Annual fee
$399
Primary cardholder
Best Scotiabank Credit Cards in Canada
Scotiabank cards are worth comparing by reward fit
Scotiabank cards often connect to Scene+ rewards, cash back, travel benefits, and no-FX fee use cases. RateBuddy helps organize fees, rewards, welcome offers, benefits, and everyday usefulness so you can compare the lineup clearly.
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Compare Top Scotiabank Cards
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Ready to refine
Annual fee
$399
Purchase APR
9.99%
Cash advance
9.99%
Scotiabank
Best for
Travel Rewards
Low Interest
Premium
Best for
Travel Rewards
Low Interest
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$2,500
Estimated rewards from spending
Based on $1,500 in monthly spending
$360
First-year annual fee
Fee charged during the first year
$399
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$2,461
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 2% | $108 |
| Dining | $300 | 2% | $72 |
| Gas and transit | $150 | 2% | $36 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 2% | $18 |
| Other purchases | $450 | 2% | $108 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Purchase APR
9.99%
Regular purchase rate
Cash advance APR
9.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$99
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$12,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$150
Purchase APR
20.99%
Cash advance
22.99%
Scotiabank
Best for
Travel Rewards
Premium
Best for
Travel Rewards
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$1,500
Estimated rewards from spending
Based on $1,500 in monthly spending
$324
First-year annual fee
Fee charged during the first year
$150
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$1,674
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 3% | $162 |
| Dining | $300 | 2% | $72 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$150
Primary cardholder
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$50
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$60,000
Minimum household income
$100,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$120
Purchase APR
21.99%
Cash advance
22.99%
Scotiabank
Best for
Travel Rewards
Premium
Rewards
Best for
Travel Rewards
Premium
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$850
Estimated rewards from spending
Based on $1,500 in monthly spending
$648
First-year annual fee
Fee charged during the first year
$120
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$1,378
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 6% | $324 |
| Dining | $300 | 5% | $180 |
| Gas and transit | $150 | 3% | $54 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 3% | $27 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$120
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$29
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$12,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$120$0
First year waived
Purchase APR
20.99%
Cash advance
22.99%
Scotiabank
Best for
Travel Rewards
Premium
Best for
Travel Rewards
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$320
Estimated rewards from spending
Based on $1,500 in monthly spending
$423
First-year annual fee
$120 first-year fee waiver applied
$120
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$743
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 4% | $216 |
| Dining | $300 | 2% | $72 |
| Gas and transit | $150 | 2% | $36 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 4% | $36 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Cash Back
First year free
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0 first year
Then $120 annually
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$50
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$60,000
Minimum household income
$100,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
21.99%
Cash advance
22.99%
Scotiabank
Best for
No Annual Fee
Rewards
Best for
No Annual Fee
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$50
Estimated rewards from spending
Based on $1,500 in monthly spending
$351
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$401
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 3% | $162 |
| Dining | $300 | 2% | $72 |
| Gas and transit | $150 | 2% | $36 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 2% | $18 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$12,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
21.99%
Cash advance
22.99%
Scotiabank
Best for
No Annual Fee
Student
Rewards
Best for
No Annual Fee
Student
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$50
Estimated rewards from spending
Based on $1,500 in monthly spending
$351
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$401
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 3% | $162 |
| Dining | $300 | 2% | $72 |
| Gas and transit | $150 | 2% | $36 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 2% | $18 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$12,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
20.99%
Cash advance
22.99%
Scotiabank
Best for
Cash Back
No Annual Fee
Balance Transfer
Best for
Cash Back
No Annual Fee
Balance Transfer
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$200
Estimated rewards from spending
Based on $1,500 in monthly spending
$153
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$353
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 0.5% | $27 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Cash Back
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
20.99%
Cash advance
22.99%
Scotiabank
Best for
Cash Back
No Annual Fee
Balance Transfer
Best for
Cash Back
No Annual Fee
Balance Transfer
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$200
Estimated rewards from spending
Based on $1,500 in monthly spending
$153
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$353
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 0.5% | $27 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Cash Back
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$0
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
21.99%
Cash advance
22.99%
Scotiabank
Best for
No Annual Fee
Rewards
Best for
No Annual Fee
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$100
Estimated rewards from spending
Based on $1,500 in monthly spending
$234
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$334
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 2% | $108 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
21.99%
Cash advance
22.99%
Scotiabank
Best for
No Annual Fee
Student
Rewards
Best for
No Annual Fee
Student
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$100
Estimated rewards from spending
Based on $1,500 in monthly spending
$234
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$334
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 2% | $108 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$0
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Showing 10 of 17 cards
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We highlight the "gotchas" and fees just as clearly as the perks.
Direct & Secure
No data harvesting. We send you straight to the bank's secure official site.
Rewards for Real Life
From grocery runs at Sobeys to movie nights at Cineplex, Scene+ is designed to reward the routine spending you do every week.
Grocery Multipliers
Scene+ has rapidly evolved into a powerhouse for grocery rewards in Canada. You can earn significantly higher point multipliers at Empire-owned grocers including Sobeys, Safeway, IGA, FreshCo, and Foodland. For families, groceries are often the largest monthly expense, making this a high-yield category. By using a Scene+ credit card for your weekly shop, you can accumulate points much faster than on general spending. These points can then be redeemed right back at the checkout to lower your grocery bill.
Entertainment & Dining
Originally famous for movies, the program remains the best choice for entertainment lovers. Redeem points for movie tickets, concession snacks, and VIP experiences at Cineplex theatres nationwide. Beyond movies, the program includes flexible redemptions for dining at popular partner restaurants like Swiss Chalet, Harvey’s, and Montana’s. It’s the perfect program for funding your "fun money" budget. Whether it is a date night or a family outing, your points cover the cost.
Flexible Travel Redemption
Scene+ offers one of the most flexible travel redemption systems on the market. You are not locked into specific airlines or blackout dates. You can book travel your way—flights, hotels, or car rentals—through Scene+ Travel, or apply points to travel purchases booked independently. This "Book Your Way" feature allows you to hunt for the best deals on Expedia or Booking.com and simply erase the cost with points later. It combines the freedom of cash with the earning power of points.
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Cash Back
Earn money on daily spend.
Travel Rewards
Best for frequent flyers.
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KNOWLEDGE BASE
Frequently Asked Questions
Common questions about Compare Top Scotiabank Cards Cards and financial strategy.
Disclaimer: Information is for educational purposes only and does not constitute financial or legal advice. Terms subject to change by issuers.
Credit card networks (Visa/Mastercard) set their own daily exchange rates, which are generally very close to the market rate. However, unless you have a No-FX fee card, the issuer adds a surcharge (usually 2.5%) on top of this rate, which is why the total cost is higher than the spot market rate.
It can be, depending on your usage. Premium cards with annual fees often come with higher reward earn rates, comprehensive insurance, and perks like lounge access. If the value of the rewards and benefits you utilize exceeds the cost of the fee, the card may offer a positive net value.
A hard inquiry (from a credit application) typically remains on your credit report for up to 36 months, though its impact on your credit score generally diminishes significantly after the first 12 months.
Contactless payments use encryption technology similar to Chip & PIN transactions. Limits are typically placed on the amount allowed per tap (e.g., $100-$250) to minimize risk. If a thief exceeds this limit, a PIN is required. You are also protected by the issuer's Zero Liability policy for fraudulent tap transactions.
Providing your Social Insurance Number (SIN) is usually optional for credit card applications, though it can help the issuer verify your identity and locate your credit file more accurately. You can generally apply without it, provided you supply other identification details.
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