Best Scotiabank Credit Cards in Canada - October 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
• Get up to 12¢/L in value on fuel purchases at Shell with your card linked to a Shell Go+ Account (instant discounts and Scene+ points value; the maximum assumes a V-Power premium fuel purchase and includes a promotional 4¢/L discount available until June 1, 2027)

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
• Get up to 11¢/L in value on fuel purchases at Shell with your card linked to a Shell Go+ Account (instant discounts and Scene+ points value; the maximum assumes a V-Power premium fuel purchase and includes a promotional 4¢/L discount available until June 1, 2027)

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
• Get up to 10¢/L in value on fuel purchases at Shell with your card linked to a Shell Go+ Account (instant discounts and Scene+ points value; the maximum assumes a V-Power premium fuel purchase and includes a promotional 4¢/L discount available until June 1, 2027)

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

Earn up to 80,000 bonus Scene+ points within your first 14 months.

This is worth up to $800 for your travels.

Rewards your way, with Scene+

• Earn 3X Scene+ points for every $1 in eligible travel purchases. Plus, earn 3X points on hotel stays, car rentals, and activities when you book through Scene+ Travel, administered by Expedia.
• Earn 2X Scene+ points for every $1 in eligible purchases at dining and entertainment establishments
• Plus, earn 1X Scene+ points for every dollar spent on all other eligible purchases.

$250 Annual Travel Credit

If you’re the primary cardholder, each year you’ll get a $250 statement credit on your first travel booking with Scene+ Travel, Powered by Expedia. This applies to flights, hotels, car rentals, and travel packages anywhere in the world.

Say goodbye to FX fees

Say goodbye to foreign transaction fees with the Scotiabank Passport^® Visa Infinite Privilege* Card. Whether you’re shopping online or abroad, you’ll never pay a foreign transaction fee on foreign currency purchases.

Enjoy 10 complimentary airport lounge visits per year

With the Visa Airport Companion Program, you and each of your additional cardholders get access to over 1,200 airport lounges worldwide. This includes 10 free lounge visits per year. Plus, you get exclusive airport dining and retail offers.

Exclusive airport perks

Save time and money with priority security and taxi lanes, discounted valet parking, and dedicated parking.

Upgrade your next getaway at Relais & Château properties

As a Scotiabank Passport^® Visa Infinite Privilege* Cardholder, you are eligible for prestigious benefits at over 200 Relais & Château properties worldwide.

Explore the Visa Infinite Luxury Hotel Collection

Enjoy 7 special benefits at over 900 hotels and an 8th exciting benefit at over 200 participating hotels, hand-selected for Scotiabank Passport^® Visa Infinite Privilege* Cardholders.

Feel at home, anywhere you go

Get exclusive benefits at over 60 Sandman, Sandman Signature, and Sutton Place Hotels across Canada with Visa RSVP Rewards.

Become an Avis^® President’s Club member

Spend less time in line and more time on the road with a complimentary yearly Avis President’s Club membership. This includes two car-class upgrades and the option to skip the line and go straight to your car at most Avis^® locations.

Fuel up and save at Shell

Get up to 10¢/L in value on fuel purchases at Shell with your card linked to a Shell Go+ Account (instant discounts and Scene+ points value; the maximum assumes a V-Power premium fuel purchase and includes a promotional 4¢/L discount available until June 1, 2027).

Comprehensive Travel Insurance coverage

• Travel Emergency Medical Insurance
• Trip Cancellation and Trip Interruption Insurance
• Flight Delay Insurance
• Lost Baggage and Delayed Baggage Insurance
• Rental Car Collision Loss/Damage Insurance
• Hotel Burglary Insurance
• Common Carrier Travel Accident Insurance
• Mobile Device Insurance
• Purchase Security Extended Warranty Protection

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.
• Get up to 7¢/L in value on fuel purchases at Shell with your card linked to a Shell Go+ Account (instant discount, cash back and Scene+ points value; the maximum assumes a premium fuel purchase with your Scene+ account also linked to Shell Go+)

Rates, fees and other information are effective as of July 2, 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^®
• Get up to 11¢/L in value on fuel purchases at Shell with your card linked to a Shell Go+ Account (instant discounts and Scene+ points value; the maximum assumes a V-Power premium fuel purchase and includes a promotional 4¢/L discount available until June 1, 2027)

Offer available for accounts opened between May 1, 2026 and November 1, 2026. Rates, fees and other information are subject to change.

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.
• Get up to 10¢/L in value on fuel purchases at Shell with your card linked to a Shell Go+ Account (instant discounts and Scene+ points value; the maximum assumes a V-Power premium fuel purchase and includes a promotional 4¢/L discount available until June 1, 2027)

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, minimum $5; thereafter: 22.99% on cash advances, including balance transfers; $49 annual fee)^¹.

• Get 2% cash back on groceries, food delivery and food subscription services, and drugstore purchases^¹
• Get 2% cash back on gas, electric vehicle charging, and daily transit like buses, taxis, and rideshares^¹
• Get 2% cash back on eligible recurring bill payments like utilities and gym memberships^¹
• Get 2% cash back on eligible recurring subscription services like music and video streaming^¹
• Get 1% cash back on all other eligible purchases^¹
• Redeem your cash back at any time through the Scotia mobile app or online banking, as long as you have over $25 in cash back^¹.
• Get up to 7¢/L in value on fuel purchases at Shell with your card linked to a Shell Go+ Account (instant discount, cash back and Scene+ points value; the maximum assumes a premium fuel purchase with your Scene+ account also linked to Shell Go+)

Offer available for accounts opened between July 2, 2026 and January 3, 2027. Rates, fees, offers and other information are subject to change.

5% cash back on all purchases (up to $2,000 in total purchases) for the first three months¹. 0.99% introductory rate on balance transfers for the first nine months (2% fee per cash advance; thereafter: 22.99%; no annual fee)¹.

• New 1% cash back category: you will earn 1% on all eligible purchases of transit, rideshare and 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.
• Get up to 6¢/L in value on fuel purchases at Shell with your card linked to a Shell Go+ Account (instant discount, cash back and Scene+ points value; the maximum assumes a premium fuel purchase with your Scene+ account also linked to Shell Go+)

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

Enjoy a 0% promotional interest rate on balance transfers for the first nine months, with a 1% transfer fee. Plus, pay no annual fee for the first year¹.

• Save hundreds of dollars in interest each year
• Low interest rate of 13.99%
• Pay down balances faster
• Simplify your monthly payments
• Get up to 5¢/L in value on fuel purchases at Shell with your card linked to a Shell Go+ Account (instant discount and Scene+ points value; the maximum assumes a premium fuel purchase)

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