premium card well worth the $120 annual fee. Plus, it’s backed by the security and convenience of the Visa network and it gives you access to enviable, top-of-the-line perks: exclusive dining experiences across Canada, special hotel rates, automatic room upgrades, and more.

Scotia Momentum® VISA Infinite

Scotia Momentum® VISA Infinite

Apply Now See Card Details
Annual fee $0 $120 after the first year
Rewards rate 4% cash back on gas & groceries, 2% cash back on drug stores, 1% cash back on everything else
Bonus offer 10% cash back on all purchases for first 3 months up to $2,000 in total purchases 
Interest rate 20.99% 

Best Scotiabank premium travel rewards card.

For those who are always on the go, the Scotiabank Gold American Express card is designed to get you there faster. Earn 4 Scotia Rewards points for every dollar you spend at grocery stores, gas stations, restaurants, and on entertainment (movies, live theatres, event tickets, etc.) with no limit on the amount you can earn. You can redeem points for travel, cash back, or merchandise, plus enjoy discounts on hotels, airfare, car rentals, and vacation packages. And with this card’s purchase protection and comprehensive travel insurance coverage, you’ll always have peace of mind when you spend or travel.

Scotiabank®* Gold American Express® Card

Scotiabank®* Gold American Express® Card

Apply Now See Card Details
Annual fee $120
Rewards rate 4 rewards points for every $1 spent on gas, grocery, dining and entertainment; 1 point on all other eligible purchases
Bonus offer 40,000 bonus points 30,000 points on first $1,000 spent on everyday eligible purchases (within first 3 months); an additional 10,000 points if you make $7,500 in eligible purchases annually 
Interest rate 19.99%

Best Scotiabank card for first-timers.

Just because you haven’t had a credit card before doesn’t mean your first card has to be basic. The SCENE® Visa is perfect for young Canadians new to the credit card scene. There’s no fee — as long as you pay your balance on time every month, the card is entirely free. Most importantly, the SCENE® Visa makes it super easy for you to earn rewards and see free movies. For every dollar you spend on this card, you’ll earn 1 SCENE point. You can also earn five times the points when you spend at Cineplex theatres or the Cineplex website.

SCENE® VISA

SCENE® VISA

Apply Now See Card Details
Annual fee $0
Rewards rate 1 point for every $1 spent, 5 points for every $1 spent at Cineplex
Bonus offer 2,500 bonus points on the first $500 spent on eligible purchases (within first 3 months)
Interest rate 19.99%

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.

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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