Scotia Credit Card Offers

Updated on December 15, 2021

Travel Rewards / Scene+ Cards



Scotia Gold American Express Card


Annual Fee $120 Additional Cards: $29

• Earn up to 40,000 bonus Scene+ Rewards points in your first year (that’s up to $400 towards travel) Plus, no annual fee in the first year, including on supplementary cards1 and get a 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $120) (1% balance transfer fee)1
• To be eligible for 20,000 bonus  Scene+ points you must open a new Account by February 28, 2022 and have at least $1,000 in eligible purchases posted to your new Account in the first 3 months. To be eligible for an additional  20,000 bonus Scene+ points you must have at least $7,500 in eligible purchases posted to your new Account in your first year (12 months) from the Account open date
• Earn 5 Scene+ Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
• Earn 3 Scene+ Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
• Earn 1 point for every $1 you spend on all other eligible everyday purchases
• Complimentary Concierge Services 24/7
• Amex exclusive benefits (Front Of The Line)
• Rates, fees, offers and other information are effective as of Mar 1, 2021. Subject to change.

• 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.
• Low price airfare alerts
• Receive up to 25% off qualifying car rentals
• Travel emergency medical coverage is automatically provided for eligible persons for up to 25 consecutive days
• Redeem points for merchandise and other rewards

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Scotiabank Passport Visa Infinite card

Annual Fee: $139 Additional Cards: $0 for first card $50 for each additional
Minimum Income $60,000

• Earn up to 30,000 bonus Scene+ Rewards points in your first year (that’s up to $300 towards travel )1 Plus, no annual fee in the first year, including on supplementary cards and 2.99% introductory interest rate on purchases and balance transfers for the first 6 months1 (19.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $139)
Bonus offer broken down as follows:
- Earn 20,000 bonus Scene+ Rewards points by making at least $1,000 in everyday eligible purchases in your first 3 months.
- Plus, as a Scotiabank Passport Visa Infinite cardholder, you are eligible to earn an annual 10,000 Scene+ Rewards point bonus when you spend at least $40,000 in everyday net eligible purchases annually.
• Earn 2x Scene+ 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.


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Scotia SCENE Visa Card


• Earn 5,000 bonus Scene+ points with your first $750 in everyday purchases in first 3 months1\
• 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 Mar 1, 2021. Subject to change.

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Scotiabank®* Platinum American Express® Card


• Earn 30,000 bonus Scene+ Rewards points upon first purchase◊
• Earn 4x Scene+ 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
• 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.
• Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.

Apply Now



Scotiabank American Express Card


Annual Fee $0

• Earn 5,000 bonus Scene+ Rewards points with your first $500 in everyday purchases in first 3 months◊
• Earn one Scene+ point on all eligible everyday purchases
• Flexible Point Redemption
• Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.

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ScotiaGold Passport® VISA* card


Annual Fee $0

• Earn 5,000 bonus Scene+ 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 Mar 1, 2021. Subject to change

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Cash Back Cards



Scotia Momentum® VISA* Infinite card


Special Welcome Offer: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1 No annual fee in the first year, including on supplementary cards.1 Get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months

• 4% on eligible recurring bill payments and grocery store purchases
• 2% on eligible gas station and daily transit purchases
• 1% cash back on all other eligible everyday purchases
• Complimentary Concierge Services 24/7
• Visa Infinite Dining Series
• Visa Infinite Music Series
• Wine Country Wonders
• Luxury Hotel Privileges
• Comprehensive Travel Insurance & New Mobile Device Insurance coverage
• Rates, fees and other information are effective as of November 21, 2021. Subject to change.

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Scotia Momentum® Visa* card


Annual Fee $39 Supplementary Cards: $0
Annual interest rate 19.99% on purchases and 22.99% on cash advances, balance transfers and Scotia Credit Card Cheques

• 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.

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Scotia Momentum® No-Fee Visa* card


Annual Fee $0 Supplementary Cards: $0
Annual interest rate 19.99% on purchases and 22.99% on cash advances, balance transfers and Scotia Credit Card Cheques

• Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (19.99% on purchases/22.99% on cash advances including balance
• 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

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Scotia Momentum® Mastercard


• 7.99% introductory interest rate on purchases for the first 6 months (20.99% after that)◊
• 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 Mar 1, 2021. Subject to change.

Apply Now




Scotiabank® GM®* VISA* Infinite Card

Annual Fee $79 Supplementary Cards: $39
Annual interest rate 19.99% on purchases and 22.99% on cash advances, balance transfers and Scotia Credit Card Cheques

• 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 Mar 1, 2021. Subject to change.

Apply Now


Scotiabank® GM®* VISA* Card

Annual Fee $0 Supplementary Cards: $39
Annual interest rate 19.99% on purchases and 22.99% on cash advances, balance transfers and Scotia Credit Card Cheques

• 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.

Apply Now

Small Business Rewards Cards



Scotiabank Passport Visa Infinite Business card

Annual Fee: $199 Additional Cards: $0 for first card $50 for each additional
Minimum Income $60,000

• Earn up to 40,000 bonus Scene+ Rewards points in your first year (that’s up to $400 towards travel )
Bonus offer broken down as follows:
- Earn 30,000 bonus Scene+ Rewards points by making at least $5,000 in everyday eligible purchases in your first 3 months.
- Plus, as a Scotiabank Passport Visa Infinite Business cardholder, you are eligible to earn an annual 10,000 Scene+ Rewards point bonus when you spend at least $60,000 in everyday net eligible purchases annually.
• Earn 1.5X the Scene+ points for every $1 spent on purchases for your business
• 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.


Apply Now




Bank Account Bonuses

Scotiabank Ultimate Package
• An offer worth a second look – earn a $350* welcome bonus with the Scotiabank Ultimate Package!
• Earn up to 0.60% interest on your MomentumPLUS Savings Account1
• Unlimited debit transactions2 & Interac e-Transfer† transactions
• Up to $139 annual fee waiver each year on select credit cards2
• Unlimited no-fee Scotia International Money Transfers3
• Voted 2020 Best Premium Bank Account For Bundling By MoneySense

Apply Now


* "* To qualify, certain conditions must be met. Offer ends December 16, 2021. Visit www.scotiabank.com/ultimate350 for full terms
1 Conditions apply. Actual interest rate will vary based on the savings period (the Premium Period) that applies. Visit scotiabank.com/mpsa to learn more.
2 Conditions apply. Visit www.scotiabank.com/ultimate350 to learn more.
3 For Ultimate Package customers, no service fee is charged for the transfer, however, foreign currency exchange rates apply. Subject to daily limits and additional Terms and Conditions found in the Scotiabank International Money Transfer Agreement.
† Interac e-Transfer is a registered trade-mark of Interac Corp. Used under license
®Registered trademarks of The Bank of Nova Scotia
Scotiabank Preferred Package
• Our most popular features packaged for your everyday banking needs. Earn a $300* welcome bonus with the Scotiabank Preferred Package.
• Earn up to 0.55% interest on your MomentumPLUS Savings Account1
• Unlimited debit transactions2 & Interac e-Transfer† transactions
• First year annual fee waiver (up to $139) on select credit cards2
• Send money globally for $1.993 with Scotia International Money Transfer

Apply Now

*To qualify, certain conditions must be met. Offer ends December 16, 2021. Visit www.scotiabank.com/ultimate350 for full terms
1 Conditions apply. Actual interest rate will vary based on the savings period (the Premium Period) that applies. Visit scotiabank.com/mpsa to learn more.
2 Conditions apply. Visit www.scotiabank.com/ultimate350 to learn more
3 Foreign currency exchange rate also applies.Subject to daily limits and additional Terms and Conditions found in the Scotiabank International Money Transfer Agreement.

† Interac e-Transfer is a registered trade-mark of Interac Corp. Used under license
®Registered trademarks of The Bank of Nova Scotia "

Scotiabank Basis Plus Account
• 25 free debit transactions1 per month
• 10 free Interac e-Transfer† transactions per month

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* 1 Conditions apply. Visit https://www.scotiabank.com/ca/en/personal/bank-accounts/chequing-accounts/basic-plus.html to learn more
. †Interac e-Transfer is a registered trade-mark of Interac Corp. Used under license."



Scotiabank Value® Visa* Card

Card Type: Credit   
Annual Fee: $29 Additional Card Fee: $0
Annual interest rate 12.99% on purchases and 12.99% on cash advances, balance transfers and Scotia Credit Card Cheques

• 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)◊
• 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.

Apply Now