Scotiabank Credit Cards

You can apply for these Scotiabank credit cards online by following the Apply Now link. All of these cards are available in Canada.

Detailed view | Quick comparison table

No-Fee Scotiabank Value® VISA* card Apply Now

No-Fee Scotiabank Value® VISA* card

Interest on:

Annual Fee

$0

Purchases

16.99%

Cash Advances

16.99%

Balance Transfers

16.99%1

  • 3.99% introductory interest rate on balance transfers for the first 6 months*
  • A great low rate with no annual fee
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.

The introductory 3.99% interest rate applies to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) only. This rate applies when the new Scotiabank credit card account (“Account”) is opened and will continue for 6 months from that date (“the Promotional Period”). 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 3.99% interest rate on any promotional balances (including that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) on your Account. Offer applies to new Accounts only that are opened by February 28, 2018. Offer may be changed or extended and cannot be combined with any other offer.

The preferred annual interest rates for the Account are: 16.99% on purchases and 16.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). Rates and fees are subject to change.

Notes:
  1. 3.99% for the first 6 months*
More information about the No-Fee Scotiabank Value® VISA* card

Scotia Momentum® Mastercard®* Credit Card Apply Now

Scotia Momentum® Mastercard®* Credit Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

22.99%

Balance Transfers

22.99%

  • 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
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.

The introductory 7.99% interest rate applies to purchases only. This rate applies when the new Scotiabank credit card account (“Account”) is opened and will then continue for 6 months from that date (“the Promotional Period”). After the Promotional Period, balances that were at 7.99% (including any unpaid balances) will increase to the preferred interest rate for purchases on your Account. Purchases exclude refunds, returns or other similar credits, payments, cash advances, balance transfers, Scotia Credit Card Cheques, interest, fees or other charges. Offer applies to new Accounts only that are opened by April 30, 2018. Offer may be changed or extended and cannot be combined with any other offer. Rates and fees are subject to change.

More information about the Scotia Momentum® Mastercard®* Credit Card

Scotia Momentum® No-Fee VISA* Card Apply Now

Scotia Momentum® No-Fee VISA* Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

22.99%

Balance Transfers

22.99%

  • 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
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.

The introductory 7.99% interest rate applies to purchase only. This rate applies when the Scotiabank credit card account (“Account”) is opened and will then continue for 6 months from that date. After the promotional period, balances that were at 7.99% (including any unpaid balances) will increase to the regular interest rate for purchases on your Account. Offer applies to new accounts opened by February 28, 2018.

The 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). Rates and fees are subject to change.

More information about the Scotia Momentum® No-Fee VISA* Card

Scotia Momentum® VISA* Infinite card Apply Now

Scotia Momentum® VISA* Infinite card

Interest on:

Annual Fee

$991

Purchases

19.99%

Cash Advances

22.99%

Balance Transfers

22.99%

  • Earn 5% cash back on everyday purchases for the first 3 months. Plus, your first year annual fee waived*
  • 4% on eligible gas station and grocery store purchases
  • 2% on eligible 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 February 1, 2018. Subject to change.

You will earn 5% cash back on the first $3000 posted to your new Scotia Momentum® Visa Infinite* card account (the “Account beginning on the Account open date and ending 3 months after that date or when you reach the maximum cash back threshold of $150, whichever comes first. You will earn regular cash back on purchases made after you have reached the $3000 maximum in the first 3 months. The bonus cash back amount will be applied to your Account within 2–3 months after the 3 month offer promotional period ends; so long as your Account is open and in good standing. All other terms of the Scotia Momentum® Visa Infinite* Cash Back Program Terms and Conditions apply. Offer applies to a new Account only opened by February 28, 2018. Offer may be changed or extended and cannot be combined with any other offer.

We will waive the initial annual fee for the primary card and each additional supplementary card for the first year. Offer applies to new Accounts only that are opened by February 28, 2018. Any additional supplementary cards must be issued by February 28, 2018, to qualify for the offer. Offer may be changed or extended and cannot be combined with any other offer.

The preferred annual fee is $99 for the primary card and $30 for each additional supplementary card. Rates and fees are subject to change.

Notes:
  1. *Waived for the first year
More information about the Scotia Momentum® VISA* Infinite card

Scotiabank Momentum VISA® Card Apply Now

Scotiabank Momentum VISA® Card

Interest on:

Annual Fee

$39

Purchases

19.99%

Cash Advances

22.99%1

Balance Transfers

22.99%2

  • 2.99% introductory interest rate on balance transfers for the first 6 months*
  • 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 February 1, 2018. Subject to change.

The introductory 2.99% interest rate applies to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) only. This rate applies when the new Scotiabank credit card account (“Account”) is opened and will continue for 6 months from that date (“the Promotional Period”). 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 balances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) that applies on your Account. Offer applies to new Accounts only that are opened by Febraury 28, 2018. Offer may be changed or extended and cannot be combined with any other offer.

The 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). Rates and fees are subject to change.

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).

Notes:
  1. 2.99% for the first 6 months*
  2. Intro Fee: $3.50*
More information about the Scotiabank Momentum VISA® Card

Scotiabank SCENE VISA® Card Apply Now

Scotiabank SCENE VISA® Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

22.99%

Balance Transfers

22.99%

  • Earn 4,000 bonus points with your first $500 in everyday purchases in first 3 months*
  • Earn 1 SCENE point for every $1 you spend on credit card purchases
  • Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.

To be eligible for the 4,000 bonus points, you must have at least $500 in net purchases (purchases less returns or similar credits) posted to your Scotiabank credit card account (“Account”) in the first 3 months from the Account open date. 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. Offer applies to new Account only opened by February 28, 2018. Offer may be changed or extended and cannot be combined with any other offer.

More information about the Scotiabank SCENE VISA® Card

Scotiabank Value® VISA* card Apply Now

Scotiabank Value® VISA* card

Interest on:

Annual Fee

$29

Purchases

11.99%

Cash Advances

11.99%

Balance Transfers

11.99%1

  • 0.99% introductory interest rate on balance transfers for the first 6 months*
  • Save hundreds of dollars in interest a year
  • Low 11.99% interest rate
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.

The introductory 0.99% interest rate applies to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) only. This rate applies when the new Scotiabank credit card account (“Account”) is opened and will continue for 6 months from that date (“the Promotional Period”). 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 balances (including that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) on your Account. Offer applies to new Accounts only that are opened by February 28, 2018. Offer may be changed or extended and cannot be combined with any other offer.

The preferred annual interest rates for the Account are: 11.99% on purchases and 11.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). Rates and fees are subject to change.

Notes:
  1. 0.99% for the first 6 months*
More information about the Scotiabank Value® VISA* card

Scotiabank® GM®* VISA* Card Apply Now

Scotiabank® GM®* VISA* Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

22.99%

Balance Transfers

0.00%

  • 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 February 1, 2018. Subject to change.

More information about the Scotiabank® GM®* VISA* Card

Scotiabank® GM®* VISA* Infinite Card Apply Now

Scotiabank® GM®* VISA* Infinite Card

Interest on:

Annual Fee

$791

Purchases

19.99%

Cash Advances

22.99%

Balance Transfers

22.99%

  • First year annual fee waived*
  • 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 February 1, 2018. Subject to change.

We will waive the initial annual fee for the primary card and each additional supplementary card for the first year. Offer applies to new Accounts only that are opened by February 28, 2018. Any additional supplementary cards must be issued by January 31, 2018 to qualify for the offer. Offer may be changed or extended and cannot be combined with any other offer.

The preferred annual fee is $79 for the primary card and $39 for each additional supplementary card. Rates and fees are subject to change.

Notes:
  1. $79 Waived for the first year*
More information about the Scotiabank® GM®* VISA* Infinite Card

Scotiabank® More Rewards® * VISA* card Apply Now

Scotiabank® More Rewards® * VISA* card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

22.99%

Balance Transfers

0.00%

  • Receive 15,000 bonus More Rewards points when you make your first purchase in 90 days*
  • Earn 6 More Rewards points for every $1 spent on purchases at participating More Rewards locations
  • • Earn 4 points for every $1 on other purchases everywhere else
  • There's no limit to the number of points you can earn
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.

The 15,000 More Rewards points offer is only available for a new Scotiabank More Rewards Visa Account (the “Account”) approved between June 1, 2017 and April 30, 2018 (the “Offer Period”). The 15,000 bonus points will be awarded if a first purchase is made on the new Account within the first 90 days of the Account opening date. Duplicate applications are not eligible for this bonus points offer. One bonus points offer per customer.  Bonus points will be awarded to the applicable More Rewards account within 30 days of the first purchase. This Bonus points offer is limited to one Account opening during the Offer Period per More Rewards membership. In cases where there are both primary and secondary More Rewards Visa Account cardholders, the 15,000 bonus points will be credited to the More Rewards membership account of the primary or secondary cardholder making the first purchase on the new Account within the first 90 days of the Account opening date.   Offer may be extended, changed or cancelled at any time without notice.  More Rewards points and the More Rewards program is owned and operated by Overwaitea Food Group Limited Partnership. For complete details about the More Rewards Program visit www.morerewards.ca. The Bank of Nova Scotia is not responsible for the Program including More Rewards points.

More information about the Scotiabank® More Rewards® * VISA* card

Scotiabank®* American Express® Card Apply Now

Scotiabank®* American Express® Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

22.99%

Balance Transfers

22.99%

  • Earn 5,000 bonus points with your first $500 in everyday purchases in first 3 months*
  • Earn one Scotia Rewards point on all eligible everyday purchases
  • Flexible Point Redemption
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.

To be eligible for the 5,000 bonus points, you must have at least $500 in net purchases (purchases less returns or similar credits) posted to your Scotiabank credit card account (“Account”) in the first 3 months from the Account open date. 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. Offer applies to new Account only opened by February 28, 2018. Offer may be changed or extended and cannot be combined with any other offer.

More information about the Scotiabank®* American Express® Card

Scotiabank®* Gold American Express® Card Apply Now

Scotiabank®* Gold American Express® Card

Interest on:

Annual Fee

$991

Purchases

19.99%

Cash Advances

22.99%

Balance Transfers

22.99%

  • Earn 25,000 bonus points with your first $1000 in everyday purchases in the first 3 months. Plus, first year annual fee waived*
  • 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
  • Complimentary Concierge Services 24/7
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.

To be eligible for the 25,000 bonus points, you must have at least $1000 in net purchases (purchases less returns or similar credits) posted to your Scotiabank credit card account (“Account”) in the first 3 months from the Account open date. 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. Offer applies to new Account only opened by February 28, 2018. Offer may be changed or extended and cannot be combined with any other offer.

We will waive the initial annual fee for the primary card and each additional supplementary card for the first year. Offer applies to new Accounts only that are opened by February 28, 2018. Any additional supplementary cards must be issued by February 28, 2018, to qualify for the offer. Offer may be changed or extended and cannot be combined with any other offer.

The preferred annual fee is $99 for the primary card and $29 for each additional supplementary card. Rates and fees are subject to change.

Notes:
  1. $99 Waived for the first year*
More information about the Scotiabank®* Gold American Express® Card

Scotiabank®* Platinum American Express® Apply Now

Scotiabank®* Platinum American Express®

Interest on:

Annual Fee

$399

Purchases

19.99%

Cash Advances

22.99%

Balance Transfers

22.99%

  • Earn 30,000 bonus points upon first purchase*
  • Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible everyday purchases
  • Complimentary membership to Priority Pass Airport Lounges Worldwide
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.

To be eligible for the 30,000 bonus points, a purchase must be posted to your new Scotiabank credit card account (“Account”) within 60 days of your Account open date. The bonus points will appear as an adjustment on your Account statement within 2 statement cycles of your first card purchase provided the Account is open and in good standing. Offer applies to a new Account only opened by February 28, 2018. Offer may be changed or extended and cannot be combined with any other offer.

More information about the Scotiabank®* Platinum American Express®

ScotiaGold Passport VISA® Card Apply Now

ScotiaGold Passport VISA® Card

Interest on:

Annual Fee

$110

Purchases

19.99%

Cash Advances

22.99%

Balance Transfers

22.99%

  • Earn 5,000 bonus points upon your first purchase*
  • Earn 1 Scotia Rewards point for every $1 you spend on eligible everyday purchases
  • 5% cash back on travel purchased through Scotia Rewards
  • Flexible Point Redemption
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.

To be eligible for the 5,000 bonus points, a purchase must be posted to your new Scotiabank credit card account (“Account”) within 60 days of your Account open date. The bonus points will appear as an adjustment on your Account statement within 2 statement cycles of your first card purchase provided the Account is open and in good standing. Offer applies to a new Account only opened by February 28, 2018. Offer may be changed or extended and cannot be combined with any other offer.

More information about the ScotiaGold Passport VISA® Card
If you have found an error or inaccurate information related to a credit card, you can report a listing.