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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:
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. | ||
| $393 | $0 | Earn up to 7,500 bonus Scotia Scene+ points within your first three months. This offer expires on March 2, 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.
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:
Offer expiry date: July 1, 2025
Rewards:
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:
Insurance:
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
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 (first year waived)
Annual fee for additional cardholders: $50
Limited time offer/bonus:
Offer expiry date: October 31, 2025
Rewards:
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 = $564 + $153 = $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.
Benefits
Insurance:
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
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:
Offer expiry date: March 2, 2025
Rewards:
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 + $ 75 = $393
Annual fee = $0
Total earned over the first year (rewards minus annual fee) = $393
Benefits:
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:
Offer expiry date: October 31, 2025
Rewards:
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:
Rates, product information and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. RATESDOTCA 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 RATESDOTCA; 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 31, 2025. Read our full disclaimer.
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:
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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