For a limited time, receive a $100 e-gift card to Amazon, Cineplex, or Indigo when you apply through Ratehub.ca and are approved.

Spending Bonus: Earn $150 in bonus points for travel with your first $1,000 in everyday purchases.

Ranked the #1 Travel Rewards card of 2017 by MoneySense.

Earn 4 Scotia Reward Points on every $1 you spend on groceries, gas, dining and entertainment.

Earn 1 point for every $1 you spend on everything else.

Redeem for travel anywhere, anytime, with no travel restrictions.

$99 annual fee.

Welcome Offer: Get 35,000 points ($250 value) + the $150 annual fee waived in the first year.

Limited time offer: Get a $100 bonus when you spend $100 on travel related purchases in your first 6 months.

Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus four annual complimentary passes ($140 value/year).

Get 3 BMO Rewards points for every $1 spent on travel, dining and entertainment purchases.

Get 2 points for every $1 spent everywhere else.

Until March 29th, 2019, you could get a 0% promotional annual interest rate (“AIR”)† for 6 months on balance transfers✪ completed within 90 days of account opening, with a fee of 1% of the amount advanced (minimum fee of $7.50.

Low interest rate of 12.99% after promotional period ends.

No annual fee.