Best Scotiabank Credit Cards in Canada

One of Canada’s big six banks, Scotiabank has a suite of credit cards designed to meet almost every need - from travel rewards and cash-back to low interest and more. Scroll down to view Ratehub.ca’s best Scotiabank credit card comparison chart to apply for the best card for you.

Credit Cards that are eligible for a promotional offer are marked throughout the comparison chart with a promotional offer icon such as or . Click this box to show only Credit Cards that contain free promotional offers. For gift card FAQs and Terms & Conditions click here.
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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What type of rewards do you want to earn for every dollar you spend? Is cash back important to you? Would you prefer gift cards or store credit? What about free flights and hotels? Think about what's most important to you and what would help your budget the most, then look for the best cards to offer that reward. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. There are many different credit card reward programs available. If you have a preferred reward program, such as Aeroplan Miles, select your choice using the dropdown. Note that each card only uses one reward program. Enter the dollar amount you spend each month on your credit card. Edit your monthly spend by each spending category in the 'monthly spending by category' tab below.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you carry a balance on your credit card each month? This isn't how much you spend on your card, but how much you typically carry over into a new month. If so, write that amount here, so we can calculate how much interest you'll be charged.

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There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

Update results

Hit enter or click outside the box to refresh your results
Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. If you are currently carrying a balance on another credit card, you may want to take advantage of a balance transfer promotional offer with one of the credit cards listed below. Enter the amount you would transfer to the new card, to find out what the promotional interest rate and period are.

Update results

Hit enter or click outside the box to refresh your results
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account.
Monthly spending by category
Monthly spending by category
Credit card Purchase interest rate Balance transfer rate Annual fee Net reward (1st year) Monthly interest fee Monthly interest fee Required deposit Min. required income
19.99%
Cash advance 22.99%
$ 120 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 89 $0.00 $201 Get details
19.9%
Cash advance 19.90%
$ 110 $0.00 $ Get details
30% $ 150 $0.00 $532 Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $108 Get details
19.99%
Cash advance 22.99%
$ 120 $60,000.00 $435 Get details
19.99%
Cash advance 21.50%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 120 $60,000.00 $470 Get details
19.99%
Cash advance 22.99%
$ 0 $12,000.00 $299 Get details
19.99%
Cash advance 24.99%
$ 0 $0.00 $190 Get details
19.99%
Cash advance 22.99%
$ 120 $60,000.00 $582 Get details
19.99%
Cash advance 22.99%
$ 120 $12,000.00 $915 Get details
19.95%
Cash advance 19.95%
$ 0 $60,000.00 $333 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 19.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 21.99%
$ 0 $12,000.00 $152 Get details
19.8%
Cash advance 19.80%
$ 75 $0.00 $115 Get details
20.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 99 $60,000.00 $ Get details
19.97%
Cash advance 22.97%
$ 0 $80,000.00 $180 Get details
19.5%
Cash advance 21.99%
$ 49 $0.00 $ Get details
19.5%
Cash advance 21.99%
$ 0 $0.00 $ Get details
19.5%
Cash advance 21.99%
$ 99 $60,000.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 399 $12,000.00 $0 Get details
19.9%
Cash advance 19.90%
$ 0 $0.00 $25 Get details
30%
Cash advance 22.99%
$ 699 $40,000.00 $26 Get details
19.9%
Cash advance 19.99%
$ 130 $80,000.00 $140 Get details
19.99%
Cash advance 22.99%
$ 139 $60,000.00 $ Get details
19.9%
Cash advance 19.90%
$ 30 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 89 $0.00 $246 Get details
19.99%
Cash advance 22.99%
$ 120 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
20.99%
Cash advance 22.99%
$ 0 $0.00 $180 Get details
19.99%
Cash advance 22.99%
$ 110 $12,000.00 $120 Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $ Get details
30% $ 250 $0.00 $180 Get details
19.99%
Cash advance 22.99%
$ 79 $60,000.00 $ Get details
19.5%
Cash advance 21.99%
$ 49 $0.00 $ Get details
30% $ 180 $0.00 $-35 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $161 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $90 Get details
19.99%
Cash advance 22.99%
$ 0 $12,000.00 $402 Get details
19.99%
Cash advance 22.99%
$ 120 $0.00 $357 Get details
20.99%
Cash advance 22.99%
$ 150 $80,000.00 $370 Get details
19.99%
Cash advance 24.99%
$ 120 $80,000.00 $371 Get details
19.5%
Cash advance 21.99%
$ 65 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $405 Get details
19.99%
Cash advance 21.99%
$ 39 $12,000.00 $266 Get details
19.97%
Cash advance 22.97%
$ 0 $60,000.00 $180 Get details
20.99%
Cash advance 22.99%
$ 115 $60,000.00 $145 Get details
20.99%
Cash advance 22.99%
$ 120 $60,000.00 $510 Get details
19.99%
Cash advance 22.99%
$ 0 $80,000.00 $ Get details
19.9%
Cash advance 19.99%
$ 0 $0.00 $ Get details
30% $ 499 $0.00 $351 Get details
19.89%
Cash advance 21.49%
$ 0 $0.00 $195 Get details
19.99%
Cash advance 22.99%
$ 120 $80,000.00 $ Get details
19.99%
Cash advance 22.99%
$ 99 $0.00 $441 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $180 Get details
19.99%
Cash advance 22.99%
$ 120 $80,000.00 $432 Get details
19.99%
Cash advance 22.99%
$ 150 $80,000.00 $617 Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $127 Get details
19.99%
Cash advance 22.99%
$ 399 $200,000.00 $190 Get details
19.99%
Cash advance 22.99%
$ 899 $60,000.00 $ Get details
19.99%
Cash advance 22.99%
$ 299 $20,000.00 $ Get details
19.99%
Cash advance 22.99%
$ 99 $0.00 $ Get details
19.95%
Cash advance 19.95%
$ 0 $12,000.00 $243 Get details
19.99%
Cash advance 22.99%
$ 120 $60,000.00 $262 Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $ Get details
20.99%
Cash advance 22.99%
$ 120 $60,000.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $ Get details
19.5%
Cash advance 21.99%
$ 99 $60,000.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $ Get details
19.99%
Cash advance 24.99%
$ 0 $0.00 $270 Get details
30% $ 499 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.99%
Cash advance 24.99%
$ 39 $60,000.00 $ Get details
19.97%
Cash advance 22.97%
$ 0 $0.00 $180 Get details
19.99%
Cash advance 22.99%
$ 99 $60,000.00 $101 Get details
20.99%
Cash advance 22.99%
$ 30 $0.00 $231 Get details
For a limited time, you will receive a promotional offer from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details.
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Cash advance
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Cash advance
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Scotiabank credit cards overview

As Canada’s third most profitable bank, Scotiabank offers a long list of credit card products to serve the needs of Canadians. Scotiabank’s three most popular cards are the: Scotiabank Gold American Express Card, Scotia Momentum Visa Infinite Card and the Scotia SCENE Visa Card.

The Scotiabank Gold American Express Card lets you 4x the Scotia Rewards points for every $1 spent on gas, groceries, dining out and entertainment. Points can be redeemed on a number of travel-related expenses and the card comes with excellent travel insurance benefits. If you don’t want to pay the $99 annual fee, you can get the Scotiabank American Express Card (non-Gold) instead for just $39.

If you’d rather earn cash back instead, the Scotia Momentum Visa Cards come in three tiers: they offer a no annual fee card that earns just 1% cash back, a $39 annual fee card that earns 2% cash back, and the best cash back credit card in Canada is the Scotia Momentum Visa Infinite Card, which earns up to 4% cash back on eligible purchases and costs just $99.

If you’re a movie lover, the Scotia SCENE Visa Card is their third most popular credit card. The card comes with a sign-up bonus of 4,000 SCENE points (equal to 4 free movies), and lets you earn 5 SCENE points per $1 spent at Cineplex and 1 SCENE point per $1 spent everywhere else. This card is a great option for students, as it has no annual fee, and points can be redeemed for entertainment or merchandise – nice, if you’re on a tight budget!

Beyond their most popular credit cards, Scotiabank offers a number of other no annual fee credit cards, travel rewards credit cards and business credit cards. You can compare them all in the list above.


Scotiabank credit card partnerships

Other than their partnership with Cineplex + SCENE, Scotiabank’s only other credit card partnership is with the NHL. You can choose your favourite team card, then earn 1 ScotiaHockey Rewards point per $1 spent on your card. The card also comes with a 5,000 point bonus and gives you 20% off all purchases at the NHL’s official online store.


More on Scotiabank

Scotiabank is Canada's international bank and a leading financial services provider in the Americas that is dedicated to helping its more than 25 million customers become better off through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. With a team of more than 97,000 employees and assets of $998 billion (as at October 31, 2018), Scotiabank trades on the Toronto Stock Exchange (TSX: BNS) and New York Stock Exchange (NYSE: BNS).


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