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Scotiabank offers 17 credit cards designed for different goals and budgets. Below are our top picks across categories—travel rewards, cash back, student cards, low-interest options and premium perks—so you can quickly find the Scotiabank card that best matches your spending habits and needs.
| Best card by category | Why we recommend it |
|---|---|
| Best for travel rewards Scotiabank Gold American Express Annual fee: $120 (first year waived) |
High Scene+ earn rates (up to 6 points per $1 at select grocery banners) and no foreign transaction fees. |
| Best for cash back Scotia Momentum Visa Infinite + Annual fee: $120 (first year waived) |
4% cash back in common everyday categories including recurring bills and subscriptions. |
| Best for students Scotiabank Scene+ Visa Annual fee: $0 |
No annual fee, good earn rates on everyday spending and flexible Scene+ redemptions for movies and dining. |
| Best for low interest Scotiabank Value Visa Annual fee: $29 (first year waived) |
One of Scotiabank’s lowest purchase rates to help you manage and reduce outstanding balances. |
| Best for perks Scotiabank Passport Visa Infinite + Annual fee: $150 |
No foreign transaction fees, lounge access and comprehensive travel perks. |
Best for travel rewards
Scotiabank Gold American Express
Annual fee: $120 (first year waived)
Rewards:
- 6 points per $1 at Sobeys-affiliated stores
- 5 points per $1 on dining, entertainment and groceries
- 3 points per $1 on gas, transit and streaming
- 1 point per $1 on other purchases
- No foreign transaction fees on purchases made in other currencies
Welcome offer: Earn up to $850 in combined welcome offers, first-year rewards and savings value, including up to 45,000 bonus Scene+ points. Offer ends July 1, 2026.
Card details
| Interest rates | 21.99% purchases; 22.99% cash advances and balance transfers |
| Income required | $12,000 per year |
| Credit score | 725 or higher |
| Point value | 1 Scene+ point = $0.01 when redeemed for travel, store purchases and Cineplex offers |
Why we like it: the Gold Amex combines strong earn rates with travel-friendly features, including no foreign transaction fees. For frequent travellers and cross-border shoppers, avoiding FX fees effectively increases your savings on each foreign purchase. The card also includes travel insurance and welcome incentives that justify the annual fee for many users.
Best for cash back
Scotia Momentum Visa Infinite +
Annual fee: $120 (first year waived)
Rewards:
- 4% cash back on groceries, recurring bill payments and subscription services
- 2% cash back on gas and public transit
- 2% cash back on food delivery
- 1% cash back on all other purchases
Welcome offer: 15% cash back on all purchases for the first three months (up to $2,000 in total purchases). No annual fee in the first year, including on additional cards.
Card details
| Interest rates | 20.99% purchases; 22.99% cash advances and balance transfers |
| Income required | New requirement: minimum personal income roughly $60,000–$80,000 or household income $100,000–$150,000, or certain assets under management |
| Credit score | 725 or higher |
Why we like it: the Momentum Visa Infinite + targets everyday spending where most people naturally spend—the combination of 4% back in core categories and an easy redemption structure makes it a smart choice for maximizing simple, practical rewards. The “cash back anytime” feature also allows flexible redemptions once a minimum balance is met.
Honourable mention: Scotia Momentum Visa
Annual fee: $49
Rewards: 2% cash back on groceries, gas, drug stores and recurring bills; 2% on transit, rideshare and delivery; 1% on other purchases.
Welcome offer: 2.99% interest on purchases and balance transfers for the first six months. Offer ends October 31, 2026.
Why consider it: a solid lower-fee alternative for shoppers who want consistent cash back in high-use categories without paying a premium annual fee.
Best for students
Scotiabank Scene+ Visa
Annual fee: $0
Rewards:
- 2 Scene+ points per $1 at Sobeys banner stores and Cineplex
- 1 Scene+ point per $1 everywhere else
Welcome offer: Earn up to 10,000 bonus Scene+ points within the first three months. Offer ends July 1, 2026.
Card details
| Interest rates | 20.99% purchases; 22.99% cash advances and balance transfers |
| Income required | $12,000 per year |
| Credit score | 660 or higher |
| Point value | 1 Scene+ point = $0.01 when redeemed for travel, Cineplex and partner offers |
Why we like it: a no-fee card that still rewards everyday spending and offers flexible redemptions, making it well-suited to students who want perks without extra cost.
Best for low interest
Scotiabank Value Visa
Annual fee: $29 (first year waived)
Balance transfer offer: 0.99% interest for nine months on balance transfers. Offer ends October 31, 2026.
Card details
| Interest rates | 13.99% purchases, cash advances and balance transfers |
| Income required | $12,000 per year |
| Credit score | 725 or higher |
Why we like it: with a purchase rate materially lower than typical credit card APRs, the Value Visa helps cardholders manage and reduce revolving balances more affordably.
Best for perks
Scotiabank Passport Visa Infinite +
Annual fee: $150
Rewards:
- 3 Scene+ points per $1 at Sobeys stores
- 2 points per $1 on groceries, dining, entertainment and transit
- 1 point per $1 on other eligible purchases
Welcome offer: Earn up to $1,500 in first-year value, including up to 60,000 bonus Scene+ points. Offer ends July 1, 2026.
Card details
| Interest rates | 20.99% purchases; 22.99% cash advances and balance transfers |
| Income required | Typical eligibility: personal income around $60,000–$80,000 or household income $100,000–$150,000, or specified assets under management |
| Credit score | 725 or higher |
| Point value | 1 Scene+ point = $0.01 when redeemed for travel on airlines, hotels and other partners |
Why we like it: a travel-focused Visa that forgoes foreign transaction fees and adds perks such as airport lounge access and travel insurance—appealing for frequent travellers who value comfort and convenience.
Honourable mention: Scotiabank Platinum Amex
Annual fee: $399
Rewards: 2 points per $1 on eligible purchases; no foreign transaction fees.
Welcome offer: Potentially high first-year value, including bonus Scene+ points as advertised. Offer ended January 1, 2026 in the original listing.
Why consider it: the Platinum Amex bundles premium perks—airport lounge visits, travel benefits and exclusive events—into a single package for those who value high-touch travel experiences and luxury-level perks.
Card details
| Interest rates | 9.99% purchases and cash advances; 22.99% balance transfers |
| Income required | $12,000 per year |
| Credit score | 760 or higher |
| Point value | 1 Scene+ point = $0.01 when redeemed for travel on airlines or hotels |
More of Canada’s best credit cards:
- Scotiabank Gold American Express Review
- Best travel credit cards in Canada
- Best cash back credit cards in Canada