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Scotiabank Credit Cards

Scotiabank got its start in 1832 serving customers in Halifax, Nova Scotia. Since then, Scotiabank has become one of Canada’s largest financial service providers with operations spanning the globe. The company issues credit cards to fit many lifestyles. Whether you’re looking for cash back, reward points, travel rewards, or a simple card to use for everyday purchases, Scotiabank has a card for you. Check out their lineup of Visa and American Express offers below.

Showing 1 - 7 of 11 cards | View All
Scotiabank Value Visa Card
  • 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)1
  • Save hundreds of dollars in interest a year
  • Low 12.99% interest rate
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.

1 Offer Description and Conditions: The introductory 0.99% interest rate applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below (the “Offer”). This rate applies when the new Scotiabank Value Visa credit card account (“Account”) is opened by July 1, 2021 and will continue for 6 months from date of Account opening (the “Promotional Period”). This Offer is subject to any available limit for Cash Advances (the “Cash Advance Available Limit”) on your Account. This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank account. After the Promotional Period, the 0.99% interest rate on any promotional Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 12.99%). If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances).

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Offer may be changed, cancelled or extended and cannot be combined with any other offers.

Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.
A Balance Transfer fee of 0% of the amount of each Balance Transfer transferred during the Promotional Period applies to this Offer.

Rates and Fees: The current annual fee is $29 for the primary card and $0 for each additional supplementary card.
The current preferred annual interest rates for the Account are: 12.99% on purchases and 12.99% on Cash Advances.
All rates, fees, features and benefits are subject to change.

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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$29 12.99% 0.99% on balance transfers for the first six months* 12.99%
Scotiabank Value Visa Card
Scotiabank Value® VISA* Card
  • 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)1
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Annual Fee:
$29
APR:
12.99%
Balance Transfer:
0.99% on balance transfers for the first six months*
Cash Advance:
12.99%
Apply Now
Scotia Momentum VISA Card
  • Earn 7.5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1 Plus, get 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)1
  • Cash back with low annual fee
  • 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 1% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.
  • Note: A 1% Promotional Rate Fee (minimum fee of $3.50) will be charged on the amount of any promotional rate cash advances (which includes balance transfer, Scotia® Credit Card Cheque and cash-like transactions).

1 Offer Description and Conditions: The 7.5% Cash Back and Introductory 2.99% Rate Offer (the “Offer”) applies only to new Scotia Momentum Visa credit card accounts (“Accounts”) that are opened by May 2, 2021 and is subject to the below terms and conditions. All other terms and conditions of the Program Terms continue to apply. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card (with the exception of cardholders of the Scotiabank More Rewards credit card) in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

7.5% Cash Back Offer Conditions: You will earn 7.5% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Cash Back Program Rate”) described in the Scotia Momentum Visa Cash Back Program Terms and Conditions (the “Program Terms”). The 7.5% cash back rate for any category is made up of the sum of: (i) the regular Cash Back Program Rate (variable by categories as set out under the Program Terms); and (ii) a “Cash Back Bonus Rate”.
Cash back earned under this Offer will be credited to your Account in 2 instalments so long as your Account is open and in good standing at time of payout of each:
1. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within 7 months from the Account open date; and
2. Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program Terms.

The Account is considered in good standing if it is not delinquent (past due) or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.

EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 2% then the Cash Back Bonus Rate will be 5.5% for that category so that you will earn a total of 7.5% on the amount of all eligible everyday purchases in that category during the Promotional Period. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be credited to your Account as follows:
(1) the Cash Back Bonus earnings of $110 (5.5% x $2,000) (which will not be tracked on your monthly statements), will be credited to your Account within 7 months from the Account open date, and
(2) the Regular Cash Back earnings of $40 (2% x $2,000) (which will be tracked on your monthly statements), will be credited to your Account as per the regular cash back payment schedule (i.e., November).

Introductory 2.99% Rate Offer Conditions: The introductory 2.99% interest rate on balance transfers applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below (the “Offer”). This rate applies when the new Scotia Momentum Visa credit card account (“Account”) is opened by May 2, 2021 and will continue for 6 months from date of Account opening (the “Promotional Period”). This Offer is subject to any available limit for Cash Advances (the “Cash Advance Available Limit”) on your Account. This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account. After the Promotional Period, the 2.99% interest rate on any promotional Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances). Rates and Fees: A Balance Transfer fee of 0% of the amount of each Balance Transfer transferred during the Promotional Period applies to this Offer.
The current annual fee is $39 for the primary card and $15 for each additional supplementary card.
The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on Cash Advances.
All rates, fees, features and benefits are subject to change.

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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$39 19.99% 2.99% on balance transfers for 6 months 22.99%
Scotia Momentum VISA Card
Scotia Momentum® VISA* Card
  • Earn 7.5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1 Plus, get 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)1
  • Cash back with low annual fee
  • 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • Full credit card details
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Annual Fee:
$39
APR:
19.99%
Balance Transfer:
2.99% on balance transfers for 6 months
Cash Advance:
22.99%
Apply Now
Scotia Momentum No-Fee VISA Card
  • Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1 Plus, get 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that; annual fee $0)1

    1 Offer Description and Conditions: The 5% Cash Back and Introductory 7.99% Rate Offer (the “Offer”) applies only to new Scotia Momentum No-Fee Visa credit card accounts (“Accounts”) that are opened by May 2, 2021 and is subject to the below terms and conditions. All other terms and conditions of the Program Terms continue to apply. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

    Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

    5% Cash Back Offer Conditions: You will earn 5% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Cash Back Program Rate”) described in the Scotia Momentum No-Fee Visa Cash Back Program Terms and Conditions (the “Program Terms”). The 5% cash back rate for any category is made up of the sum of: (i) the regular Cash Back Program Rate (variable by categories as set out under the Program Terms); and (ii) a “Cash Back Bonus Rate”.

    Cash back earned under this Offer will be credited to your Account in 2 instalments so long as your Account is open and in good standing at time of payout of each:
    1. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within 7 months from the Account open date; and
    2. Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program Terms.

    The Account is considered in good standing if it is not delinquent (past due) or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.

    EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 1% then the Cash Back Bonus Rate will be 4% for that category so that you will earn a total of 5% on the amount of all eligible everyday purchases in that category during the Promotional Period. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be credited to your Account as follows:
    (1) the Cash Back Bonus earnings of $80 (4% x $2,000) (which will not be tracked on your monthly statements), will be credited to your Account within 7 months from the Account open date, and (2) the Regular Cash Back earnings of $20 (1% x $2,000) (which will be tracked on your monthly statements), will be credited to your Account as per the regular cash back payment schedule (i.e., November).

    Introductory 7.99% Rate Offer Conditions: The introductory 7.99% interest rate applies only to eligible purchases subject to the conditions below (the “Offer”). This rate applies when the new Scotia Momentum No-Fee Visa credit card account (“Account”) is opened by May 2, 2021 and will continue for 6 months from date of Account opening (the “Promotional Period”). After the Promotional Period, purchase balances at the promotional rate of 7.99% (including any unpaid balances) will increase to the preferred interest rate for purchases (currently 19.99%). If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance and purchases will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions)). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges.

    In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

    Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional supplementary card.
    The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions).
    All rates, fees, features and benefits are subject to change.

    View More View Less
    Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
    $0 19.99% Get an introductory 1.99% on Balance transfers for the first six months. 22.99%
    Scotia Momentum No-Fee VISA Card
    Scotia Momentum® No-Fee VISA* Card
    • Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1 Plus, get 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that; annual fee $0)1

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    • Full credit card details
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    Annual Fee:
    $0
    APR:
    19.99%
    Balance Transfer:
    Get an introductory 1.99% on Balance transfers for the first six months.
    Cash Advance:
    22.99%
    Apply Now
    Scotiabank GM VISA Infinite Card
    • First year annual fee waived1
    • Get closer to your new car with up to 5% in GM Earnings
    • 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
    • No earning or redemption caps
    • Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.

    1 Offer Description and Conditions: The First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotiabank GM Visa Infinite credit card accounts (“Accounts”) that are opened, and any supplementary Account cards issued, by July 1, 2021 subject to the conditions below. We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only. All other terms and conditions of the Program Terms continue to apply during the Offer period.

    Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

    Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

    Rates and Fees: The current annual fee is $79 for the primary card and $39 for each additional supplementary card.
    The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.

    View More View Less
    Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
    First year free then $79 19.99% 22.99% 22.99%
    Scotiabank GM VISA Infinite Card
    Scotiabank® GM®* Visa Infinite* Card
    • First year annual fee waived1
    • Get closer to your new car with up to 5% in GM Earnings
    • Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter
    • Full credit card details
    View More View Less
    Annual Fee:
    First year free then $79
    APR:
    19.99%
    Balance Transfer:
    22.99%
    Cash Advance:
    22.99%
    Apply Now
    Scotiabank GM VISA Card
    • Get closer to your new car with up to 5% in GM Earnings
    • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
    • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
    • No earning or redemption caps
    • Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.
    View More View Less
    Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
    $0 19.99% 22.99% 22.99%
    Scotiabank GM VISA Card
    Scotiabank® GM®* VISA* Card
    • Get closer to your new car with up to 5% in GM Earnings
    • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
    • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
    • Full credit card details
    View More View Less
    Annual Fee:
    $0
    APR:
    19.99%
    Balance Transfer:
    22.99%
    Cash Advance:
    22.99%
    Apply Now
    • Earn up to 40,000 bonus Scotia Rewards points in your first year (that’s up to $400 towards travel )1
    • Earn 2x Scotia Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases and daily transit purchases (including buses, subways, taxis and more)
    • Enjoy no FX Mark-up
    • Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year
    • Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.

    1 For a limited time, become a new Scotiabank Passport Visa Infinite credit cardholder and earn a one-time 30,000 Scotia Rewards point bonus with your first $1,000 in everyday eligible purchases if made within the first 3 months (the “Bonus Offer”). Bonus Offer ends July 1, 2021. Conditions apply - see 1 below for further details. Bonus Offer may be changed, cancelled or extended and cannot be combined with any other offers.

    Plus, as a Scotiabank Passport Visa Infinite credit cardholder you are always eligible to earn an annual 10,000 Scotia Rewards point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply - see 2 below for further details.

    Rates and Fees: The current annual fee for the Scotiabank Passport Visa Infinite credit card (“Account”) is $139 for the primary card, $0 for one additional supplementary card and $50 for each additional supplementary card thereafter.
    The current preferred annual interest rates for this Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.

    1) Bonus Offer Description and Conditions:To be eligible for the Bonus Offer, you must have at least $1,000 in eligible purchases posted to your new Scotiabank Passport Visa Infinite credit card account (“Account”) in the first 3 months from the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The 30,000 Bonus Offer points will be credited to the primary cardholder’s Scotia Rewards account within approximately 2-3 business days following the qualifying $1,000 in eligible purchases being posted to your Account within 3 months from the Account open date, provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (past due) or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Bonus Offer applies to new Accounts only opened by July 1, 2021.

    Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Bonus Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Bonus Offer.

    2) Annual Bonus Point Conditions: As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scotia Rewards point bonus starting at 10,000 Scotia Rewards points when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scotia Rewards points for every additional $10,000 in Purchases thereafter in that same year, after the $40,000 annual spend has been reached.

    The Annual bonus Scotia Rewards points will be credited within approximately 2-3 business days after you have met the $40,000 annual spend threshold on the Account and within approximately 2-3 business days after you have met each additional $10,000 annual spend threshold on the Account, provided your Account is open and in good standing. The Account is considered in good standing if it is not delinquent (past due) or over limit and the Cardholders(s) is not in breach of the Revolving Credit Agreement that applies to the Account.

    View More View Less
    Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
    $139 19.99% 22.99% 22.99%
    Scotiabank PassportTM Visa Infinite* Card
    • Earn up to 40,000 bonus Scotia Rewards points in your first year (that’s up to $400 towards travel )1
    • Earn 2x Scotia Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases and daily transit purchases (including buses, subways, taxis and more)
    • Enjoy no FX Mark-up
    • Full credit card details
    View More View Less
    Annual Fee:
    $139
    APR:
    19.99%
    Balance Transfer:
    22.99%
    Cash Advance:
    22.99%
    Apply Now
    Scotiabank American Express Card
    • Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months1
    • Earn one Scotia Rewards point on all eligible everyday purchases
    • Flexible Point Redemption
    • Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.

    ◊ Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the 5,000 bonus Scotia Rewards points offer (the “Offer”). Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

    Offer Description: To be eligible for the 5,000 bonus Scotia Rewards points offer (this “Offer”), you must have at least $500 in eligible purchases posted to your Scotiabank credit card account (“Account”) in the first 3 months from the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The bonus points will appear as an adjustment on your Account statement within 2 statement cycles after the third billing cycle has passed provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (past due) or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Offer applies to a new Account only opened by March 1, 2020.

    Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional supplementary card.
    The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions).

    All rates, fees, features and benefits are subject to change. Offers may be changed, cancelled or extended and cannot be combined with any other offers.

    View More View Less
    Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
    $0 19.99% 22.99% 22.99%
    Scotiabank American Express Card
    Scotiabank®* American Express® Card
    • Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months1
    View More View Less
    Annual Fee:
    $0
    APR:
    19.99%
    Balance Transfer:
    22.99%
    Cash Advance:
    22.99%
    Apply Now