Best Scotiabank Credit Cards in Canada - September 2026

Earn up to $950 in welcome offers, rewards and savings in the first year, and including up to 50,000 bonus Scene+ points¹.

• Earn 6x Scene+ points¹ for every dollar spent at Sobeys, Safeway, Freshco, Foodland and more.
• Earn 5x Scene+ points¹ for every dollar spent on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
• Earn 5x Scene+ points¹ for every dollar spent on eligible entertainment in Canada. Includes cinemas, theatres and ticket agencies.
• Earn 3x Scene+ points¹ for every Canadian dollar spent in Canada on gas and daily transit. Includes rideshares, buses, subway, taxis and more.
• Earn 3x Scene+ points¹ for every Canadian dollar spent in Canada on select eligible streaming services.
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
• No Foreign Transaction Fee
• Comprehensive Travel Insurance coverage
• AMEX Offers^®
• American Express^® Front Of The Line^®
• American Express Invites^®
• Complimentary Concierge Services

Rates, fees and other information are effective as of July 2, 2026. Subject to change.

Earn up to $3,000^* in savings and rewards in the first 14 months, including up to 100,000 bonus Scene+ points¹.

• Plus, earn 2X Scene+ points for every dollar spent on all other eligible purchases.
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
• No Foreign Transaction Fee
• Comprehensive Travel Insurance coverage
• Mobile Device Insurance coverage
• 10 free airport lounge passes per year
• Platinum+ VIP offers
• American Express Invites^®
• Free premium concierge services

Rates, fees and other information are effective as of July 2, 2026. Subject to change.

Get 15% cash back on all purchases (up to $2,000 in total purchases) for the first three months¹. 0% introductory rate on balance transfers for the first 12 months (2% cash advance fee, thereafter: 22.99%)¹.

• Pay no annual fee in the first year, including on additional cards¹
• 4% for every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases.
• 2% for every dollar spent on gas and daily transit purchases
• 1% cash back on all other purchases with no cashback limit
• Visa Infinite* Concierge Services
• Visa Infinite* Hotel Collection
• Visa Infinite* Dining and Wine Country Program
• Comprehensive Travel Insurance & New Mobile Device Insurance coverage
• New 2% Cash Back earn category: You will earn 2% on all eligible purchases of Food Delivery¹.
• New Cash Back Anytime feature: Redeem your cash back that you’ve earned whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption)¹.

Rates, fees and other information are effective as of July 2, 2026. Subject to change.

Earn up to $1,250 in first year welcome offers, rewards and savings^*, including up to 35,000 bonus Scene+ points¹

• Earn 3x Scene+ points¹ for every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops and more
• Earn 2x Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways, taxis and more)
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
• No Foreign Transaction Fee
• 6 Complimentary Airport Lounge Access
• Comprehensive Travel Insurance coverage
• Visa Infinite* Concierge Services
• Visa Infinite* Hotel Collection
• Visa Infinite* Dining and Wine Country Program

Rates, fees and other information are effective as of Aug 4,2026. Subject to change.

Earn up to 10,000 bonus Scene+ points^¹ within your first 3 months (that’s up to $100 towards travel).

• Earn 3x Scene+ points^¹ on every $1 you spend at Sobeys, Safeway, Freshco and more
• Earn 2x Scene+ points^¹ for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions.
• Earn 2x Scene+ points^¹ for every $1 you spend on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
• Earn 2x Scene+ points^¹ for every $1 you spend on eligible gas and daily transit. Includes rideshares, buses, subway, taxis and more.
• Earn 2x Scene+ points^¹ for every $1 you spend on eligible select streaming services.
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
• Mobile Device Insurance coverage
• American Express Invites^®

Rates, fees and other information are effective as of October 31, 2025. Subject to change.

• Earn up to $2,800* in first year savings and reward value, including no annual fee in your first year and up to 40,000 bonus Scene+ points with the Passport^™ Visa Infinite Business* Card*
• No Foreign Transaction Fee
• 6 complimentary airport lounge visits per year
• Comprehensive Travel Insurance coverage

Earn up to 5,000 bonus Scene+ points within your first 3 months¹.

• No annual fee for the first year, including on additional cards¹
• Earn 2x Scene+ points¹ for every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, FreshCo and more
• Earn 2x Scene+ points¹ for every $1 you spend at Home Hardware, Home Building Centre and Home Furniture locations in Canada and online at homehardware.ca
• Earn 2x Scene+ points¹ for every $1 you spend at Cineplex theatres or online at cineplex.com
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.

Rates, fees and other information are effective as of July 2, 2026. Subject to change.

Introductory rate of 0.99% on balance transfers for the first nine months (2% fee per cash advance, thereafter: 22.99% on cash advances, including balance transfers; $49 annual fee)^¹.

• Get 2% cash back on every dollar spent at eligible gas stations, grocery stores and drugstores, as well as on recurring bill payments^¹
• Get 1% cash back on all other eligible cash back purchases^¹
• New 2% Cash Back earn category: You will earn 2% on all eligible purchases of Food Delivery^¹.
• New Cash Back Anytime feature: Redeem your cash back that you’ve earned whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption)^¹.

Rates, fees, offers and other information are effective as of October 31, 2025. Subject to change.

Welcome offer: earn 5% cash back on your first $6,500 in eligible purchases in the first 3 months.

2.99% introductory interest rate on Balance transfers for the first 6 months (22.99% after that, annual fee $79)

• 3% back on eligible purchases at gas stations, restaurants, office supply stores, and electric vehicle charging stations
• 2% back on eligible shipping services and accounting or bookkeeping services, as well as on eligible recurring bill payments
• 1% back on all other everyday business purchases
• 25-day interest-free grace period on new purchases
• Suite of comprehensive insurances
• Enjoy the flexibility of buying now and paying little by little with Scotia SelectPay^TM

Receive up to 7,500 bonus Scene+ points for the first three months (up to $75 in rewards).

• Earn Scene+ points at Home Hardware and redeem with any Scene+ rewards partner.
• Earn 1 Scene+ point for every $1 spent on your card for eligible business purchases at Home Hardware.
• Redeem your Scene+ points on what you want for your business – business travel, office improvements, entertainment, groceries, gift cards from 60+ brands, tech, and even account credits.
• Use at any retailer where Visa is accepted.
• Manage your cash flow with a 21-Day interest free grace period on new purchases.

Visa* SavingsEdge

One great program – two paths to savings on your everyday business purchases with Visa SavingsEdge:

• Everyday Savings Offers: automatically available after you enroll, requiring no coupons or codes and are applied as statement credits on enrolled Visa Business cardholder’s future account statements.
• Instant Savings Offers: savings applied to your cart using a promotion code prior to making a qualifying purchase on a participating merchant’s website.

It’s free to join. Visit Visa SavingsEdge to enroll your eligible business and learn more.

Save on car rentals

• As a Scotia Home Hardware PRO Visa Business cardholder, you can save up to 25% off base rates at participating AVIS locations Worldwide and at participating Budget locations in Canada and the U.S. when you pay with your Scotia Home Hardware PRO Visa Business card.

Save time at the checkout

• Tap your Scotia Home Hardware PRO Visa Business Card or your mobile wallet for quick easy payments.
• Visa payWave* – Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!
• Click to Pay – Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.
• Also, use your phone to make on-the-go payments with: Google Pay, Samsung Pay, Apple Pay.

Insurance Coverage

• Purchase Security Extended Warranty Protection
• Optional Scotia Business Loan Protection Insurance