Canada's Best Scotiabank Credit Cards 2022

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12 CARDS The total number of credit card results available for this search
Annual Fees The amount of money charged to you each year to use the card
Rewards Rate The rewards rate your credit card receive for purchases made with your card
Bonus Offer The bonus offer available when you apply for this card
YOUR ESTIMATED NET ANNUAL REWARDS
 The annual reward earnings, minus the average annual fee (fee / years), plus the average annual value of the signing bonus (bonus / years)

Scotiabank Value® Visa*
Review
$29
per year  
N/A 
 
0.99% 
rate on transfers 1st 6 months 
Net Rewards
$-29
Show Offer Details
Offer Summary

  • Special 0.99% introductory interest rate on balance transfers for the first 6 months

  • Pay down higher interest rate balances faster when transferred to your card

  • Simplify your monthly payments by consolidating all your higher interest outstanding balances on this card

  • Annual Fee $29

  • Up to 20% AVIS rental car discount

  • Estimated first year rewards on credit card account following approval and if all requirements for rewards are met
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 11.99%
Cash Advance Interest Rate: 11.99%%
Balance Transfer Interest Rate: 11.99%%
First Year Annual Fee: $29
Annual Fee After First Year: $29

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Scotiabank® Platinum American Express
Review
$399
per year  
4 
points per $1 up to 100K 
30,000 
bonus points on 1st purchase  
Net Rewards
$105
Show Offer Details
Offer Summary

  • Earn 30,000 bonus points upon your first purchase within 60 days of your account open date

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

  • Use your points to purchase travel online or over the phone through Scotiabank's full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase

  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages

  • Comprehensive Travel Insurance

  • Premium Concierge Services

  • Access to Priority Pass Lounges worldwide

  • VIP Pass for exclusive access to global events

  • Complimentary Hertz #1 Club Gold Membership
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $399
Annual Fee After First Year: $399

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Scotiabank VISA Business
Review
$75
per year  
1% 
cash back on all purchases 
N/A 
 
Net Rewards
$105
Show Offer Details
Offer Summary

  • The annual fee for Scotiabank VISA Business Cards is based on the type of card (Gold or Silver) and the currency (CAD or USD) you select to suit your cardholder and business needs.

  • CAD Program Silver $75 CAD Gold $105 CAD

  • USD Program Silver $75 USD Gold $105 USD

  • With our Canadian dollar program, your business will receive up to 1% cash back annually per card based on spending levels. The cash goes directly into your Business Account. There's no limit to the rewards you can earn and how you spend the cash back is up to you.

  • The Scotiabank VISA Business Card program helps...
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.8%
Cash Advance Interest Rate: 19.80%%
Balance Transfer Interest Rate: 19.80%%
First Year Annual Fee: $75
Annual Fee After First Year: $75

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

ScotiaGold Passport® VISA
Review
$110
per year  
1 
point per $1 
5,000 
Bonus points 
Net Rewards
$120
Show Offer Details
Offer Summary

  • Earn 5,000 bonus points with your first card purchase

  • Travel anywhere, at any time of the year with no restrictions

  • Comprehensive travel protection and insurance

  • 5% cash back on travel purchased through Scotia Rewards, book online or by phone

  • Concierge Service

  • Merchandise, gift card and other rewards available
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $110
Annual Fee After First Year: $110

Eligibility

Personal Income: $35000
Household Income: $
Credit Needed: Very Good

Scotia Momentum® No-Fee VISA
Review
$0
no fee  
1% 
cash back on eligible purchases 
7.99% 
rate on purchases 1st 6 months 
Net Rewards
$153
Show Offer Details
Offer Summary

  • Get an introductory 7.99% on purchases for the first six months

  • Cash back on everyday spending with 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

  • 20% AVIS rental card discount
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%%
Balance Transfer Interest Rate: 21.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $
Credit Needed: Good

Scotia Momentum® Mastercard®
Review
$0
no fee  
1% 
cash back on eligible purchases 
7.99% 
interest rate on first 6 months 
Net Rewards
$153
Show Offer Details
Offer Summary

  • 7.99% introductory interest rate on purchases for the first 6 months

  • Cash back on everyday spending with 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
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: %
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: %
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Scotia Momentum® VISA
Review
$39
per year  
2% 
cash back on eligible purchases 
2.99% 
rate on transfers 1st 6 months 
Net Rewards
$267
Show Offer Details
Offer Summary

  • Get an introductory 2.99% on Balance transfers for the first six months.

  • Cash back with low annual fee

  • 2% on eligible fas station, grocery store and drug store purchases, and reoccurring bill payments

  • 20% AVIS rental car discount
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%%
Balance Transfer Interest Rate: 21.99%%
First Year Annual Fee: $39
Annual Fee After First Year: $39

Eligibility

Personal Income: $15000
Household Income: $
Credit Needed: Good

SCENE® Visa
Review
$0
no fee  
1 
point per $1 
2,000 
Bonus SCENE points 
Net Rewards
$320
Show Offer Details
Offer Summary

  • Earn 2,000 bonus points with your first $500 in everyday purchases in first 3 months

  • Redeem points for free movies at Cineplex Entertainment theatres, music and other entertainment rewards

  • Earn 5 Scene points for every $1 you spend on participating Cineplex Entertainment theatres or online at cineplex.com

  • Earn 1 point per dollar on everyday purchases

  • No annual fee

  • Estimated first year rewards on credit card account following approval and if all requirements for rewards are met
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $3000
Household Income: $
Credit Needed: Good

Scotiabank® American Express
Review
$0
no fee  
1 
point per $1 on eligible spend 
5,000 
Bonus points 
Net Rewards
$338
Show Offer Details
Offer Summary

  • Earn 5,000 bonus points with your first $500 in everyday purchases in first 3 months

  • Earn one Scotia Rewards point on all other eligible everyday purchases

  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase

  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages

  • Receive up to 25% off qualifying car rentals

  • Travel emergency medical coverage is automatically provided for eligible persons for up to 8 consecutive days

  • Redeem points for merchandise and...
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $
Credit Needed: Good

Scotia Momentum® Visa Infinite
Review
$99
1st year free, $99 after  
4% 
cash back on categories 
N/A 
 
Net Rewards
$438
Show Offer Details
Offer Summary

  • 4% cash back on eligible gas station and grocery store purchases

  • 2% cash back on eligible drug store purchases and recurring bill payments

  • 1% cash back on all other eligible everyday purchases Annual fee waived for first year ($99 value)

  • VISA Infinite Complimentary Concierge Service - available 24/7

  • Access to VISA Infinite Luxury Hotel Collection.

  • VISA Infinite Dining Series - Unique dining experiences in some of Canada's top restaurants

  • Special access to unique offers and experiences

  • Subject to credit approval
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $99

Eligibility

Personal Income: $60000
Household Income: $
Credit Needed: Excellent

Scotiabank® Gold American Express
Review
$99
per year  
4 
points per $1 on eligible spend 
15,000 
Bonus Scotia Rewards points 
Net Rewards
$555
Show Offer Details
Offer Summary

  • 15,000 bonus points ($150 value) with your first $1000 in everyday purchases in the first 3 months.

  • Earn 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment

  • Earn one point on all other eligible everyday purchases

  • Book and redeem for travel anywhere, anytime, with no travel restrictions.

  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.

  • Comprehensive Travel Insurance Coverage

  • Complimentary Concierge Services 24/7

  • Access to airport lounges,...
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $99
Annual Fee After First Year: $99

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Scotiabank Gold American Express
Review
$99
per year  
4 
points per $1 
15,000  
bonus points on your first 1K 
Net Rewards
$555
Show Offer Details
Offer Summary

  • 15,000 bonus points ($150 value) with your first $1000 in everyday purchases in the first 3 months.

  • Earn 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment

  • Earn one point on all other eligible everyday purchases

  • Book and redeem for travel anywhere, anytime, with no travel restrictions.

  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.

  • Comprehensive Travel Insurance Coverage

  • Complimentary Concierge Services 24/7

  • Access to airport lounges,...
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 20%
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $99
Annual Fee After First Year: $99

Eligibility

Personal Income: $30000
Household Income: $
Credit Needed: Very Good
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