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Scotiabank is Canada’s third-largest bank and offers a good number of credit cards from the three main players – Visa, Mastercard, and American Express. Whether you are looking for the best cash back credit cards, travel rewards cards, no-annual-fee cards, or business credit cards, you can find a Scotiabank credit card that suits your needs.

Read on to see what I have on my list of the best Scotiabank credit cards in Canada.

1. Scotiabank Gold American Express 

The Scotiabank Gold Amex has earned its place among the best travel rewards cards in the country. It offers the following:

  • 15,000 bonus Scotia Rewards points ($150 value) when you spend $1,000 in the first 3 months
  • Earn 4 Scotia Rewards points on every $1 you spend on groceries, gas, dining, and entertainment
  • Earn 1 point per $1 on all other purchases
  • 35% discount on Priority Pass membership with VIP lounge access
  • Enjoy comprehensive travel insurance with 7 different coverage’s including travel medical emergency, trip cancellation/trip interruption, flight delay, travel accident, rental car collision loss/damage, hotel/burglary, delayed and lost baggage insurance
  • Purchase security, price protection, and extended warranty
  • Complimentary concierge services

The Scotiabank Gold AMEX has a $99 annual price tag. Its bonus offer, 4% rewards rate on groceries, gas, entertainment, and dining, and comprehensive travel insurance easily cover its cost.

If you prefer a travel rewards card with no annual fees, check out the Scotiabank American Express card.

Apply for the Scotiabank Gold American Express card.

2. Scotia Momentum Visa Infinite Card

The Scotia Momentum Visa Infinite is one of the best cash back credit cards and is great for saving on grocery and gas purchases. 

  • Earn 10% cash back (bonus offer) on all purchases in your first 3 months on up to $2,000 in total purchases. Earn 4% after the promo period ends.
  • $0 annual fee in year one and $99 in subsequent years
  • Earn 2% cash back on pharmacy purchases and recurring bill payments
  • Earn 1% cash back on all other purchases
  • Comprehensive travel insurance consisting of travel emergency medical, trip interruption, flight delay, rental car collision loss/damage, travel accident, delayed and lost baggage insurance
  • Up to 25% discount at participating AVIS and Budget locations in Canada and the U.S.
  • Purchase security and extended warranty
  • Visa Infinite concierge service

The welcome bonus offer alone is worth up to $299 on the Scotia Momentum Visa Infinite card when you add up the waived $99 annual fee to the 10% cash back offer on your first $2,000 spending. Add in the regular 2-4% rewards earning rate, and you have yourself a winner!

I like that this card offers ‘real’ cash back that you can spend as you wish. For no-fee cash back card options, you can check out the Scotia Momentum No-Fee Visa (0.50 – 1% cash back) or Tangerine Money-Back Credit Card (up to 2%).

Apply for the Scotia Momentum Visa Infinite here.

The Best Scotiabank Credit Cards in Canada

3. Scotiabank Passport Visa Infinite

The Scotiabank Passport Visa Infinite has two main highlights: it is an excellent travel rewards card and one of only a few credit cards in Canada with no foreign transaction fees.

  • Get 30,000 bonus Scotia Rewards points ($300 value) after spending $1,000 in the first three months
  • No foreign transaction fees
  • Earn 2 points on every $1 you spend on grocery, dining, transit, and entertainment purchases
  • Earn 1 point per $1 spent on all other purchases
  • Priority Pass membership and complimentary airport lounge access with 6 free visits per year
  • Comprehensive travel insurance with coverage for travel emergency medical, trip cancellation/trip interruption, flight delay, travel accident, rental car collision loss/damage, hotel/motel burglary, delayed and lost baggage insurance
  • Purchase security, price protection, and extended warranty

The Scotiabank Passport Visa infinite card offers up to $400 in bonus rewards – 30,000 points when you spend your first $1,000 and an additional 10,000 points if your annual spending is up to $40,000. 

Add in the zero-FX markups, the approximately $262 benefit in Priority Pass membership/lounge access, plus the wide variety of insurance coverages, and this card stands out even with its $139 annual fee.

Apply for the Scotiabank Passport Visa Infinite card.

4. Scotiabank SCENE Visa Card

The SCENE Visa card is one of the best credit cards for individuals or students who are just starting to build a credit score. It is also a great card if you want to earn points for free movie tickets at Cineplex theatres.

  • Earn 2,500 bonus SCENE points (2 free movies) when you spend $500 in the first 3 months
  • Earn 1 SCENE point per $1 spent
  • Earn 5 SCENE points per $1 spent at Cineplex
  • Get up to 25% discount at AVIS and Budget locations in Canada and the U.S.
  • $0 annual fee

The Scotia SCENE Visa card is a decent startup card when you want to build a credit score as you do not need a credit history to qualify for it. Redeem your rewards points at 1,250 points for a general admission ticket or get $10 off per 1,000 points at participating restaurants.

Apply for the Scotiabank SCENE Visa card here.

5. Scotiabank GM Visa Card

If you already own a GM car or plan to own one, the Scotiabank GM Visa‘s rewards offers are noteworthy at up to 5%.

  • $0 annual fee
  • Earn 5% in GM Earnings on your first $5,000 annual spending
  • Earn 2% in rewards on all purchases after $5,000 with no caps
  • Purchase protection and extended warranty
  • 20% discount on car rentals at AVIS/Budget locations in Canada and the U.S.

This card is not your run-of-the-mill credit card. if you are looking to buy or replace your Chevrolet, Buick, GMC, or Cadillac vehicle, it is easier to achieve with $1 in GM Earnings (points) being equivalent to $1 off the purchase price or lease of a new GM vehicle.

Scotiabank also has a premium version of this card, Scotiabank GM Visa Infinite Card, that has a $79 annual fee (waived in year 1) and comes with comprehensive travel insurance and 5% earnings on up to $10,000.

Apply for the Scotiabank GM Visa Card.

6. Scotiabank Value Visa

This card is Scotiabank’s low-interest card that works well for consolidating credit card debt at a lower rate.

  • 0.99% interest rate on cash advances and balance transfers (first 6 months) and 12.99% after
  • $29 annual fee

Compared to the going rate of up to 29.99% on cash advances and 19.99% on your credit card balance, the promotional 0.99% offered by the Scotiabank Value Visa for 6 months can save you a lot in interest fees.

To make the most use of the card, plan to pay off your balance within the 6 months promo period.

Scotiabank also has a no-fee option of this card, the No-Fee Scotiabank Value Visa card which offers a 3.99% promotional rate on balance transfers for 6 months.

7. Scotia Momentum Mastercard

The Scotia Momentum Mastercard is a no-annual-fee card that offers a 7.99% promotional rate for 6 months and gives you access to more merchants worldwide who accept Mastercard, including Costco.

This card also offers:

  • 1% cash back on gas, grocery and pharmacy purchases, plus on recurring bill payments
  • 0.50% cash back on all other purchases
  • $0 annual fee

It is worth noting that the Scotia Momentum Mastercard has no insurance coverage. In addition, its cash back offers are not the best in the no-fee category. Better options include: