Scotiabank’s Best Credit Cards in Canada in 2025

As one of Canada's Big Five Banks, millions of Canadians trust Scotiabank to manage their finances. It offers many credit cards to suit everyone's needs, whether you're a frequent traveler or want to save money on your daily purchases. Below, Hardbacon shares its selection of the best Scotiabank credit cards according to your preferences. To push your research further, go to our credit card comparison tool.

 The best Scotiabank credit cards with no annual fee

Credit card fees can be a turn-off for many people. Fortunately, Scotiabank offers several cards with different benefits that have no annual fees. Paying less in fees can save you some money and still get your rewards.

 The SCENE Visa Credit Card

The SCENE Visa Credit Card continues to be a favorite of moviegoers across the country. For every purchase at Cineplex cinemas or at cineplex.com, you earn five SCENE points for every dollar spent. For all other purchases, you get one point per dollar spent. By accumulating 1,250 points, you can see a movie for free. SCENE points also allow you to eat for less at participating restaurants, as you get $10 off in exchange of 1,000 points.

By applying by November 21, 2021, you could earn 2,500 SCENE points as a welcome bonus. All you have to do is make $500 in purchases within three months of joining. These points get you two free movies! This card also entitles you to a discount of up to 25% on car rental at Avis and Budget locations in Canada and the United States.

The SCENE Visa Credit Card is available at no annual fee. It has an interest rate of 19.99% on purchases, 22.99% on cash advances, and a minimum credit limit of $500. To apply, you must have a minimum annual income of $12,000. A student version of this credit card is also available, with a welcome offer of 1,250 points.

 Scotia Momentum No-Fee Visa Card

If you want to pay less, the Scotia Momentum No-Fee Visa Card is for you. As the name suggests, it has no annual fees. It also has an interest rate of 19.99% on purchases and 22.99% on cash advances. With this card, you earn 1% cash back at gas stations, grocery stores, pharmacies and on recurring payments. All other purchases earn you 0.5% back per dollar spent.

Until November 21, 2021, you are entitled to a particularly generous welcome offer. You get 5% back on all your purchases for the first three months, up to a maximum of $2,000. You also benefit from an interest rate of 1.99% on balance transfers for the first six months after joining. These benefits make it a credit card particularly popular among new Canadian immigrants.

This card allows for a minimum credit limit of $500. To qualify, you must have a minimum income of $12,000. Another one of its benefits is a discount of up to 25% at Avis and Budget car rental locations in Canada and the United States.

 Scotiabank American Express Credit Card

The Scotiabank American Express Credit Card allows you to earn one Scotia Rewards Point for every dollar spent on eligible purchases. Until November 21, 2021, a welcome offer allows you to earn 5,000 Bonus Scotia Rewards Points by making $500 in everyday purchases in the first three months of use. This card has no annual fees, and you can get a second card for free. Additional cards cost $50 annually. Its interest rate is 19.99% on purchases and 22.99% on cash advances and balance transfers. It has a minimum credit limit of $1,000 and an annual income of $12,000 is required to apply.

The Scotiabank American Express Card offers the ability to take advantage of special offers and experiences as well as privileged access through the American Express Invites program. You are also entitled to discounts of up to 25% on car rental at participating Avis and Budget locations in Canada and the United States. Additionally, four types of travel coverage are available with this credit card: travel emergency medical insurance for up to eight days, trip interruption insurance, rental car collision/loss damage insurance and travel accident insurance.

Scotia Momentum Mastercard Credit Card

The Scotia Momentum Mastercard Credit Card allows you to earn cash back on everyday purchases. You earn 1% cash back at gas stations, grocery stores, pharmacies and on your recurring payments. On all other eligible purchases, you earn 0.5% back. 

This card has no annual fee, and neither does the first additional card; subsequent cards have a $50 annual fee. From now until November 21, 2021, you get an interest rate of only 7.99% on purchases for the first six months after joining. After that, the rate increases to 20.99%, and 22.99% on cash advances. An annual income of at least $12,000 is required and the minimum credit limit is $500.

The Scotia Momentum Mastercard Credit Card is the only Scotiabank credit card accepted at Costco. It also gives you access to the Priceless Cities program, which offers exclusive events around the world. Finally, as with other Scotiabank cards, you are entitled to a discount of up to 25% at Avis and Budget car rental in North America.

The best Scotiabank cash back credit cards

Scotiabank offers cash back credit cards, a great way to save money every time you make purchases. How much you get back depends on how much you spend. It's still a great way to optimize your budget.

 Scotia Momentum Visa Credit Card

The Scotia Momentum Visa Credit Card allows you to earn cash back on your everyday purchases. For every dollar spent at a gas station, grocery store, pharmacy, and on recurring payments such as phone bills, you earn 2% back. For all other purchases, you get 1% back for every dollar spent.

As a welcome offer, you are entitled to a 2.99% introductory rate on balance transfers for the first six months. All you have to do is apply by November 21, 2021. This card also entitles you to a discount of up to 25% on vehicle rental from Avis and Budget in Canada and the United States.

The Scotia Momentum Visa Credit Card is available for $39 annually, and each additional card is available for $15 per year. Its interest rate is 19.99% on purchases and 22.99% on cash advances and balance transfers after the welcome offer. To apply, your annual income must be at least $12,000.

Scotia Momentum Visa Infinite Credit Card

The Scotia Momentum Visa Infinite Credit Card offers the highest discount rate on our list. You get 4% back on grocery store purchases and recurring payments, including phone bills, and streaming subscriptions. You also get 2% on gas and public transport and 1% on all other purchases.

As a Visa Infinite credit card holder, you have access to exclusive benefits, such as 24/7 concierge service and the Visa Infinite Hotel Collection program, which comes with an automatic room upgrade at a wide selection of hotels. There's also the Visa Infinite Dining Series and Wine country program, which allows you to dine with some of the biggest names in the food and wine industry in a private setting. Finally, like other Scotiabank credit cards, you can also take advantage of discounts at Avis and Budget car rental locations in North America. Additionally, you have access to a full range of travel insurance, including 15-day emergency medical insurance, as well as mobile device insurance with coverage of up to $1,000.

This card includes an annual fee of $120 and $50 for each additional card. However, by enrolling by November 21, 2021, these fees will be waived for the first year. It has an interest rate of 20.99% on purchases and 22.99% on cash advances. It has a minimum credit limit of $5,000 and to get it, you must have a minimum annual personal income of $60,000 or a household income of at least $100,000.

 The best Scotiabank credit cards for travelers

Do you travel often? Scotiabank offers cards that can pay off for globetrotters. This is great for travel hacking.

Scotiabank Passport Visa Infinite Credit Card

The Scotiabank Passport Visa Infinite Credit Card allows you to earn Scotia Rewards Points. These points can be redeemed for travel rewards, thousands of online items, and even credit on your banking services. You earn two Scotia Rewards Points for every dollar spent at grocery stores, restaurants, entertainment venues or public transit. You earn one Scotia Rewards Point for every dollar spent on any other eligible purchase.

In its first year of use, you'll benefit from a welcome offer to earn up to 40,000 Scotia Rewards Points: 30,000 points can be earned by spending $1,000 on eligible purchases in the first three months and 10,000 points can be earned by spending at least $40,000 on eligible purchases in the first year. In addition, your annual fee will be waived for the first year and you will get five times the rewards points on travel purchases in the first three months. To benefit from this offer, you must apply by November 21, 2021.

A great benefit of this credit card is that there are no currency conversion fees, which usually amount to between 2.5% to 3%. This means that your purchases will be exempt from these fees, both for online purchases and for purchases at a business outside of Canada. Only the exchange rate applies.

The Scotiabank Passport Visa Infinite Credit Card also entitles you to a complimentary Priority Pass membership and six free annual visits to thousands of airport lounges around the world. You can also benefit from automatic upgrades to a wide selection of hotels thanks to the Visa Infinite Hotel Collection. You will be able to travel with peace of mind with the various insurances that come with this card, including a 25-day travel emergency medical insurance, trip cancellation / trip interruption insurance, flight delay insurance and delayed, lost or stolen baggage insurance, amongst others.

This card has an annual fee of $139. The first additional card is free, while each additional card costs $50 annually. It has an interest rate of 19.99% on purchases and 22.99% on cash advances. There is a minimum credit limit of $5,000 and a minimum income requirement of $60,000 per person or $100,000 per household.

ScotiaGold Passport Visa Credit Card 

With the  ScotiaGold Passport Visa Credit Card you earn one Scotia Rewards Point for every purchase you make. In addition, this card offers 5% cash back on travel booked through the Scotia Rewards Travel Service, a great benefit for frequent travelers. This travel agency also comes with a best price guarantee on airline tickets.

The welcome offer, available until November 21, 2021, allows you to earn 5,000 Scotia Rewards Points. Simply make your first purchase on your card within two months of joining. The ScotiaGold Passport Visa Credit Card offers five types of travel insurance including 25-day travel emergency medical insurance, delay and lost baggage insurance, rental car collision loss damage insurance and hotel or motel burglary insurance. Finally, it also offers additional protection for your purchases.

This credit card has an annual fee of $110 and a $30 fee for each additional card. Its interest rate is 19.99% on purchases and 22.99% on cash advances. The minimum credit limit on this card is $5,000, and you must have a minimum annual income of $12,000 to apply.

The best Scotiabank Rewards credit cards

Do you like to accumulate rewards? If you do, check out the following cards. They might appeal to you.

Scotiabank Gold American Express Credit Card

The Scotiabank Gold American Express Credit Card is one of the most generous when it comes to Scotia Rewards. It gives you five Scotia Rewards Points for every dollar spent on groceries, restaurants and drinking establishments, ready-to-cook meal subscriptions and meal delivery services, as well as on entertainment purchases including movies, theatre, and ticket agencies. You earn three times Scotia Rewards Points on every dollar spent on gas, rideshares, buses, taxis, and eligible streaming services. Finally, you earn one Scotia Rewards Point for every dollar spent on every other purchase.

The current welcome offer, effective until November 21, 2021, allows you to earn up to 50,000 Scotia Rewards Points. For the first 30,000 points, you must spend at least $1,000 during the first three months after applying. For the additional 20,000 points, you must make a minimum of $7,500 in eligible purchases in the first year. In addition to these points, you are entitled to an annual fee waiver from the first year and a 0% introductory interest rate on balance transfers for the first six months.

The Scotiabank Gold American Express Credit Card has an annual fee of $120 and an interest rate of 19.99% on purchases and 22.99% on cash advances. There is an additional fee of $29 per year for any additional cards. There are also no currency conversion fees, making it an attractive option  for travelers. The minimum credit limit for this card is $5,000 and your annual income must be at least $12,000. As an American Express credit card holder, you will be entitled to exclusive American Express Offers including discounts and rewards (shopping, dining, travel), the Front of the Line Amex Service that gives you access to pre-sale tickets to some of the most requested events, and access to American Express by Invitation Only experiences to enjoy exclusive events.

Scotiabank GM Visa Infinite Credit Card

If you're looking to save money on your next vehicle, the Scotiabank GM Visa Infinite Credit Card is for you. It allows you to accumulate GM Earnings: $1 in GM Earnings equals $1 off the purchase price or lease down payment of a new Buick, GMC, Chevrolet, or Cadillac. Each year, you receive 5% in GM Earnings on the first $10,000 and 2% on subsequent purchases. These rewards are valid as long as you are a cardholder.

This card includes an annual fee of $79 for the primary cardholder, $39 for the first additional card and $50 for every other card. Until November 21, 2021, the annual fee is waived for the first year. The interest rate is 19.99% on purchases and 22.99% on cash advances and balance transfers. The minimum credit limit is $5,000 and applicants must have an annual personal income of at least $60,000 or a family income of at least $100,000.

If you go on a trip, you benefit from seven coverages, including travel emergency medical insurance for yourself, your spouse, and children, up to one million dollars each. You are also insured in the event of trip interruption or delay, lost or delayed baggage and accidents on public transport or in the event of a collision with a rental vehicle. Another advantage is that you get up to 25% rebate on car rental from Avis and Budget in North America.

The best low interest Scotiabank credit card

Paying off your credit card every month can be a challenge for some. You are not alone. That's why Scotiabank offers the following low-interest credit card  to keep you out of debt.

Scotiabank Value Visa Credit Card

The Scotiabank Value Visa Credit Card is perfect for those who can't always pay their monthly balance. It has an interest rate of 12.99% on purchases and cash advances, allowing you to manage your monthly payments with more flexibility and without excessively affecting your  credit score. If you have balances on cards with high interest, you will be able to take advantage of the welcome offer that runs until November 21, 2021: it offers a rate of 0.99% on balance transfers for the first six months. Subsequently, this rate increases to 12.99%.

This card has an annual fee of $29 and additional cards are free. It has a minimum credit limit of $500 and requires an annual income of at least $12,000. Finally, like other Scotiabank credit cards, you can also take advantage of discounts of up to 25% at Avis and Budget in North America.

The best Scotiabank credit card for students

Starting school often means getting your first credit card. Scotiabank has the perfect card for students to take their first steps into credit.

L’earn Visa Credit Card

The L’earn Visa Credit Card for Students allows you to build your credit score while earning cash back. Each year, you will receive 0.25% back on the first $500 spent, 0.5% on the second $500 spent, and 1% on any amount over $1,000. There are no annual fees for this card and the first additional card is also free. Additional cards have an annual fee of $50. 

The interest rate is 19.99% on purchases and 22.99% on cash advances. The credit limit is at least $500 and there is no minimum income required to obtain it. Cardholders are also entitled to discounts of up to 20% at Avis car rental locations around the world.

From now until January 31, 2022, students who sign up for the L’earn Visa Credit Card have a chance to win a $30,000 scholarship with the Scotia Funds Your Future contest. To be eligible, applicants must be at least 17 years of age, be enrolled in a Canadian post-secondary institution and reside in Canada by March 1, 2022.

The best Scotiabank credit cards for business

Small business owners are sure to find something to their liking with Scotiabank credit cards specifically designed to help businesses better manage their finances.

Scotiabank Passport Visa Infinite Business Credit Card

The Scotiabank Passport Visa Infinite Business Credit Card can be an indispensable tool for your business. With it, you get 1.5 Scotia Rewards Points for every dollar of eligible purchase for your business. In addition, you do not pay any currency conversion fees for online and outside of Canada purchases. You are also entitled to a complimentary Priority Pass membership and six annual visits to airport lounges around the world.

By joining by November 21, 2021, you can earn up to 40,000 Scotia Rewards Points. 30,000 points are earned when you make at least $5,000 in purchases on your card within the first three months of opening your account. For an additional 10,000 points, you must make at least $60,000 in purchases in the first year.

There are several benefits created for business owners offered to you. In particular, you can turn your purchases into savings with the Visa SavingsEdge program. You can also enroll in the Visa Spend Clarity for Business program, an online tool that allows you to manage your budget more efficiently. Finally, this card comes with protection against unauthorized charges made by employees, up to a maximum of $100,000.

The Scotiabank Passport Visa Infinite Business credit card has an annual fee of $199. The first additional card is free of charge, and subsequent ones each cost $50 per year. The interest rate is 19.99% on purchases and 22.99% on cash advances. The minimum credit limit is $10,000 and can go up to $100,000 unsecured. To be eligible, you must meet one of the following conditions:

• An annual sales revenue of more than $500,000;
• An annual personal income of at least $60,000;
• At least $30,000 in purchases paid for with your credit card each year;
• An annual household income of at least $100,000;
• Assets under management of more than $250,000.

The Scotia Momentum for business Visa Credit Card

The Scotia Momentum for business Visa Credit Card  allows you to earn cash back on purchases necessary to run your business. You get 3% back on purchases at gas stations, restaurants, office supply stores and recurring payments. On all other eligible business purchases, you get 1% back

This card has an annual fee of $79 and each additional card is $29 per year. The interest rate on purchases is 19.99% and you have 25 days without interest. The interest rate is 22.99% on cash advances and balance transfers and until November 21, 2021, you are entitled to a promotional interest rate of 2.99% on balance transfers within the first six months of enrollment. The minimum credit limit is $500, and the unsecured maximum is $100,000.