2025's Best Scotiabank Credit Cards
Take advantage of great Scotiabank credit card offers today.
Scotiabank
Scotiabank, founded in 1832, is one of Canada’s top financial institutions. It offers a wide range of products, with everything from student credit cards to top-tier rewards credit cards. Scotiabank credit cards are accepted in more than 200 countries and territories, allowing you to pay for your purchases safely and conveniently. See the best Scotiabank credit cards to find the perfect fit for your lifestyle.
Scotiabank offers several types of credit cards, allowing you to pick the best credit card for your spending needs. Scotiabank credit cards include:
- No annual fee credit cards
- Cash back credit cards
- Travel credit cards
- Low interest credit cards
- Student credit cards
Best Credit Cards for 2025: Best Overall Scotiabank Card
See our top Scotiabank credit card picks below.
| First-year value* | Annual fee | Top features | |
|---|---|---|---|
| $1,024 | $120 | Earn up to 40,000 bonus Scotia Scene+ points in the first year. This offer expires on July 1, 2025. | |
| $717 | $120 | Earn 4% Cash Back on eligible grocery and recurring bill payment purchases. | |
| $368 | $0 | Earn up to 5,000 bonus Scotia Scene+ points within your first three months. This offer expires on October 31, 2025. | |
| $256 | $0 | Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). The offer expires on October 31 2025. |
*The RATESDOTCA Best of Finance methodology assumes the cardholder spends an average of $2,000 a month on their card to determine the first-year value. The calculation includes all welcome bonuses and promotional offers at the time of publishing.
1. Scotiabank®* Gold American Express® Card
The Scotiabank®* Gold American Express® Card is great for travellers looking to use their rewards to book their next vacation or make purchases abroad. This card is one of the few to offer no foreign transaction fees. So, you won’t get dinged for making purchases on your trip. Only the exchange rate applies.
Earn five Scotia Scene+ points for every $1 spent on eligible groceries, dining in or out and entertainment purchases. Collect three Scotia Scene+ points for every $1 spent on gas, public transit or streaming services. Earn one Scotia Scene+ point per dollar spent on everything else.
Based on our Best of Finance methodology, the average Canadian can earn $1,024 in Scotia Scene+ points within the first year.
Credit score requirement for approval:
Good: You’ve had a credit card or loan for at least six years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments on any existing credit cards for the past three months.
Annual fee:
$120
Annual fee for additional cardholders: $29
Limited time offer/bonus:
- Earn 20,000 bonus Scotia Scene+ points when you spend at least $2,000 in the first three months.
- Get an additional 20,000 Scotia Scene+ points when you spend at least $7,500 in everyday purchases in the first year.
Offer expiry date: July 1, 2025
Rewards:
- 6x Scotia Scene+ points at select grocery stores
- 5x Scotia Scene+ points on groceries, restaurants and entertainment
- 3x Scotia Scene+ points on gas, daily transit and select streaming services
- 1x Scotia Scene+ point all other purchases
Earning potential:
How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.
Rewards earned over a 12-month period + Welcome Bonus = $744 + $400 = $1,144
Annual fee = $120
Total earned over the first year (rewards minus annual fee) = $1,024
Benefits:
- No foreign transaction fees - including online shopping
- Amex exclusive benefits (Front Of The Line)
- 24/7 concierge service
- Discount on the Priority Pass membership
- Earn additional benefits + 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
Insurance:
- Purchase Protection - 90 days
- Extended Warranty - 1 year
- Travel Accident - $500,000
- Emergency Medical Term - 25 days
- Trip Cancellation - $1,500
- Trip Interruption - $1,500
- Flight Delay- $500
- Baggage Delay - $1,000
- Lost or Stolen Baggage - $1,000
- Rental Car Theft & Damage
Want to learn more about how the Scotiabank®* Gold American Express® Card stands-up against the competition? Read more from our "In the Ring" series:
In the Ring: American Express Cobalt Credit Card vs. Scotiabank Gold American Express Card
2. Scotia Momentum® Visa Infinite* Card
Apply for the Scotia Momentum® Visa Infinite* Card to earn 4% back on groceries, recurring bill payments and subscription purchases. Collect 2% back on gas and daily transit, including buses, taxis and rideshare services. Earn 1% back on everything else.
You could have an extra $717 in your wallet within 12 months, according to our Best of Finance methodology.
Credit score requirement for approval:
Excellent: You’ve had a credit card or loan for at least 10 years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments on your existing credit cards for the past six months.
Annual fee:
$120
Annual fee for additional cardholders: $50
Limited time offer/bonus:
- Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases)1. Plus, no annual fee in the first year, including on supplementary cards1. Scotiabank will waive the annual fee for both the primary and secondary cardholders for the first year.
Offer expiry date: October 31, 2025
Rewards:
- Earn 4% cash back on eligible groceries, recurring bill payments and select subscription purchases.
- Earn 2% cash back on eligible gas and daily transit, including taxi, rideshare and public transit purchases.
- Earn 1% back on everything else.
Earning potential:
How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.
Rewards earned over a 12-month period = $717
Annual fee = $0*
Total earned over the first year (rewards minus annual fee) = $717
*The $120 annual fee is waived for the first year.
You can redeem your points for:
- Cash back can be deposited into a Scotiabank chequing or savings account in November of each year.
- Cash back can be added as a statement credit in November of each year.
Insurance:
- Mobile device insurance
- Trip cancellation/trip interruption insurance
- Travel emergency medical insurance
- Flight delay insurance
- Delayed and lost baggage insurance
- Travel accident insurance
- Rental car collision loss/damage insurance
- Purchase assurance
- Extended warranty
- Scotia Credit Card Protection (optional)
Other perks:
- Save on rental cars at participating AVIS and Budget locations across the U.S. and Canada.
- Save time with the 24/7 concierge services for booking reservations, tickets or trip preparation.
- Access the Visa Infinite Hotel Collection and the Visa Infinite Dining and Wine Country Program.
Want to learn more about how the Scotia Momentum® Visa Infinite* Card stands-up against the competition? Read more from our "In the Ring" series:
In the Ring: Scotia Momentum Visa Infinite Card vs. BMO CashBack World Elite Mastercard
3. Scotiabank®* Scene+™ Visa* Card
The Scotiabank®* Scene+™ Visa* Card rewards devoted moviegoers with free movies and merchandise for making everyday purchases. Earn five Scotia Scene+ points for every $1 spent at Cineplex theatres and Cineplex.com. Get one Scotia Scene+ point for every $1 spent everywhere else you shop.
According to our Best of Finance methodology, the average Canadian would earn $393 in Scotia Scene+ points over the first year. That is roughly 25 general admission tickets!
Credit score requirement for approval:
Good: You’ve had a credit card or loan for at least six years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments on my existing credit cards for the past three months.
Annual fee:
$0
Limited time offer/bonus:
- Earn up to 5,000 bonus Scene+ points within your first 3 months1. .
Offer expiry date: October 31, 2025
Rewards:
- 2 Scotia Scene+ points for every $1 spent at Cineplex, Cineplex.com and select grocery stores
- 1 Scotia Scene+ point for every $1 spent on all other purchases
Earning potential:
How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.
Rewards earned over a 12-month period + Welcome Bonus = $ 318 + $ 50 = $369
Annual fee = $0
Total earned over the first year (rewards minus annual fee) = $368
Benefits:
- Earn additional benefits + 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
- Save up to 25% off base rates at participating AVIS locations and participating Budget locations
4. Scotia Momentum® No-Fee VISA* Card
The Scotia Momentum® No-Fee VISA* Card offers 5% cash back for the first three months on up to $2,000 in total purchases. Regularly earn 1% cash back on grocery, gas, and drugstore purchases and recurring bill payments. Get 0.5% cash back on all other eligible purchases.
According to our Best of Finance methodology, the average Canadian would earn $256 in the first year using this card.
Credit score requirement for approval:
Good: You’ve had a credit card or loan for at least six years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments on my existing credit cards for the past three months.
Annual fee:
$0
Annual fee for additional cardholders: $0
Limited time offer/bonus:
- Earn 5% cash back for the first three months on up to $2,000 in total purchases.
- Get a 0.00% introductory interest rate on balance transfers for the first six months, 22.99% after that.
Offer expiry date: October 31, 2025
Rewards:
- 1% cash back on eligible grocery, gas and drugstore purchases and recurring bill payments.
- 0.5% cash back on all other eligible purchases.
Earning potential:
How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.
Rewards earned over a 12-month period + Welcome Bonus = $192 + $64 = $256
Annual fee = $0
Total earned over the first year (rewards minus annual fee) = $256
Benefits:
- Save up to 25% off base rates at participating AVIS locations and participating Budget locations
*Rates, product information, and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. The views and opinions expressed in this review are purely those of RATESDOTCA. Information in this article is accurate as of the date of this posting, May 21, 2021. Read our full disclaimer.
Scotiabank rewards
When you use your Scotiabank rewards credit card, you earn Scotia Rewards points. Redeem Scotia Rewards points for a variety of great options, such as:
- Cash back: Use your Scotia Rewards points toward a statement credit.
- Gift cards: Choose a gift card from a variety of great stores and restaurants, such as Joeys Restaurants, Bath and Body Works and The Keg.
- Merchandise rewards: Redeem points for the latest technology and merchandise from Apple, Best Buy or the Scotia Rewards catalogue.
- SCENE points: Convert your Scotia Rewards points to SCENE points and take advantage of free movie tickets and discounts at SCENE-affiliated restaurants.
- Travel rewards: Redeem your points for any travel expenses made through your card using the Apply Points to Travel feature.
- Donate to charity: You can use your Scotia Rewards points to donate to charities of your choice through CanadaHelps. Choose from over 86,000 registered Canadian charities.
Scotiabank security
Using your Scotiabank credit card is safer than using cash, as you can always track your purchases. You are protected against any unauthorized transactions when you use your card. Depending on the kind of Scotiabank credit card you have, you’re covered with the Visa Zero Liability Policy, American Express Fraud Protection Guarantee or Mastercard Zero Liability Protection.
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