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2026'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 2026: Best Overall Scotiabank Card
See our top Scotiabank credit card picks below.
| First-year value* | Annual fee | Top features | |
|---|---|---|---|
| $1,074 | $120 | Earn up to 45,000 bonus Scotia Scene+ points in the first year. | |
| $917 | $120 (First year waived) | Earn 4% Cash Back on eligible grocery and recurring bill payment purchases. | |
| $368 | $0 | Earn up to 10,000 bonus Scotia Scene+ points within your first three months. | |
| $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 2026. |
*The Rates.ca 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 $1,074 in Scotia Scene+ points within the first year.
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 $817 in your wallet within 12 months, according to our Best of Finance methodology.
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 $418 in Scotia Scene+ points over the first year. That is roughly 25 general admission tickets!
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.
Rates, product information and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. Rates.ca may receive a referral fee from our partners or affiliate links featured on the site; however, our editorial choices are objective and free from bias. The opinions expressed in this article are purely those of Rates.ca; thus, the credit card issuers and partners are not responsible for any editorials or reviews that may appear. Please visit the associated brand’s website for complete and current terms and conditions on any product or service mentioned. The information in this article is accurate as of the date of this posting, January 28, 2026. Read our full disclaimer.
Scotiabank rewards
When you use your Scotiabank rewards credit card, you earn Scotia SCENE+ points. Redeem Scotia SCENE+ points for a variety of great options, such as:
- Cash back: Use your Scotia SCENE+ 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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