Ratesopedia
Ranking · Updated May 2026

Best Scotiabank Credit Cards in Canada

Compare all Scotiabank credit cards. Scene+, Momentum, Passport Visa Infinite, and Gold Amex reviewed.

14
cards
Best for: Overall value
Scotiabank®* Platinum American Express® Card
Scotiabank®* Platinum American Express® Card
5.0Ratesopedia rating

It comes with a welcome bonus of 80,000 pts. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,281.

Best of MonthAmerican Express Canada

Annual Fee

$399

Rewards rate

2x

Sceneplus

Welcome Bonus

80,000 pts

1st Year Value

$1,281

Pros

  • Welcome bonus of 80,000 pts
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $1,281

Cons

  • High annual fee ($399)
  • Requires good credit
Best for: Overall value
Scotiabank Passport® Visa Infinite Privilege* Card
Scotiabank Passport® Visa Infinite Privilege* Card
4.8Ratesopedia rating

It comes with a welcome bonus of 100,000 pts. You earn 1x on groceries and 2x at restaurants. Estimated first-year value is $1,232.

Best of MonthVisa

Annual Fee

$599

Rewards rate

1x

Sceneplus

Welcome Bonus

100,000 pts

1st Year Value

$1,232

Pros

  • Welcome bonus of 100,000 pts
  • 2x at restaurants
  • Estimated 1st-year value of $1,232

Cons

  • High annual fee ($599)
  • Requires good credit
Best for: Overall value
Scotiabank Passport® Visa Infinite Business* Card
Scotiabank Passport® Visa Infinite Business* Card
4.7Ratesopedia rating

It comes with a welcome bonus of 40,000 pts. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $1,191.

Visa

Annual Fee

$199

Rewards rate

1.5x

Sceneplus

Welcome Bonus

40,000 pts

1st Year Value

$1,191

Pros

  • Welcome bonus of 40,000 pts
  • Estimated 1st-year value of $1,191

Cons

  • High annual fee ($199)
  • Requires good credit
Best for: Overall value
Scotiabank Passport® Visa Infinite +* Card
Scotiabank Passport® Visa Infinite +* Card
4.5Ratesopedia rating

It comes with a welcome bonus of 60,000 pts. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $997.

Best of MonthVisa

Annual Fee

$150

Rewards rate

1x

Scene+

Welcome Bonus

60,000 pts

1st Year Value

$997

Pros

  • Welcome bonus of 60,000 pts
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $997

Cons

  • Requires good credit
Best for: Cash back
Scotia Momentum® Visa Infinite +* Card
Scotia Momentum® Visa Infinite +* Card
4.3Ratesopedia rating

The Scotia Momentum® Visa Infinite +* Card offers the first year free (regular fee $120/yr). It comes with a welcome bonus of 300 pts. You earn 4x on groceries and 1x at restaurants. Estimated first-year value is $948.

Best of Month1st Year FreeVisa

Annual Fee

$120 $0

Rewards rate

1x

Cash Back

Welcome Bonus

300 pts

1st Year Value

$948

Pros

  • First year free
  • Welcome bonus of 300 pts
  • 4x on groceries
  • Estimated 1st-year value of $948

Cons

  • Fewer premium perks
Best for: Overall value
Scotiabank Gold American Express® Card
Scotiabank Gold American Express® Card
4.2Ratesopedia rating

It comes with a welcome bonus of 45,000 pts. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $911.

Best of MonthAmerican Express Canada

Annual Fee

$120

Rewards rate

1x

Sceneplus

Welcome Bonus

45,000 pts

1st Year Value

$911

Pros

  • Welcome bonus of 45,000 pts
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $911

Cons

  • Requires good credit
Best for: No annual fee
Scotiabank American Express® Card
Scotiabank American Express® Card
3.8Ratesopedia rating

The Scotiabank American Express® Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 5,000 pts. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $393.

Best of MonthAmerican Express Canada

Annual Fee

$0

Rewards rate

1x

Sceneplus

Welcome Bonus

5,000 pts

1st Year Value

$393

Pros

  • No annual fee
  • Welcome bonus of 5,000 pts
  • 2x on groceries
  • 2x at restaurants

Cons

  • Requires good credit
Best for: No annual fee
Scotiabank® Scene+™ Visa* Card
Scotiabank® Scene+™ Visa* Card
3.8Ratesopedia rating

The Scotiabank® Scene+™ Visa* Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 10,000 pts. You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $345.

Best of MonthVisa

Annual Fee

$0

Rewards rate

1x

Sceneplus

Welcome Bonus

10,000 pts

1st Year Value

$345

Pros

  • No annual fee
  • Welcome bonus of 10,000 pts
  • 2x on groceries
  • Estimated 1st-year value of $345

Cons

  • Requires good credit
Best for: Cash back
Scotia Momentum® Visa* Card
Scotia Momentum® Visa* Card
3.7Ratesopedia rating

You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $321.

Best of MonthVisa

Annual Fee

$49

Rewards rate

1x

Cashback

Welcome Bonus

1st Year Value

$321

Pros

  • 2x on groceries
  • Estimated 1st-year value of $321

Cons

  • No welcome bonus
  • Requires good credit
Best for: No annual fee
Scotia Momentum® No-Fee Visa* Card
Scotia Momentum® No-Fee Visa* Card
3.8Ratesopedia rating

The Scotia Momentum® No-Fee Visa* Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 100 pts. You earn 1x on groceries and 0.5x at restaurants. Estimated first-year value is $280.

Best of MonthVisa

Annual Fee

$0

Rewards rate

0.5x

Cashback

Welcome Bonus

100 pts

1st Year Value

$280

Pros

  • No annual fee
  • Welcome bonus of 100 pts

Cons

  • Requires good credit

Complete Guide

Best Scotiabank Credit Cards in Canada

Compare all Scotiabank credit cards. Scene+, Momentum, Passport Visa Infinite, and Gold Amex reviewed.

Scotiabank Credit Card Lineup

Scotiabank offers 14 credit cards spanning Scene+ rewards, cash back (Momentum), travel (Passport), and co-branded options. Their Scene+ program is one of Canada’s most versatile loyalty programs, earning points redeemable for movies, groceries, travel, and dining.

Top Picks

The Scotiabank Passport Visa Infinite is a standout for no-foreign-transaction-fee travel. The Scotia Momentum Visa Infinite offers one of the highest grocery cash back rates in Canada at 4%. The Scotiabank Gold American Express is a strong mid-tier travel option.

14

Cards analyzed

May 2026

Last updated

100%

Independent

Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

📊Real data
🔄Updated regularly
⚖️Unbiased review
🎯Transparent criteria

FAQ

Frequently Asked Questions

1What is the best Scotiabank credit card?

The Scotiabank Passport Visa Infinite is ideal for travellers (no FX fees). The Scotia Momentum Visa Infinite is best for cash back on groceries (4%).

2What can I redeem Scene+ points for?

Scene+ points can be redeemed for Cineplex movies, groceries at Sobeys/IGA, travel bookings, dining at Recipe restaurants, and more.

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