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All credit cards
Browse all the Scotia credit cards.
Choose the credit card that’s right for you
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value rewards and benefits that can be earned with this Card and willing to pay an annual fee
- Meet a minimum annual income of $60,000 or a minimum household income of $100,000 or minimum assets under management of $250,000
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Rarely travel, rarely make foreign currency purchases, or rarely need travel insurance coverage
- Prefer cash back rewards
- Prefer not to pay an annual fee
TRAVEL AND LIFESTYLE
Scotiabank Passport® Visa Infinite* Card
Earn up to $1,300+ in value in the first 12 months, including up to 40,000 bonus Scene+ points.‡
Earn 3 Scene+ points1 on every $1 you spend at Sobeys, Safeway, IGA, Foodland & Participating Co-ops and more.
Annual fee: $150
Interest rates: 20.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee
- Meet a minimum annual income of $60,000 or a minimum household income of $100,000 or minimum assets under management of $250,000
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Prefer not to pay an annual fee
CASH BACK
Scotia Momentum® Visa Infinite* Card
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 additional cards.1
Annual fee: $120
Interest rates: 20.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Prefer cash back rewards
- Rarely travel or make foreign currency purchase
TRAVEL AND LIFESTYLE
Scotiabank Gold American Express® Card
Earn up to $750* in value in the first 12 months, including up to 40,000 bonus Scene+ points.1
Earn 6 Scene+ points2 on every $1 CAD you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and more.
Annual fee: $120
Interest rates: 20.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Prefer cash back rewards
- Prefer a card with certain embedded insurance benefits
SCENE+
Scotiabank® Scene+TM Visa* Card
Earn up to 5,000 bonus Scene+ points within your first 3 months.2
Earn 2 Scene+ points4 on every $1 you spend at Sobeys, Safeway, Foodland & Participating Co-ops, FreshCo and more.
Earn 2 Scene+ points4 on every $1 you spend at Home Hardware.
Annual fee: $0
Interest rates: 20.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Prefer other types of rewards available with our other Cards
CASH BACK
Scotia Momentum® Visa* Card
Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).2
Annual fee: $39
Interest rates: 19.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards
NO ANNUAL FEE
Scotia Momentum® No-Fee Visa* Card
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).2
Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (2% fee per cash advance, 22.99% after that; annual fee $0).2
Annual fee: $0
Interest rates: 19.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building, that can also help you to build your credit history if you make at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards
TRAVEL AND LIFESTYLE
Scotiabank American Express® Card
Earn up to 7,500 bonus Scene+ points within your first 3 months (that’s up to $75 towards travel).1
Earn 3 Scene+ points1 on every $1 you spend at Sobeys, Safeway, FreshCo, Foodland and more.
Annual fee: $0
Interest rates: 19.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Rarely travel, rarely make foreign currency purchases, or rarely need travel insurance coverage
- Prefer cash back rewards
TRAVEL AND LIFESTYLE
Scotiabank Platinum American Express® Card
Earn up to $2,500* in value in the first 14 months, including up to 80,0004 bonus Scene+ points.
Earn 2X the Scene+ points1 for every $1 you spend.
Annual fee: $399
Interest rates: 9.99% purchases / 9.99% cash advances
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value rewards and benefits that can be earned with this Card and willing to pay an annual fee
- Meet a minimum annual income of $150,000 or a minimum household income of $200,000 or minimum assets under management of $400,000
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Rarely travel, rarely make foreign currency purchases, or rarely need travel insurance coverage
- Prefer cash back rewards
- Prefer not to pay an annual fee
TRAVEL AND LIFESTYLE
Scotiabank Passport® Visa Infinite Privilege* Card
Earn up to 80,000 bonus Scene+ points in your first 14 months. That’s up to $800 in value.‡
Earn 3 Scene+ points for every $1 you spend on eligible travel purchases.7
Earn 2 Scene+ points for every $1 you spend on eligible dining and entertainment.7
Annual fee: $599
Interest rates: 20.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases, that can also help you to build your credit history if you make at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards
CASH BACK
Scotia Momentum® Mastercard®* credit card
Earn 1% cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.1
7.99% introductory interest rate on purchases for the first 6 months (20.99% after that; annual fee $0).2
Annual fee: $0
Interest rates: 20.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure U.S. dollar payment method for everyday purchases, that can also help you to build your credit history if you make at least your minimum payments on time each month
- Want an interest free grace period on purchases
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Don’t make transactions in U.S. dollars or do not have a means to pay in U.S. dollars
SHOPPING COVERAGE
Scotiabank® U.S. Dollar Visa* Card
Worry-free U.S. dollar purchases with no currency conversion fees.
Annual fee: $35
Interest rates: 19.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Would like the option of paying an annual fee to receive a lower interest rate
- Want to obtain a convenient and secure payment method for everyday purchases, that can also help you to build your credit history if you make at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Usually carry a balance on your card (consistently each month)
May not be right for you if you:
- Prefer cash back or reward points
- Don’t mind a higher interest rate on your card as you don’t carry a balance often (consistently pay off your balance in full), and value additional rewards and benefits offered by one of our other Cards
LOW INTEREST
Scotiabank Value® Visa* Card
0.99% introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance, 13.99% after that; annual fee $29).2 Plus no annual fee in the first year.2
Save up to hundreds of dollars a year on interest.
Annual fee: $29
Interest rates: 13.99% purchases / 13.99% cash advances
Is this credit card right for you?
Right for you if you:
- Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
- Value the rewards and benefits that can be earned with this Card
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards
- Prefer cash back rewards
- Prefer a card with certain embedded insurance benefits
STUDENT
Scotiabank® Scene+TM Visa* Card (for students)
Earn up to 5,000 bonus Scene+ points within your first 3 months.2
Earn 2 Scene+ points4 on every $1 you spend at Sobeys, Safeway, Foodland & Participating Co-ops, FreshCo and more.
Earn 2 Scene+ points4 on every $1 you spend at Home Hardware.
Annual fee: $0
Interest rates: 20.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
- Want to obtain a convenient and secure payment method for everyday purchases, that can also help you to build your credit history if you make at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Would like the option of paying an annual fee to receive a lower interest rate
- Usually carry a balance on your card (consistently each month)
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards
- Prefer cash back or reward points
- Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards
STUDENT
Scotiabank Value® Visa* Card (for students)
Save up to hundreds of dollars a year on interest.1
0.99% introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance, 13.99% after that; annual fee $29).2 Plus no annual fee in the first year.2
Annual fee: $29
Interest rates: 13.99% purchases / 13.99% cash advances
Is this credit card right for you?
Right for you if you:
- Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
- Want to obtain a convenient and secure payment method for everyday purchases, that can also help you to build your credit history if you make at least your minimum payments on time each month
- Want an interest-free grace period on purchases'
- Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards
- Prefer other types of rewards available with our other Cards
STUDENT
Scotia Momentum® Visa* Card (for students)
Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).2
Annual fee: $39
Interest rates: 19.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
- Want to obtain a convenient and secure payment method for everyday purchases
- Value the rewards and benefits that can be earned with this Card
- Interested in building your credit history if you make at least your minimum payments on time each month
- Want an interest-free grace period on purchases
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards
- Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards
STUDENT
Scotia Momentum® No-Fee Visa* Card (for students)
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).2
Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (2% fee per cash advance, 22.99% after that; annual fee $0).2
Annual fee: $0
Interest rates: 19.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
- Want to obtain a convenient and secure payment method for everyday purchases
- Value the rewards and benefits that can be earned with this Card
- Interested in building your credit history if you make at least your minimum payments on time each month
- Want an interest -free grace period on purchases
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards
- Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards
STUDENT
Scotiabank American Express® Card (for students)
Earn up to 7,500 bonus Scene+ points within your first 3 months (that’s up to $75 towards travel).4
Earn 3 Scene+ points1 on every $1 you spend at Sobeys, Safeway, FreshCo, Foodland and more.
Annual fee: $0
Interest rates: 19.99% purchases / 22.99% cash advances