Compare Scotiabank Credit Cards

If you’re looking for a new credit card, chances are Scotiabank offers something that’ll meet your needs. Scotiabank offers excellent travel rewards credit cards and loyalty program credit cards, as well as the best cash back credit card in the country. Fill out your spending profile, then find, compare and apply for the best Scotiabank credit card for you.

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. There are generally three types of people who use credit cards: individuals, students and businesses. If you are an individual who uses their credit card for daily living expenses, select Personal. If you are in school and on living on a tight budget, select Student. And if you are someone who uses a credit card to pay for business expenses, select Business. 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. There are generally three types of people who use credit cards: individuals, students and businesses. If you are an individual who uses their credit card for daily living expenses, select Personal. If you are in school and on living on a tight budget, select Student. And if you are someone who uses a credit card to pay for business expenses, select Business. 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.

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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. 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.

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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. 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.
Monthly spending by category
Monthly spending by category

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Credit card Interest Rate Balance transfer rate Annual fee Net reward (1st year) Monthly interest fee Monthly interest fee Required deposit
19.8% $65 $115 Get details
19.99% $0 $90 Get details
19.99% $110 $120 Get details
19.99% $0 $402 Get details
19.99% $39 $299 Get details
19.99% $99 $510 Get details
19.99% $0 $152 Get details
19.99% $99 $815 Get details
19.99% $39 $266 Get details
For a LIMITED time only, you will receive a FREE gift card from RateHub.ca to Starbucks, Homesense/Winners, or Amazon.ca upon approval of this card. Click “Get details” for more info.
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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 a leading financial services company in over 55 countries and is Canada’s most international bank. Originating in Halifax, Nova Scotia in 1832, Scotiabank has grown to be the third most profitable bank in Canada by offering a broad range of financial services, such as personal and commercial banking, corporate and investment banking, and wealth management. With more than 86,000 employees, Scotiabank serves over 21 million customers worldwide. In Canada, Scotiabank serves over 7.7 million personal and business customers through its 1,190 branches and offices. In 2012, Scotiabank acquired ING DIRECT Canada (now Tangerine Bank), which serves 1.9 million customers through Internet, mobile and telephone banking.


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