Top 3 Scotiabank credit cards in Canada
Scotiabank credit cards offer an impressive mixture of great rates, impressive rewards and reliable insurance.
As one of the best banks in Canada, it’s no surprise that Scotiabank credit cards come from all major issues—Visa, Mastercard and American Express, and offer great earn rates, rewards and insurance. Perhaps that's also why Scotiabank cards remain popular favourites on our best credit cards Canada list.
Best Scotiabank credit card overall
10% cash back
Welcome Bonus
$914
First Year Value
$594
Annual Value
Welcome Bonus: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on additional cards. Expires Oct 31, 2025
Get this card if you...
-
want high cash back rates
-
value a great welcome offer
-
want comprehensive insurance benefits
Annual Fee & Annual Interest Rates
$120
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Momentum® Visa Infinite* Card is a cash back credit card offering elevated earn rates on purchases in categories such as groceries, recurring bill payments, gas, and daily transit. Cardholders benefit from a competitive welcome bonus, comprehensive insurance coverage, and the potential to have the annual fee waived by bundling the card with certain Scotiabank chequing accounts.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
High earn rate on everyday spending categories
-
Comprehensive travel and purchase insurance
-
Visa Infinite perks such as concierge, events, and special offers
-
25% Car rental discounts at Avis and Budget
-
Mobile device insurance
-
Up to $200 welcome bonus
Cons
-
Income requirements are higher: $60k personal or 100k household
-
Cash back can only be redeemed once a year
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
2.50%
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
Rewards cash back
4%
For every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases
2%
For every $1 you spend on gas and daily transit purchases
1%
Cash back on all other purchases with no cash back limit
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on additional cards.
To qualify for these offers make sure to open a new Scotiabank Momentum® Visa Infinite* credit card account by October 31, 2025.
To earn 10% cash back, make sure to use your new card to make everyday eligible purchases and earn 10% cash back on the first $2,000 you spend in your first 3 months from account opening.
Once you qualify, we’ll credit your account in 2 instalments:
Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within approximately 7 months from the account open date; and
Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program (i.e., November).
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for these offers.
See terms and conditions for full details.
Our Take
The Scotiabank Momentum® Visa Infinite* Card is a cash back credit card offering elevated earn rates on purchases in categories such as groceries, recurring bill payments, gas, and daily transit. Cardholders benefit from a competitive welcome bonus, comprehensive insurance coverage, and the potential to have the annual fee waived by bundling the card with certain Scotiabank chequing accounts.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
High earn rate on everyday spending categories
-
Comprehensive travel and purchase insurance
-
Visa Infinite perks such as concierge, events, and special offers
-
25% Car rental discounts at Avis and Budget
-
Mobile device insurance
-
Up to $200 welcome bonus
Cons
-
Income requirements are higher: $60k personal or 100k household
-
Cash back can only be redeemed once a year
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
2.50%
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
Rewards cash back
4%
For every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases
2%
For every $1 you spend on gas and daily transit purchases
1%
Cash back on all other purchases with no cash back limit
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on additional cards.
To qualify for these offers make sure to open a new Scotiabank Momentum® Visa Infinite* credit card account by October 31, 2025.
To earn 10% cash back, make sure to use your new card to make everyday eligible purchases and earn 10% cash back on the first $2,000 you spend in your first 3 months from account opening.
Once you qualify, we’ll credit your account in 2 instalments:
Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within approximately 7 months from the account open date; and
Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program (i.e., November).
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for these offers.
See terms and conditions for full details.
We love this card for its cash back offering, especially for Scotiabank rewards. Over the years, it's consistently been a top pick for best overall cash back card, especially when it comes to groceries and bills.
Imagine getting 4% cash back for every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases.
Real-world spending example:
Meet Sarah, your typical Canadian professional living and working in Toronto. Sarah uses the Scotiabank Momentum® Visa Infinite* as her everyday credit card, so here's how here spending looks:
- Groceries: $800 (4% cash back)
- Recurring bills (cell phone, streaming services, internet): $300 (also 4% cash back)
- Gas/transit: $250 (2% cash back)
- Everything else (shopping, dining, etc.): $700 (1% cash back)
Sarah's rewards breakdown:
- Groceries: $32 ($800 × 4%)
- Recurring bills: $12 ($300 × 4%)
- Gas/transit: $5 ($250 × 2%)
- Everything else: $7 ($700 × 1%)
That's $56 per month or $672 in annual cash back! After the $120 annual fee, Sarah's net reward is $552 per year.
Disclosures:
-
Conditions Apply. Visit here for the Scotiabank Momentum® Visa Infinite* Card to learn more.
Best Scotiabank card for travel
up to 80,000 points
Welcome Bonus
$2,581
First Year Value
$81
Annual Value
Welcome Bonus: Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points. Expires Oct 31, 2025
Get this card if you...
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travel often and want premium travel perks like lounge access
-
want to avoid paying foreign exchange fees
-
value a great welcome offer
Annual Fee & Annual Interest Rates
$399
Annual Fee
9.99%
Purchase
9.99%
Cash Advance
9.99%
Balance Transfer
Our Take
The Scotiabank Platinum American Express® Card is a premium travel rewards credit card offering elevated earn rates on all eligible purchases, with additional benefits such as complimentary airport lounge access and comprehensive travel insurance. It charges no foreign transaction fees and provides access to exclusive events.
Eligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
Pros
-
The card offers a competitive low interest rate on purchases, cash advances, and balance transfers
-
Comprehensive insurance coverage
-
Complimentary Airport lounge access
-
No foreign transaction fees
-
Ideal for travelers as it has no foreign transaction fees
-
Offers a substantial welcome bonus that includes up to 80,000 Scene+ points
-
Enjoy premium perks like Hertz #1 Club Gold membership and concierge services.
Cons
-
High annual fee: At $399, the annual fee is steep, which could offset the rewards and benefits for some cardholders
-
Below average rewards rate: Lower compared to other cards with similar or lower annual fees
-
Limited American Express acceptance: Especially outside major cities
-
Rewards potential: The net rewards potential is relatively low when considering the high annual fee
-
Non-transferable points: Scene+ points cannot be transferred to other rewards programs
Annual Interest Rates
9.99%
Purchase
9.99%
Cash Advance
9.99%
Balance Transfer
Fees
$399
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
Rewards Scene+
2x
Scene+ points for every $1 spent on all other eligible purchases
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
0%
No foreign transaction fees
10
Complimentary airport lounge passes per year
Insurance Benefits
$1,000
Mobile device insurance amount
$2,000,000
Emergency medical insurance amount
10
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points.
To qualify for this Offer make sure to open a new Scotiabank Platinum American Express credit card account (“Account”) opened between January 3, 2025 and October 31, 2025.
To qualify for the 80,000 bonus Scene+ points:
Earn 60,000 bonus Scene+ points by making at least $3,000 in everyday eligible purchases in your first 3 months.
Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $10,000 in everyday eligible purchases in your first 14 months.
Once you qualify, your account will be credited in 2 instalments:
60,000 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $3,000 in eligible purchases being posted to your Account within the first 3 months of Account opening.
An additional 20,000 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after you have met the $10,000 spend threshold in your Account within the first 14 months of Account opening.
Note: For joint Accounts, the applicable bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases in the case of the 60,000 Point Bonus and the Additional 20,000 Point Bonus.
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for this offer.
*See terms and conditions for full details.
Our Take
The Scotiabank Platinum American Express® Card is a premium travel rewards credit card offering elevated earn rates on all eligible purchases, with additional benefits such as complimentary airport lounge access and comprehensive travel insurance. It charges no foreign transaction fees and provides access to exclusive events.
Eligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
Pros
-
The card offers a competitive low interest rate on purchases, cash advances, and balance transfers
-
Comprehensive insurance coverage
-
Complimentary Airport lounge access
-
No foreign transaction fees
-
Ideal for travelers as it has no foreign transaction fees
-
Offers a substantial welcome bonus that includes up to 80,000 Scene+ points
-
Enjoy premium perks like Hertz #1 Club Gold membership and concierge services.
Cons
-
High annual fee: At $399, the annual fee is steep, which could offset the rewards and benefits for some cardholders
-
Below average rewards rate: Lower compared to other cards with similar or lower annual fees
-
Limited American Express acceptance: Especially outside major cities
-
Rewards potential: The net rewards potential is relatively low when considering the high annual fee
-
Non-transferable points: Scene+ points cannot be transferred to other rewards programs
Annual Interest Rates
9.99%
Purchase
9.99%
Cash Advance
9.99%
Balance Transfer
Fees
$399
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
Rewards Scene+
2x
Scene+ points for every $1 spent on all other eligible purchases
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
0%
No foreign transaction fees
10
Complimentary airport lounge passes per year
Insurance Benefits
$1,000
Mobile device insurance amount
$2,000,000
Emergency medical insurance amount
10
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points.
To qualify for this Offer make sure to open a new Scotiabank Platinum American Express credit card account (“Account”) opened between January 3, 2025 and October 31, 2025.
To qualify for the 80,000 bonus Scene+ points:
Earn 60,000 bonus Scene+ points by making at least $3,000 in everyday eligible purchases in your first 3 months.
Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $10,000 in everyday eligible purchases in your first 14 months.
Once you qualify, your account will be credited in 2 instalments:
60,000 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $3,000 in eligible purchases being posted to your Account within the first 3 months of Account opening.
An additional 20,000 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after you have met the $10,000 spend threshold in your Account within the first 14 months of Account opening.
Note: For joint Accounts, the applicable bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases in the case of the 60,000 Point Bonus and the Additional 20,000 Point Bonus.
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for this offer.
*See terms and conditions for full details.
If you're looking for a premium travel card that truly delivers value on every trip, you've found it with the Scotiabank Platinum American Express® Card.
Sure the card's $399 annual fee is a tough pill to swallow, but with features like the following it makes for a smooth travel experience, especially when using the flexible Scene+ program to book hotels and flights.
- 2X the Scene+ points for every $1 spent on all eligible purchases
- No foreign transaction fee
- Full suite of travel and accident insurance
- and best of all, no spending cap on their earn rate
Real-world travel example:
Meet Michael, a Toronto-based consultant who takes four international trips per year, to see how the Scotiabank Platinum Amex card transforms his travel experience:
Booking his trip:
Michael is planning a 10-day vacation to Europe. Using the welcome bonus points he earned with the card (currently up to 80,000 bonus Scene+ points he can cover most of the cost of the flight to Berlin. He'll pay for the remainder of the fare using his card (and earning 2x Scene+ points on every $1 spent).
Travelling:
On departure day, Michael arrives at Toronto Pearson and heads straight to the Plaza Premium Lounge, accessing it for free with his card thanks to 10 complimentary airport lounge passes per year. Inside, he enjoys:
- Complimentary breakfast buffet ($25 value)
- Premium coffee and beverages ($15 value)
- Comfortable seating away from the terminal crowds
- High-speed Wi-Fi to catch up on work
During his return layover in London Heathrow, he uses another of his Priority Pass Select visits to relax in another lounge before his connecting flight. This lounge access alone provides up to $788 in value throughout the year.
That annual fee isn't looking so bad now, is it? But it gets better:
During his trip:
Michael uses his card for all purchases without the typical 2.5% foreign transaction fee that most Canadian cards charge. On his €3,000 (approximately $4,500CDN) trip expenses, he saves $112 in fees while earning 9,000 Scene+ points (worth $90 in future travel).
And if Michael's airline unexpectedly cancels his connecting flight, the card's comprehensive travel insurance kicks in, covering his €220 hotel stay and €75 meal expenses while waiting for the next available flight.
All told, the Scotiabank Platinum American Express® Card is a travel; juggernaut and one you should seriously consider getting.
Disclosures:
-
Conditions Apply. Visit here for the Scotiabank Platinum American Express® Card to learn more.*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Best Scotiabank credit card according to Reddit
up to 40,000 pts
Welcome Bonus
$1,512
First Year Value
$732
Annual Value
Welcome Bonus: Earn up to $780* in value in the first 12 months, including up to 40,000 bonus Scene+ points. Expires Jul 01, 2025
Get this card if you...
-
want exclusive travel benefits like no foreign exchange fees
-
need comprehensive travel insurance benefits
-
want to access exclusive Amex offers
Annual Fee & Annual Interest Rates
$120
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Gold American Express® Card is a rewards credit card that offers accelerated earn rates on categories such as groceries, dining, and entertainment. It also provides benefits like no foreign transaction fees and comprehensive travel insurance, making it suitable for both everyday spending and international use.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
Pros
-
Lots of daily spend options to earn multiplied point bonuses
-
Swanky Amex perks like Front of the Line presale concert tickets
-
Save on foreign transaction fees when abroad
-
Fantastic insurance coverage, especially for travel
Cons
-
Relatively low-value welcome bonus
-
$120 annual fee that chews into your point value substantially
-
Scene points redeem poorly for travel
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
0.00%
Foreign Transaction
Rewards Scene+
6x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more
5x
Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
5x
Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.
3x
Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more
3x
Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Insurance Benefits
$1,000
Mobile device insurance amount
$1,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $780* in value in the first 12 months, including up to 40,000 bonus Scene+ points. To qualify for these offers make sure to open a new Scotiabank Gold American Express credit card account (“Account”) opened between January 3, 2025 and July 1, 2025 |
Our Take
The Scotiabank Gold American Express® Card is a rewards credit card that offers accelerated earn rates on categories such as groceries, dining, and entertainment. It also provides benefits like no foreign transaction fees and comprehensive travel insurance, making it suitable for both everyday spending and international use.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
Pros
-
Lots of daily spend options to earn multiplied point bonuses
-
Swanky Amex perks like Front of the Line presale concert tickets
-
Save on foreign transaction fees when abroad
-
Fantastic insurance coverage, especially for travel
Cons
-
Relatively low-value welcome bonus
-
$120 annual fee that chews into your point value substantially
-
Scene points redeem poorly for travel
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
0.00%
Foreign Transaction
Rewards Scene+
6x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more
5x
Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
5x
Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.
3x
Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more
3x
Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Insurance Benefits
$1,000
Mobile device insurance amount
$1,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $780* in value in the first 12 months, including up to 40,000 bonus Scene+ points. To qualify for these offers make sure to open a new Scotiabank Gold American Express credit card account (“Account”) opened between January 3, 2025 and July 1, 2025 |
If you scour through enough user groups, the general consensus is that the Scotiabank Gold Amex is a great card. And it's easy to understand why. An average annual fee of $120 with high earn rates and a strong welcome bonus make it an easy credit card to love.
It earns on everyday spending. 6x the Scene+ points on groceries at Sobeys, Safeway, FreshCo, Foodland, and more. 5x the Scene+ points for every $1 on dining, food delivery, food subscriptions, movies, theatre, concert tickets and "other" grocery stores. And 3x the Scene+ points for every $1 on gas, transit, and select streaming services.
You'll also gain access to Amex Front Of the Line presale tickets, get a discount on Priority Pass Membership to over 1200 VIP lounges, and get all the travel insurance (just not travel accident) as well as mobile device, purchase security, and extended warranty protection.
Disclosures:
-
Conditions Apply. Visit here for the Scotiabank Gold American Express® Card to learn more.
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Best Scotiabank credit card for students
up to 5,000 points
Welcome Bonus
$428
First Year Value
$378
Annual Value
Welcome Bonus: Earn up to 5,000 bonus Scene+ points within your first 3 months. Expires Oct 31, 2025
Get this card if you...
-
are a student
-
want to collect SCENE points on everyday purchases
-
want a flexible rewards program
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank® Scene+™ Visa* Card is a no-annual-fee credit card designed for individuals who spend less than $10,000 annually, including students and those seeking to redeem rewards frequently without significant spending. It offers Scene+ points on everyday purchases, with elevated rates at Cineplex theatres and select grocery stores, making it ideal for moviegoers and frequent shoppers at participating retailers.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
-
No annual fee
-
Generous rewards with 2X points at Cineplex and grocery stores
-
Low redemption thresholds for various rewards
-
5,000 bonus Scene+ points as a sign-up bonus
-
Points don't expire
Cons
-
Limited earning potential for high spenders
-
Limited travel-related benefits compared to travel cards
-
Focus on entertainment and dining rewards may not suit all users
-
Limited sign-up bonus compared to cards with annual fees
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
Rewards Scene+
2x
Scene+ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more
2x
Scene+ points for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
2x
Scene+ points for every $1 you spend at Cineplex theatres or online at cineplex.com
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Earn up to 5,000 bonus Scene+ points within your first 3 months.
To qualify for these offers make sure to open a new Scotiabank Scene+ Visa credit card account (“Account”) between March 3, 2025 and October 31, 2025.
To qualify for the 5,000 bonus Scene+ points offer:
1. Earn 2,500 bonus Scene+ points by making at least $250 in everyday eligible purchases in your first 3 months.
2. You are eligible to earn an additional 2,500 Scene+ point bonus when you spend at least $1,000 in everyday eligible purchases in your first 3 months.
Once you qualify, we’ll credit your account in 2 instalments:
1. 2,500 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $250 in eligible purchases being posted to your Account within the first 3 months of Account opening.
2. An additional 2,500 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months of Account opening.
Note: For joint Accounts, the applicable bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases in the case of the 2,500 Point Bonus and the Additional 2,500 Point Bonus.
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for this offer.
See terms and conditions for full details.
Our Take
The Scotiabank® Scene+™ Visa* Card is a no-annual-fee credit card designed for individuals who spend less than $10,000 annually, including students and those seeking to redeem rewards frequently without significant spending. It offers Scene+ points on everyday purchases, with elevated rates at Cineplex theatres and select grocery stores, making it ideal for moviegoers and frequent shoppers at participating retailers.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
-
No annual fee
-
Generous rewards with 2X points at Cineplex and grocery stores
-
Low redemption thresholds for various rewards
-
5,000 bonus Scene+ points as a sign-up bonus
-
Points don't expire
Cons
-
Limited earning potential for high spenders
-
Limited travel-related benefits compared to travel cards
-
Focus on entertainment and dining rewards may not suit all users
-
Limited sign-up bonus compared to cards with annual fees
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
Rewards Scene+
2x
Scene+ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more
2x
Scene+ points for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
2x
Scene+ points for every $1 you spend at Cineplex theatres or online at cineplex.com
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Earn up to 5,000 bonus Scene+ points within your first 3 months.
To qualify for these offers make sure to open a new Scotiabank Scene+ Visa credit card account (“Account”) between March 3, 2025 and October 31, 2025.
To qualify for the 5,000 bonus Scene+ points offer:
1. Earn 2,500 bonus Scene+ points by making at least $250 in everyday eligible purchases in your first 3 months.
2. You are eligible to earn an additional 2,500 Scene+ point bonus when you spend at least $1,000 in everyday eligible purchases in your first 3 months.
Once you qualify, we’ll credit your account in 2 instalments:
1. 2,500 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $250 in eligible purchases being posted to your Account within the first 3 months of Account opening.
2. An additional 2,500 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months of Account opening.
Note: For joint Accounts, the applicable bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases in the case of the 2,500 Point Bonus and the Additional 2,500 Point Bonus.
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for this offer.
See terms and conditions for full details.
With no annual fee and a high rate of approval (you don't need a steady income), it's a quick and easy way to get students to start building credit.
As a student, you'll also earn Scene+ points. Earn 2x per dollar spent at Sobeys, FreshCo, Foodland, and Cineplex and 1x Scene+ point everywhere else. Those points can add up quickly to free groceries—a major bonus for any student, budget or not.
Let's take a look at an example of just how much money you can save each month with the Scene+ Visa as a student:
Monthly spending:
- Groceries: $300 (earns 2x Scene+ points = 600 points)
- Weekly movie nights at Cineplex: $60 (earns 2x Scene+ points = 120 points)
- Textbooks and supplies: $150 (earns 1x Scene+ points = 150 points)
- Coffee shops while studying: $80 (earns 1x Scene+ points = 80 points)
- Online subscriptions: $40 (earns 1x Scene+ points = 40 points)
In just one month, a student can earn 990 Scene+ points—without paying an annual fee or changing her spending habits. Think of these points as free money back in your pocket every time you shop.
Disclosures:
-
Conditions apply. Visit here for the Scotiabank® Scene+™ Visa* Card to learn more. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Best Scotiabank credit card for newcomers
0% intro rate
Welcome Bonus
$271
First Year Value
$171
Annual Value
Welcome Bonus: Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases); Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0). Expires Oct 31, 2025
Get this card if you...
-
want to earn cash back with no annual fee
-
value a good welcome offer
-
don't need comprehensive insurance benefits
Annual Fee & Annual Interest Rates
$0
Annual Fee
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Momentum® No-Fee Visa* Card is a no-annual-fee credit card offering cash back on everyday purchases, with elevated rates for spending at gas stations, grocery stores, drug stores, and on recurring bill payments. It also routinely comes with a generous welcome bonus.
Eligibility
Fair (300 - 619)
Recommended Credit Score
Pros
-
No annual fee: The card does not charge an annual fee, making it cost-effective for users.
-
Cash back rewards: Offers 1% cash back on eligible gas, groceries, drugstore purchases and recurring bill payments.
-
Welcome bonus: There is a welcome bonus of 5% cash back on up to $2,000 in eligible purchases within the first three months.
-
Promotional balance Transfer Rate: A promotional 0% annual interest rate on balance transfers for the first six months (with a 2% balance transfer fee).
-
Rental car discounts: Cardholders can save up to 25% off base rates at participating AVIS and Budget locations in Canada and the U.S.
Cons
-
Limited insurance: No included insurance coverage, though optional insurance bundles are available for a fee.
-
Low base rewards rate: After exceeding the $25,000 spending cap, the cash back rewards drop to a base rate of 0.5%.
-
Rigid redemption process: Cash back is accumulated monthly but can only be redeemed once annually in November.
-
Balance transfer fee: There is a 2% balance transfer fee when utilizing the promotional balance transfer rate.
-
Foreign transaction fee: The card charges a 2.5% foreign transaction fee on purchases made in a foreign currency.
-
Limited perks: Compared to other no-fee cards, the Scotiabank Momentum No-Fee Visa Card offers fewer perks and lower reward rates.
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
0.00%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
Rewards cash back
1%
Cash back at gas stations, grocery stores, drugs stores, and on recurring payments.
0.5%
Cash back on all other eligible purchases.
25%
Off base rates at Avid and Budget locations in North America.
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases); Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).
The 5% Cash Back and Introductory 0% Balance Transfer Rate Offer (the “Offer”) applies only to new Scotiabank Momentum No-Fee Visa credit card accounts (“Accounts”) that are opened by October 31, 2025 and is subject to the terms and conditions. All other terms and conditions of the Program Terms continue to apply during the Offer Period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.
Our Take
The Scotiabank Momentum® No-Fee Visa* Card is a no-annual-fee credit card offering cash back on everyday purchases, with elevated rates for spending at gas stations, grocery stores, drug stores, and on recurring bill payments. It also routinely comes with a generous welcome bonus.
Eligibility
Fair (300 - 619)
Recommended Credit Score
Pros
-
No annual fee: The card does not charge an annual fee, making it cost-effective for users.
-
Cash back rewards: Offers 1% cash back on eligible gas, groceries, drugstore purchases and recurring bill payments.
-
Welcome bonus: There is a welcome bonus of 5% cash back on up to $2,000 in eligible purchases within the first three months.
-
Promotional balance Transfer Rate: A promotional 0% annual interest rate on balance transfers for the first six months (with a 2% balance transfer fee).
-
Rental car discounts: Cardholders can save up to 25% off base rates at participating AVIS and Budget locations in Canada and the U.S.
Cons
-
Limited insurance: No included insurance coverage, though optional insurance bundles are available for a fee.
-
Low base rewards rate: After exceeding the $25,000 spending cap, the cash back rewards drop to a base rate of 0.5%.
-
Rigid redemption process: Cash back is accumulated monthly but can only be redeemed once annually in November.
-
Balance transfer fee: There is a 2% balance transfer fee when utilizing the promotional balance transfer rate.
-
Foreign transaction fee: The card charges a 2.5% foreign transaction fee on purchases made in a foreign currency.
-
Limited perks: Compared to other no-fee cards, the Scotiabank Momentum No-Fee Visa Card offers fewer perks and lower reward rates.
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
0.00%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
Rewards cash back
1%
Cash back at gas stations, grocery stores, drugs stores, and on recurring payments.
0.5%
Cash back on all other eligible purchases.
25%
Off base rates at Avid and Budget locations in North America.
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases); Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).
The 5% Cash Back and Introductory 0% Balance Transfer Rate Offer (the “Offer”) applies only to new Scotiabank Momentum No-Fee Visa credit card accounts (“Accounts”) that are opened by October 31, 2025 and is subject to the terms and conditions. All other terms and conditions of the Program Terms continue to apply during the Offer Period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.
If you're new to Canada or just starting your credit journey, you need a card that works for you, not against you. Scotiabank is offering up to $15,000 of unsecured credit when you arrive, even without credit history with their StartRight® Program.
The Scotiabank Momentum® No-Fee Visa* Card is a great option because it provides Canadian newcomers with:
- Help build their Canadian credit profile
- Not burden them with fees while settling in
- Provide rewards on essential purchases
- Be accessible without requiring extensive Canadian credit history
Real-world spending example
But the Scotiabank Momentum® No-Fee Visa* Card is a solid rewards card too. Here's a quick breakdown of how much you could earn with the card based on average monthly spending:
- Groceries: $400 (1% cash back = $4)
- Recurring bill payments (cell phone, internet, streaming): $200 (1% cash back = $2)
- Gas/transit: $150 (1% cash back = $1.50)
- Drugstore purchases: $100 (1% cash back = $1)
- Other everyday purchases: $300 (0.5% cash back = $1.50)
Total monthly cash back: $10
Annual cash back: $120
Think of this cash back as free money that helps offset Raj's settling-in expenses—without any annual fee eating into those rewards.
Disclosures:
- Conditions Apply. Visit here for the Scotiabank Momentum No-Fee to learn more
- *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Other great Scotiabank credit cards
Scotiabank has over 15 credit cards to choose from. Here are some more that fall into the runner up category for us, but may still suit you best.
Best Scotiabank credit card for travel - runner up
up to 40,000 pts*
Welcome Bonus
$1,612
First Year Value
$312
Annual Value
Welcome Bonus: Earn up to $1,300* in value in the first 12 months, including up to 40,000 bonus Scene+ points*. Expires Jul 01, 2025
Get this card if you...
-
travel often and want premium travel perks like lounge access
-
want to avoid paying foreign exchange fees
-
appreciate a good welcome offer
Annual Fee & Annual Interest Rates
$150
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
No FX fees means the card saves you significant expenses on foreign transaction fees
-
Earn up to 3x Scene+ points per $1 spent on eligible purchases
-
Flexible and straightforward redemption program
-
Visa acceptance globally compared to American Express, especially outside major cities
-
Enjoy six annual visits to airport lounges
-
Robust insurance offerings, including extended travel emergency medical coverage
-
Access to Visa Infinite Program benefits, with added advantages like a free supplementary card
Cons
-
High annual fee
-
Limited rewards categories for earning reward max rate on purchases
-
Primarily best for travel within Canada
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,300 in value in the first 12 months, including up to 40,000 bonus Scene+ points*.
|
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
No FX fees means the card saves you significant expenses on foreign transaction fees
-
Earn up to 3x Scene+ points per $1 spent on eligible purchases
-
Flexible and straightforward redemption program
-
Visa acceptance globally compared to American Express, especially outside major cities
-
Enjoy six annual visits to airport lounges
-
Robust insurance offerings, including extended travel emergency medical coverage
-
Access to Visa Infinite Program benefits, with added advantages like a free supplementary card
Cons
-
High annual fee
-
Limited rewards categories for earning reward max rate on purchases
-
Primarily best for travel within Canada
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,300 in value in the first 12 months, including up to 40,000 bonus Scene+ points*.
|
It falls right between the Scotiabank Amex Platinum and the Scotiabank Gold Amex, but it's a Visa.
Its earn rate isn't as strong as the gold Amex, but at 3x Scene+ points at Sobeys/FreshCo, 2x the Scene+ points at other grocery stores, dining, entertainment, and transit, and 1 Scene+ point per $1 spent everywhere else, it's still pretty sweet.
Disclosures:
-
Rates, fees and other information are effective as of January 3, 2025. Subject to change.
Conditions Apply. Visit here for the Scotiabank Passport® Visa Infinite* Card to learn more.
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Best Scotiabank credit card for cash back - runner up
2.99% intro rate
Welcome Bonus
$303
First Year Value
$0
Annual Value
Welcome Bonus: Get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months. Expires Oct 31, 2025
Get this card if you...
-
want to earn cash back on everyday purchases
-
don't mind paying a modest annual fee
-
value extended warranty and purchase protection
Annual Fee & Annual Interest Rates
$39
Annual Fee
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Momentum® Visa* Card is a cash back credit card offering cash back on eligible gas station, grocery store, drug store purchases, and recurring bill payments and other eligible purchases. Cardholders benefit from purchase security and extended warranty protection, as well as discounts on car rentals at participating AVIS and Budget locations in Canada and the U.S.; however, the card carries an annual fee, and cash back is awarded only once per year as a statement credit, which may not suit those preferring more frequent redemption options.
Eligibility
Fair (300 - 619)
Recommended Credit Score
Pros
-
Cash back rewards: Earn 2% cash back on gas, groceries, drug stores, and recurring bill payments, and 1% on all other eligible purchases.
-
Annual cap benefits: The 2% cash back applies up to $25,000 spent annually in key categories, allowing for substantial rewards accumulation.
-
Purchase security and extended warranty: Offers protection for new purchases against theft, loss, or damage and extends the manufacturer's warranty.
-
Supplementary cards available: Although there's a fee, additional cards can be useful for shared expenses.
Cons
-
Annual fee: The card has an annual fee of $39.
-
High interest rate: The card has a high interest rate of 19.99% on purchases and 22.99% on cash advances.
-
Limited rewards categories: The card’s rewards categories are limited to groceries, gas, and recurring bill payments.
-
Rewards paid out annually: Cash back rewards are paid out annually as a statement credit.
-
$25,000 annual cap for 2% cash back: The 2% cash back rate applies up to the first $25,000 spent annually on gas station, grocery store and drugstore purchases, and on recurring payments.
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
2.99%
Purchase (Introductory)
2.99%
Balance Transfer (Introductory)
Fees
$39
Annual Fee
2.50%
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
Rewards cash back
2%
cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments.
1%
cash back on all other eligible purchases.
25%
savings off base rates at participating AVIS locations and at participating Budget locations in North America.
90
days of purchase security on most items purchased with your card.
1
extra year on top of manufacturer's warranty.
Get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (19.99% on purchases/22.99% on cash advances including balance transfers after that).
Our Take
The Scotiabank Momentum® Visa* Card is a cash back credit card offering cash back on eligible gas station, grocery store, drug store purchases, and recurring bill payments and other eligible purchases. Cardholders benefit from purchase security and extended warranty protection, as well as discounts on car rentals at participating AVIS and Budget locations in Canada and the U.S.; however, the card carries an annual fee, and cash back is awarded only once per year as a statement credit, which may not suit those preferring more frequent redemption options.
Eligibility
Fair (300 - 619)
Recommended Credit Score
Pros
-
Cash back rewards: Earn 2% cash back on gas, groceries, drug stores, and recurring bill payments, and 1% on all other eligible purchases.
-
Annual cap benefits: The 2% cash back applies up to $25,000 spent annually in key categories, allowing for substantial rewards accumulation.
-
Purchase security and extended warranty: Offers protection for new purchases against theft, loss, or damage and extends the manufacturer's warranty.
-
Supplementary cards available: Although there's a fee, additional cards can be useful for shared expenses.
Cons
-
Annual fee: The card has an annual fee of $39.
-
High interest rate: The card has a high interest rate of 19.99% on purchases and 22.99% on cash advances.
-
Limited rewards categories: The card’s rewards categories are limited to groceries, gas, and recurring bill payments.
-
Rewards paid out annually: Cash back rewards are paid out annually as a statement credit.
-
$25,000 annual cap for 2% cash back: The 2% cash back rate applies up to the first $25,000 spent annually on gas station, grocery store and drugstore purchases, and on recurring payments.
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
2.99%
Purchase (Introductory)
2.99%
Balance Transfer (Introductory)
Fees
$39
Annual Fee
2.50%
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
Rewards cash back
2%
cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments.
1%
cash back on all other eligible purchases.
25%
savings off base rates at participating AVIS locations and at participating Budget locations in North America.
90
days of purchase security on most items purchased with your card.
1
extra year on top of manufacturer's warranty.
Get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (19.99% on purchases/22.99% on cash advances including balance transfers after that).
At a low annual fee of $39, you can still earn decent cash back with 2% on everyday purchases and 1% on everything else.
This is also one of the best balance transfer credit cards where you only pay a 2.99% introductory interest rate on balance transfers.
Disclosures:
- Conditions Apply. Visit here for the Scotiabank Momentum® Visa to learn more.
- *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Best Scotiabank credit card for travel with no annual fee
up to 5,000 points
Welcome Bonus
$470
First Year Value
$420
Annual Value
Welcome Bonus: Earn up to 5,000 bonus Scene+ points within your first 3 months (that’s up to $50 towards travel). Expires Jul 01, 2025
Get this card if you...
-
want to quickly rack up SCENE points
-
want to access exclusive SCNE and Amex offers
-
value a great welcome offer
Annual Fee & Annual Interest Rates
$0
Annual Fee
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Platinum American Express® Card is a premium travel rewards credit card offering elevated earn rates on all eligible purchases, with additional benefits such as complimentary airport lounge access and comprehensive travel insurance. It charges no foreign transaction fees and provides access to exclusive events.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
-
Earn 5,000 welcome bonus rewards points.
-
Earn up to three Scene+ points on everyday spending.
-
Earn points across five different categories, including food, travel, entertainment and streaming.
-
No annual fee.
Cons
-
The welcome bonus is lower compared to other rewards cards.
-
American Express isn’t accepted everywhere.
-
Limited insurance coverage.
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
Rewards Scene+
3x
Scene+ points on every $1 you spend at Sobeys, Safeway, Freshcoand more
2x
Scene+ points for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions.
2x
Scene+ points for every $1 you spend on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
2x
Scene+ points for every $1 you spend on eligible gas and daily transit. Includes ride shares, buses, subway, taxis and more
2x
Scene+ points for every $1 you spend on eligible select streaming services
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$500
Mobile device insurance amount
Earn up to 5,000 bonus Scene+ points within your first 3 months (that’s up to $50 towards travel).
To qualify for these offers make sure to open a new Scotiabank American Express credit card account (“Account”) between November 1, 2024 and July 1, 2025.
To qualify for the 5,000 bonus Scene+ points offer:
1. Earn 2,500 bonus Scene+ points by making at least $250 in everyday eligible purchases in your first 3 months.
2. You are eligible to earn an additional 2,500 Scene+ point bonus when you spend at least $1,000 in everyday eligible purchases in your first 3 months.
Once you qualify, we’ll credit your account in 2 instalments:
1. 2,500 bonus Scene+ points will be credited to the applicable account approximately8 weeks following the qualifying $250 in eligible purchases being posted to your Account within the first 3 months of Account opening.
2. An additional 2,500 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months of Account opening.
Note: For joint Accounts, the applicable bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases in the case of the 2,500 Point Bonus and the Additional 2,500 Point Bonus.
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for this offer.
See terms and conditions for full details.
Our Take
The Scotiabank Platinum American Express® Card is a premium travel rewards credit card offering elevated earn rates on all eligible purchases, with additional benefits such as complimentary airport lounge access and comprehensive travel insurance. It charges no foreign transaction fees and provides access to exclusive events.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
-
Earn 5,000 welcome bonus rewards points.
-
Earn up to three Scene+ points on everyday spending.
-
Earn points across five different categories, including food, travel, entertainment and streaming.
-
No annual fee.
Cons
-
The welcome bonus is lower compared to other rewards cards.
-
American Express isn’t accepted everywhere.
-
Limited insurance coverage.
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
Rewards Scene+
3x
Scene+ points on every $1 you spend at Sobeys, Safeway, Freshcoand more
2x
Scene+ points for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions.
2x
Scene+ points for every $1 you spend on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
2x
Scene+ points for every $1 you spend on eligible gas and daily transit. Includes ride shares, buses, subway, taxis and more
2x
Scene+ points for every $1 you spend on eligible select streaming services
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$500
Mobile device insurance amount
Earn up to 5,000 bonus Scene+ points within your first 3 months (that’s up to $50 towards travel).
To qualify for these offers make sure to open a new Scotiabank American Express credit card account (“Account”) between November 1, 2024 and July 1, 2025.
To qualify for the 5,000 bonus Scene+ points offer:
1. Earn 2,500 bonus Scene+ points by making at least $250 in everyday eligible purchases in your first 3 months.
2. You are eligible to earn an additional 2,500 Scene+ point bonus when you spend at least $1,000 in everyday eligible purchases in your first 3 months.
Once you qualify, we’ll credit your account in 2 instalments:
1. 2,500 bonus Scene+ points will be credited to the applicable account approximately8 weeks following the qualifying $250 in eligible purchases being posted to your Account within the first 3 months of Account opening.
2. An additional 2,500 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months of Account opening.
Note: For joint Accounts, the applicable bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases in the case of the 2,500 Point Bonus and the Additional 2,500 Point Bonus.
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for this offer.
See terms and conditions for full details.
You may not be ready to afford travel, but for no annual fee you can get started earning Scene+ points which you can redeem for groceries, entertainment...and future travel.
For a lack of annual fee, the earn rates are still good, too.
Earn 3x Scene+ points on every $1 you spend at Sobeys, Safeway, FreshCo, and Foodland. Earn 2x Scene+ points for every $1 you spend on restaurants, fast food, drinking establishments, movie and theatre tickets, and other eligible grocery stores. Earn2x Scene+ points for every $1 you spend on eligible gas and daily transit and select streaming services.
Plus they throw in mobile device insurance, purchase security and extended warranty protection.
Disclosures:
-
Conditions Apply. Visit here for the Scotiabank American Express® Card to learn more. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Expert tip: How to bundle a bank account with a Scotiabank credit card
From low interest to cash back to student, it’s easy to find a Scotiabank card that fits your life right now. Plus, if you are already a Scotiabank customer then choosing a Scotiabank credit card makes it even easier to pay off, increase your limit, and even upgrade or switch credit cards as needed. Another perk to choosing a credit card branded under your bank is that they may allow you to bundle finance products, including credit cards, which can result in savings. Speak to a Scotiabank representative to discuss any bundle options.
—Hannah Logan, Money.ca credit card, saving and travel expert
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About Scotiabank
Scotiabank is a Canada-based international bank that provides full banking and financial services to Canadian and international customers through over 900 branches, as well as an online banking platform. Along with top Scotiabank savings and chequing accounts, business banking, and wealth management, Scotiabank offers one of the biggest ranges of credit cards in Canada. Scotiabank credit cards include many kinds of reward cards and cashback cards from all three major processors in Canada: Mastercard, Visa, and Amex.
How do Scotiabank credit cards work?
Scotiabank credit cards offer Canadians flexible payment options, valuable rewards, and additional benefits that can enhance your financial life. But how do Scotiabank's credit cards work?
When you use a Scotiabank credit card, you're borrowing money from Scotiabank with an interest-free grace period—typically 21 days from your statement date. This grace period is a financial opportunity that savvy cardholders take full advantage of.
To avoid interest charges, you must pay your full statement balance by the due date. We strongly recommend setting up automatic payments for at least the minimum amount to protect your credit score, though paying in full is always the best strategy for your financial health.
Scotiabank issues a surprising variety of credit cards, meaning Canadians can find just about everything they need in one place.
- Cash back credit cards (Scotiabank Momentum® Visa Infinite*, Scotiabank Momentum® No-Fee Visa*)
- Travel rewards credit cards (Scotiabank Passport™ Visa Infinite*, Scotiabank Platinum American Express®)
- Scene+ rewards credit cards (Scotiabank® Scene+™ Visa*, Scotiabank® American Express®)
- No-fee credit cards (Scotiabank Value® Visa*, Scotiabank Momentum® No-Fee Visa*)
- Low interest credit cards (Scotiabank Value® Visa*)
- Student credit cards (Scotiabank® Scene+™ Visa* Card for students,)
- Premium credit cards (Scotiabank Platinum American Express®)
Rewards program limitations and terms:
- Points expiration: Scene+ points don't expire as long as your account remains active
- Points earning caps: Some cards have monthly or annual caps on rewards categories
- Point value: Scene+ points are typically worth $0.01 each when redeemed for travel
- Cash back payment schedule: Annual redemption on most cash back cards, paid as a statement credit
Account limitations and terms:
- Rate changes: Scotiabank can change interest rates with advance notice (typically 30 days)
- Agreement changes: Terms can be modified with notice to cardholders
- Card cancellation: You can cancel anytime, but must pay outstanding balances
- Account closure by bank: Can occur due to delinquency, inactivity, or fraud concerns
To be considered for a Scotiabank credit card, you’ll need to meet the following requirements:
- You are a Canadian resident
- You’re at least the age of majority in the province or territory in which you reside
- You haven’t declared bankruptcy in the past seven years
- You meet the minimum personal, household, or total assets under management requirement (varies by card)
- You must consent to allow Scotiabank to access your credit profile
Although Scotiabank doesn’t expressly state what credit score is required to be approved for a Scotiabank credit card, your credit score should be at least 700, meaning your credit is in good standing.
How to apply for a Scotiabank credit card in Canada
You can easily get the best Scotiabank credit card by following these steps:
- Read our Scotiabank credit card reviews to see which one best suits your needs and goals.
- Click the ‘Apply Now’ button for the card you want.
- See if you meet the requirements for the card.
- Enter your personal info.
- If you’re not instantly approved, contact Scotiabank and provide any additional information.
- Wait for your card to arrive.
- Once your card arrives, easily activate it by following the instructions provided.
Scotiabank credit card rewards programs
Scotiabank has two types of rewards programs: cash back and Scene+. The type of rewards you’ll earn depends on the credit card you have.
With Scotiabank’s cash back program, you’ll earn cash back on all eligible purchases. The amount of cash back you’ll earn depends on the card you have and where you’re making the purchase. Any cash back you’ve earned will appear on your monthly statement. Your cash back gets paid out once a year on your November statement. In December, your cash back earning starts over again.
Scene+ is Scotiabank’s rewards program that allows you to redeem your points for various products such as:
- Groceries. Use your points at Empire-owned grocery stores like Sobeys, Safeway, Foodland, Fresh Co, IGA, Voila, and more.
- Travel. Redeem your points instantly when booking travel through the Scene+ travel portal. You can apply points (5,000 points minimum) to travel charged directly to your Scotiabank credit card as a statement credit.
- Movies. Purchases made at Cineplex theatres or Cineplex.com can be offset with your Scene points.
- Dining. Select restaurants such as Montana’s, Swiss Chalet, Harvey’s, and East Side Marios allow you to redeem points to get cash off your meal.
- Gift cards. The Scene+ website has dozens of gift cards available to some top retailers such as Amazon, Costco, Esso and Canadian Tire.
- Merchandise. If you prefer something physical, you can use your points on merchandise, such as electronics, small appliances, perfume, and more.
- Statement credit. Use your points to offset your current credit card balance.
Although Scene+ has many redemption options, they don’t all offer the same value. Redeeming your points for groceries, travel, movies, and participating restaurants gives you the best value. Gift cards, merchandise, and statement credits offer less value for your earned points.
Besides earning Scene+ points with a Scotiabank credit card, you can also earn points at participating grocery stores, Cineplex, participating restaurants, and Rakuten.ca. Scene+ points expire after 24 months of inactivity.
What are Scene+ points worth?
Scene+ points have a steady value across most redemption options, typically worth $0.01 per point. That said, there are some variations in point value of which you should be aware.
Here's the breakdown of what Scene+ points are worth across different redemption options:
- Travel: 100 points = $1 (0.01 per point value)
- Statement credits: 0.0067-0.0069 per point (variable)
- Gift cards: 0.007-0.01 per point (variable)
- Cineplex: 100 points = $1 (0.01 per point value)
- Groceries (Sobeys): 1,000 points = $10 (0.01 per point value)
- Dining (partners): 500 points = $5 (0.01 per point value)
- Home Hardware: 1,000 points = $10 (0.01 per point value)
Pros and cons of Scotiabank credit cards
Pros
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Variety of credit card options to best meet your needs, preferences and lifestyle
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Scotiabank offers credit cards by all three major credit card networks - Amex, Visa and Mastercard
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Opportunity to avoid foreign transaction fees and high interest
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Double-dip points at merchants that allow you to earn Scene+ points by scanning your Scene+ card and then paying with a credit card that earns you Scene+ points
Cons
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Some rewards cards can have higher interest rates than traditional credit cards
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Most Scotiabank rewards cards come with annual fees
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If you struggle with money management, rewards cards can encourage unnecessary spending
Popularity of Scotiabank credit cards across Canada
As part of a recent Money.ca consumer survey, we asked a group of 2,000 Canadians which credit card they use. Here’s what the data reveals:
- Nova Scotia has the highest percentage of Scotiabank credit cardholders at 30.80%, which significantly surpasses other provinces and territories.
- Newfoundland and Labrador follows with 27.40%, making it the second-highest region for Scotiabank cardholders.
- Ontario is third with 25.20%, reflecting a strong presence of Scotiabank cardholders in Canada's most populous province.
- Alberta and Manitoba show similar figures, with 20.00% and 22.90%, respectively, suggesting moderate adoption.
- Quebec has the lowest percentage among provinces at 16.40%, indicating a weaker penetration of Scotiabank cards in this region.
Overall, Scotiabank seems to have the strongest presence in Atlantic Canada, especially in Nova Scotia and Newfoundland and Labrador.
Best Scotiabank credit cards in Canada, compared
| Scotiabank credit card | Best for | Apply now |
|---|---|---|
| Scotiabank Passport® Visa Infinite* Card | Travel | Apply now |
| Scotiabank Momentum® Visa Infinite* Card | Cash back | Apply now |
| Scotiabank Gold American Express® Card | Scene+ points | Apply now |
| Scotiabank® Scene+™ Visa* Card | Students | Apply now |
| Scotiabank Momentum® Visa* Card | Balance transfers | Apply now |
| Scotiabank Momentum® No-Fee Visa* Card | Balance transfers and cash back | Apply now |
| Scotiabank American Express® Card | No annual fee travel | Apply now |
| Scotiabank Platinum American Express® Card | Airport lounge access | Apply now |
| Scotiabank Momentum® Mastercard®* credit card | Everyday expenses | Apply now |
| Scotiabank® U.S. Dollar Visa* Card | U.S. Dollar purchases with no currency conversion fees. | Apply now |
| Scotiabank Value® Visa* Card | Great rates | Apply now |
Are Scotiabank credit cards worth it?
Scotiabank credit cards deserve serious consideration for most Canadians. With strong cash back options like the Momentum® Visa Infinite* for everyday spenders, the Scene+™ program for entertainment and travel enthusiasts, and no-fee options for budget-conscious consumers, Scotiabank offers cards that cater to virtually every Canadian lifestyle.
These cards are particularly valuable for those already banking with Scotiabank who can benefit from relationship bonuses and streamlined financial management. The bank's commitment to competitive welcome bonuses and robust insurance packages on premium cards makes them stand out in Canada's crowded credit card market.
Whether you're a student, newcomer, or seasoned credit card user, Scotiabank likely has a card that will deliver real value to your financial life.
Scotiabank credit card FAQs
Barry Choi is a Toronto-based personal finance and travel expert who makes frequent media appearances. When he's not educating people on how to be smarter with money, he's earning and burning miles and points for luxury travel.
Cory Santos is a finance writer, editor and credit card expert with nearly a decade of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, St. Louis Post-Dispatch, Debt.ca, AOL, MSN and Medium as well as financial podcasts like KOFE Talk.
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