Best Scotiabank Credit Card

  1. Home
  2. /
  3. Credit Cards
  4. /
  5. Best Scotiabank Credit Card
Canada's Best Card
Get $25 When You Sign Up

Up to 5% cashback, rewards, travel perks and more.

Are you a Canadian looking for a credit card with great rewards and benefits? With so many options available, it can be overwhelming to choose the right one. But don’t worry, I’ve got you covered!

In this article, I’ll discuss the best Scotiabank credit cards for Canadians. Scotiabank is one of Canada’s largest banks and offers a range of credit cards to suit different lifestyles and spending habits.

Whether you’re looking for cashback rewards, travel perks, or low-interest rates, there’s a Scotiabank credit card for you. So, let’s dive in and find the perfect card for your needs!

What Credit Cards does Scotiabank offer?

Depending on your needs, whether it’s everyday purchases, rewards or other perks you are looking for in a credit card, the great thing about Scotiabank is they offer a wide range of cards with various benefits.

Here are some types of credit cards that Scotiabank offers and their top options in each category; we hope you enjoy our Scotiabank credit card review.

When looking at the best credit cards in Canada, Scotiabank cards often rise to the top.

Scotiabank travel rewards cards

Gold American Express Card

The Scotiabank Gold American Express Card offers cardholders attractive rewards and travel benefits. Earn Scotia Rewards points on purchases with accelerated rates in select categories, such as grocery, dining, entertainment, gas, daily transit, and streaming services. In addition, points can be redeemed flexibly for travel, merchandise, gift cards, statement credits, or investments.

Enjoy no foreign transaction fees, making it an ideal choice for travellers or those shopping online in foreign currencies. In addition, comprehensive travel insurance coverage, including travel emergency medical, trip cancellation/interruption, flight delay, and lost or delayed baggage insurance, adds extra peace of mind.

Additional benefits include American Express Invites for special offers, early access to event tickets, and discounts and amenities at participating hotels and resorts. Although the card has an annual fee, the diverse range of benefits and rewards may offset the cost for those who frequently travel or spend in bonus categories.

Passport Visa Infinite Card

The Scotiabank Passport Visa Infinite Card offers the best travel credit card Canada has with rewards and benefits. Earn Scotia Rewards points on purchases, with 2 points per dollar spent on eligible grocery, dining, entertainment, and daily transit purchases and 1 point per dollar on all other eligible purchases. In addition, enjoy no foreign transaction fees on international purchases, making it an excellent choice for travellers and online shoppers using foreign currencies.

Access complimentary Priority Pass membership, including free airport lounge visits, and take advantage of comprehensive travel insurance coverage for extra peace of mind. The card also features Visa Infinite benefits, including Concierge service and exclusive offers.

Scotiabank cashback rewards cards

Scotia Momentum Visa Infinite Card

The Scotia Momentum Visa Infinite Card offers impressive cashback rewards on everyday spending. Cardholders earn 4% cash back on eligible grocery and recurring bill payments, 2% cash back on eligible gas and daily transit purchases, and 1% on all other eligible purchases. The card may also feature a welcome bonus or promotional cashback rate for new cardholders, subject to change.

Benefit from insurance coverage, such as mobile device insurance, purchase security, extended warranty protection, and travel insurance. Enjoy Visa Infinite perks, including access to the Concierge service and exclusive offers.

Scotia Momentum Mastercard

The Scotia Momentum Mastercard offers cashback rewards on everyday spending without an annual fee. Cardholders earn 1% cash back on eligible gas, grocery, drugstore, and recurring bill payments and 0.5% on all other eligible purchases. The card may also feature a welcome bonus or promotional cashback rate for new cardholders, subject to change.

Enjoy basic insurance coverage, including purchase security and extended warranty protection, to safeguard your purchases against theft, damage, or manufacturer defects.

Low-interest cards

Scotiabank Value Visa Card

The Scotiabank Value Visa Card offers a low-interest rate on purchases, making it a good choice for cardholders who may occasionally carry a balance. The card also features promotional balance transfer offers for new cardholders, which can help save on interest when consolidating debt from higher-interest credit cards.

Enjoy car rental discounts at participating AVIS and Budget locations for frequent renters, and opt for additional insurance coverage like credit card protection, if desired. Keep in mind that the card has a modest annual fee.

No annual fee cards

Scotiabank GM Visa Card

The Scotiabank GM Visa Card is designed for those looking to earn rewards for purchasing or leasing a new Chevrolet, Buick, GMC, or Cadillac vehicle. Cardholders earn 5% in GM Earnings on the first $5,000 spent annually and 2% after that, with no cap on earnings. In addition, the card has no annual fee, making it an accessible option for earning vehicle-related rewards without added costs.

Redeem GM Earnings towards your next vehicle purchase or lease, with no redemption limits. In addition, enjoy basic insurance benefits like purchase security and extended warranty protection for your purchases.

Scotiabank SCENE+ Visa Card – no-fee rewards

The Scotiabank SCENE+ Visa Card is a no-fee rewards credit card designed for those interested in earning rewards for entertainment, such as movies and dining. Cardholders earn 5 points per dollar spent at participating Cineplex theatres or and 1 point per dollar spent on all other eligible purchases. With no annual fee, it’s an accessible option for entertainment enthusiasts.

Redeem SCENE+ points for movie tickets, dining at participating restaurants, and other entertainment options. The card may also offer a welcome bonus or promotional points for new cardholders, subject to change.

Student cards

Scotiabank SCENE+ Student Visa Card

The Scotiabank Scene+ Visa Card for Students is designed for post-secondary students seeking to build credit history while earning rewards. With no annual fee, students can earn 2 Scene+ points per dollar spent on groceries, including at FreshCo and Cineplex. Additionally, earn 1 Scene+ point per dollar spent on all other purchases.

Enjoy a welcome offer of 1,250 Scene+ points after making your first purchase. Scene+ rewards points cater to students’ preferences, as they can be redeemed for movies, gift cards, bill credits, and more. This card presents an excellent opportunity for students to establish a strong credit history in Canada while enjoying valuable rewards.

Scotiabank L’earn Visa Card

The Scotiabank L’earn Visa Card is a no-fee credit card designed specifically for students, offering a 1% cashback rate on all eligible purchases. With no annual fee, it’s an accessible option for students seeking a credit card without added costs while also providing an opportunity to build their credit history.

The card offers a 21-day grace period on new purchases, allowing students to pay off their balance without incurring interest if paid within that period. Basic insurance coverage, such as purchase security and extended warranty protection, is also provided.

Business credit cards

Scotiabank Gold American Express Business Card

The Scotiabank American Express Business Card offers a flexible rewards program. Cardholders can earn Scotia Rewards points on purchases, with accelerated earning rates in specific categories like travel and dining. In addition, businesses can benefit from various travel perks, including travel emergency medical insurance, trip cancellation/interruption insurance, and car rental loss/damage insurance.

The card provides access to expense management tools and reporting to streamline business expenses and financial tracking. In addition, supplementary cards for employees are available to consolidate expenses and earn rewards for employee spending.

Scotia Momentum for Business Visa Card

The Scotia Momentum for Business Visa Card offers business cashback rewards with accelerated earning rates in categories like gas, dining, and office supplies. Access expense management tools and reporting to streamline business expenses and financial tracking, making it easier to manage spending.

Supplementary cards can be added for employees to consolidate expenses and earn cashback on their spending. The card also provides valuable insurance benefits, such as travel emergency medical insurance and car rental loss/damage insurance.

Benefits of Scotiabank Credit Cards vs Other Banks

While the specific advantages of Scotiabank credit cards compared to other banks may vary, some general benefits to consider include the following:

Variety of credit card offerings

Scotiabank offers a diverse range of credit cards catering to different needs, such as travel rewards, cashback, low-interest, no annual fee, and student and business credit cards.

Reward programs

Scotiabank’s rewards programs, such as Scotia Rewards and SCENE, can be pretty attractive. Scotia Rewards points can be redeemed for travel, merchandise, gift cards, and more. SCENE points can be redeemed for free movies, restaurant discounts, and other entertainment options.

If you don’t care about travel rewards, consider the Scotia Momentum Visa Infinite card, which is one of Canada’s best cashback card networks.


Scotiabank has partnerships with various companies, like Cineplex Entertainment (SCENE program) and General Motors (GM Visa Card), which can provide unique benefits and rewards to cardholders.

Global presence

Scotiabank is one of Canada’s largest banks, with a presence in several countries. This can make it easier for travellers to access banking services and receive support while abroad.

Travel benefits

Some Scotiabank travel credit cards offer additional travel-related perks, such as travel insurance coverage, airport lounge access, and no foreign transaction fees.

The Scotiabank Passport Visa Infinite Card offers exclusive benefits, including no foreign transaction fees, free access to the airport lounge and booking and redeeming your next getaway through Scotia Rewards Travel Service, a concierge service designed to help plan your trip, restaurant reservations, tickets and much more. For travel points, the Scotiabank American Express Card will earn you Scotia Rewards points for each dollar you spend on everyday purchases and redeem them when booking a trip in advance.

Mobile app and online banking

Scotiabank provides a user-friendly mobile app and online banking platform, making it convenient for customers to manage their credit card accounts, view transactions, make payments, and access rewards.

It’s essential to compare Scotiabank’s credit card offerings to those of other banks to determine which suits your needs best. Factors like interest rates, reward programs, annual fees, and additional perks will vary between banks and credit card products.

How To Apply for a Scotiabank Credit Card

Applying for a Scotiabank credit card in Canada is a straightforward process. Follow these steps to apply:

  1. Research and choose a card: Now that you’ve learned more about what credit cards you can get with Scotia, visit the Scotiabank website to explore all available credit card options. Compare each card’s features, benefits, interest rates, and fees to find one that suits your financial needs and spending habits.
  2. Check eligibility requirements: Each card has specific eligibility requirements, such as minimum income, credit score, and residency status. Ensure you meet these requirements before applying.
  3. Gather necessary documents: Prepare the required documents, including proof of income, employment details, personal identification, and information about your financial obligations (e.g., loans or other credit cards).
  4. Apply online: Visit the Scotiabank website and credit card detail page, and locate the application page for your chosen credit card. Then, complete the online application form by entering the requested personal, financial, and employment information. Please review your application for accuracy before submitting it.
  5. Await a response: After submitting your application, Scotiabank will review it and perform a credit check. You may receive an instant decision or be asked to provide additional information. You’ll receive your new credit card in the mail within a few weeks if approved.
  6. Activate your card: Once you receive your credit card, follow the activation instructions provided with the card. This usually involves calling or activating a specific phone number through Scotiabank’s online banking platform.

Remember that applying for multiple credit cards within a short period can negatively impact your credit score. Therefore, choosing the most suitable card for your needs is essential, and apply responsibly. If you are wondering how to build a credit history in Canada, Scotiabank has many solutions.

Are Scotiabank Credit Cards Legit?

Scotiabank credit cards are legitimate and issued by one of Canada’s leading financial institutions. With various card options tailored to different needs, such as cashback, travel rewards, student credit cards, and business credit cards, Scotiabank provides valuable financial products for customers with diverse preferences and spending habits.

These credit cards have various benefits, competitive rewards programs, and additional features like insurance coverage and expense management tools. When selecting the best Scotiabank credit card for your needs, you must consider your financial goals, spending patterns, and specific benefits.

Scotiabank credit cards offer reliable and valuable options for Canadian consumers and businesses. By carefully comparing the available options and choosing a card that aligns with your financial objectives, you can maximize the benefits and rewards that Scotiabank credit cards offer.