Scotiabank Credit Cards

Scotiabank is the third largest bank in Canada. Founded in 1832, it serves some 19 million customers in more than 55 countries around the world. Scotiabank offers attractive credit cards, such as cash back credit cards with 4% rebate, travel rewards credit cards, low interest credit cards, etc.

  • Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).¹
  • The cash back card with the most awards in 2021.
  • Comprehensive Travel Insurance and New Mobile Device Insurance.
  • No annual fee in the first year, including on supplementary cards.
  • Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
  • Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
  • Earn 1% cash back on all other purchases with no cash back limit.
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
20.99%
Annual Fee
$120
  • Earn up to 40,000 bonus Scene+ points in your first year (that's up to $400 towards travel).
  • Plus, no annual fee in the first year, including on supplementary cards and get a 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $120) (1% balance transfer fee).
  • The only major bank that saves you 2.5% on foreign transaction fees.
  • You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
  • Earn 5 Scene+™ points points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions.
  • Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.
  • Earn 3X Scene+ points for every $1 CAD spent on eligible select streaming services.
  • Earn 1 point for every $1 you spend on all other eligible everyday purchases
  • Save 2.5% while cross-border shopping online.
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$120
  • Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 1.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).
  • Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments.
  • Earn 0.5% cash back on all other eligible purchases.
Intro APR
1.99% on Balance Transfers
Intro APR Period
6 months
Purchase APR
19.99%
Annual Fee
$0
  • 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)
  • Save up to hundreds of dollars in interest a year
  • Low 12.99% interest rate
  • Convenient with Visa payWave*simply wave your card and go!
  • Pay down higher interest rates balances faster
  • Transfer higher rate balances and save even more
Intro APR
0.99% on Balance Transfers
Intro APR Period
6 months
Purchase APR
12.99%
Annual Fee
$29
  • Earn 5,000 bonus Scene+™ points with your first $500 in everyday purchases in first 3 months.
  • Earn 1 Scotia Rewards point for every $1 you spend on everyday purchases.
  • Book and redeem for travel anywhere, anytime, with no travel restrictions.
  • Travel without worry with our travel insurance package
  • Access to special offers, merchandise, rewards and more
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$0
  • Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)
  • Earn 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 everyday purchases
Intro APR
2.99% on Balance Transfers
Intro APR Period
6 months
Purchase APR
19.99%
Annual Fee
$39
  • Earn up to 30,000 bonus Scene+™* points in your first year (that's up to $300 towards travel).¹ Plus, no annual fee in the first year, including on supplementary cards¹
  • Earn 20,000 bonus Scene+ points when you spend $1,000 in everyday eligible purchases in the first 3 months.
  • Earn 10,000 bonus Scene+ points when you spend at least $40,000 in everyday eligible purchases annually.
  • Redeem your Scene+ points towards statement credits, travel, the latest tech, gift cards and more!
  • Earn 2 Scene+ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more).
  • Earn 1 Scene+ point on every $1 you spend on all other eligible purchases.
  • You will not be charged a Foreign Currency Conversion mark-up on foreign currency purchases whether you make them online or outside of Canada. Only the exchange rate applies.
  • Enjoy complimentary Priority Pass™ membership, plus 6 free visits per year from the date of enrolment to all participating lounges worldwide (including Priority Pass and Plaza Premium lounges).
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$139
  • 7.99% introductory interest rate on purchases for the first 6 months (20.99% after that)
  • No annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments.
  • 0.5% cash back on all other eligible everyday purchases
Intro APR
7.99% on Purchases
Intro APR Period
6 months
Purchase APR
20.99%
Annual Fee
$0
  • Earn Scene+™* points on everyday purchases.
  • Earn 5,000 bonus Scene+™ points with your first $750 in everyday purchases in the first 3 months.
  • Earn 5 Scene+ points for every $1 you spend on credit card purchases at Cineplex™ theatres or at cineplex.com.
  • Earn 1 Scene+ point for every $1 you spend on your everyday credit card purchases.
  • Redeem for a FREE movie with just 1,250 points.
  • Get $5 off at participating restaurants when you redeem just 500 points.
  • A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$0
  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
  • Earn 2% in GM Earnings on purchases thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • No earning caps or redemption limits
  • Purchase security and extended warranty
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$0
  • First year annual fee waived
  • No earning caps or redemption limits
  • Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • Earnings do not expire as long as you are a cardholder
  • Travel with peace of mind with Visa Infinite benefits, including Travel Medical Insurance, Rental Car Insurance, Trip Interruption Insurance, and more
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$79 Waived for the first year*
  • Earn 5,000 bonus Scene+™* points upon your first purchase.
  • Earn 1 Scene+™* point for every $1 you spend on eligible purchases
  • Book your travel through Scene+ Travel and earn 5% cash back on the cost of your trip.
  • Use your Card and book travel through Scene+ Travel, our full-service travel agency.
  • Redeem for travel anywhere, anytime, with no travel restrictions.
  • Travel with confidence on every trip with our comprehensive travel insurance coverage.
  • Reward yourself for seeing the world. You'll earn 5% cash back on airline tickets, pre-package tours, and cruises.
  • A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$110
  • Earn 30,000 bonus Scene+™ points upon first purchase.
  • Earn 4 Scene+ points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment.
  • Book and redeem for travel anywhere, anytime, with no travel restrictions.
  • Enjoy luxury travel privileges for your journey
  • Earn 1 Scene+ point for every $1 you spend on everything else.
  • Access to complimentary concierge services, airport lounges, Hertz #1 Club Gold membership, merchandise, rewards and more.
  • Travel with confidence on every trip with our comprehensive travel insurance coverage.
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$399
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