Scotia Credit Card Offers

Updated on November 1, 2022

Scene+ / Travel Rewards Cards



Scotia Gold American Express Card


Annual Fee: $120 (First year free) Additional Cards: $29

Earn up to 45,000 bonus Scene+™ points in your first year (that’s up to $450 towards travel) and first year annual fee waived.1 Offer ends Apr 30, 2023

  • Bonus offer broken down as follows:
    - Earn 25,000 bonus Scene+ Rewards points by making at least $1,000 in everyday eligible purchases in your first 3 months.
    - Earn 20,000 bonus Scene+ Rewards points when you spend $7,500 within your first 12 months
  • You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies
  • You’ll earn 6X Scene+ points for each $1 CAD charged to your account on all eligible purchases1 at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
  • Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions
  • Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more
  • Earn 1X Scene+ point for every $1 spent on every other purchase
  • Complimentary Concierge Services 24/7
  • Amex exclusive benefits (Front Of The Line)
  • 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 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

    Apply Now



Scotiabank Passport Visa Infinite Card

Annual Fee: $150 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) and first year annual fee waived1. Offer ends Apr 30, 2023

  • Bonus offer broken down as follows:
    - Earn 30,000 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.
  • You’ll earn 3X Scene+ points for each dollar charged to your account on all eligible purchases1 at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés TradItIon, Rachelle Béry and Co-Op.
  • 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

    Apply Now



Scotia SCENE Visa Card


Earn up to 10,000 bonus Scene+™ points within your first year. Offer ends Apr 30, 2023

- Earn 5,000 bonus Scene+ points by making at least $750 in everyday eligible purchases in your first 3 months.
- Plus, for a limited time, you are eligible to earn a 5,000 Scene+ point bonus when you spend at least $5,000 in everyday eligible purchases in your first year.

  • Earn 2x Scene+ points for every $1 you spend on credit card purchases at Cineplex™ theatres or at cineplex.com
  • Earn 1 Scene+ point for every $1 you spend on your everyday credit card purchases
  • Redeem Scene+™* points for travel, shopping, entertainment, dining, banking, and more
  • You'll earn 2X Scene+ points for each dollar charged to your account on all eligible purchases1 at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà  by IGA, Voilà  by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

Apply Now



Scotiabank®* Platinum American Express® Card

Annual Fee $399 Additional Cards: $99

Earn up to $2,250* in value in your first 14 months, including up to 70,000* bonus Scene+ points. Offer ends Apr 30, 2023

  1. Earn 50,000 bonus Scene+ points by making at least $3,000 in everyday eligible purchases in your first 3 months.
  2. Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $10,000 in everyday eligible purchases in your first 14 months

• You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies
• Earn 2X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions
• Earn 2X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more
• Earn 2X Scene+ point for every $1 spent on every other purchase
• 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.

Apply Now



Scotiabank American Express Card


Annual Fee $0

Earn up to 12,000 bonus Scene+™ points in your first year (that’s up to $120 towards travel) Offer ends Apr 30, 2023

  1. Earn 7,000 bonus Scene+ points by making at least $750 in everyday eligible purchases in your first 3 months.
  2. Plus, for a limited time, you are eligible to earn a 5,000 Scene+ point bonus when you spend at least $5,000 in everyday eligible purchases in your first year.

• Earn 3X Scene+ points for each dollar charged to your account on all eligible purchases1 at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
• Earn 2X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions
• Earn 2X Scene+ points for every $1 CAD spent on eligible entertainment, including movies, theatres and ticket agencies
• Earn 2X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more
• Earn 2X Scene+ points for every $1 CAD spent on eligible select streaming services
• Earn 1X Scene+ point for every $1 spent on every other purchase

Apply Now



ScotiaGold Passport® VISA* card


Annual Fee $0

Earn 5,000 bonus  Scene+ points upon your first purchase.1
• 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

Apply Now



Cash Back Cards



Scotia Momentum® VISA* Infinite card


SPECIAL OFFER: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards. Offer ends April 30, 2023

• 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

Apply Now



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 a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).Offer ends Jan 3, 2023
• Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments.
• Earn 1% cash back on all other eligible purchases.

Apply Now


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 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that, annual fee $0) Offer ends 30 April 2023.
• Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments.
• Earn 0.5% cash back on all other eligible purchases.

Apply Now


Scotia Momentum® Mastercard


7.99% introductory interest rate on purchases for the first 6 months (20.99% after that;  annual fee $0).1
• 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 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% introductory interest rate on Cash Advances for the first 6 months (12.99% after that; annual fee $29).1 Plus no annual fee in the first year.1 Offer ends 30 April 2023
• Save up to hundreds of dollars a year on interest
• Low interest rate of 12.99%
• Pay down higher interest rate balances faster
• Transfer higher rate balances and save even more

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

Make money while you wait. Earn up to 4.50% interest on your MomentumPLUS Savings Accounts for 5 months
• Earn a $350* welcome bonus with the Scotiabank Ultimate Package!
• Unlimited debit transactions & Interac e-Transfer† transactions
• Up to $150 annual fee waiver each year on select credit cards2
• Unlimited no-fee Scotia International Money Transfers3
• Earn rewards on debit transactions with the Scene+ TM Program2

Apply Now


* To qualify, certain conditions must be met. Offer ends April 30, 2023. Visit here for full terms. The longer you save, the higher your interest rate. Plus, save for multiple goals in one account
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 here 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 MomentumPLUS Savings Account


• With the MomentumPLUS Savings Account, you can earn a savings rate of up to 4.50%* for 5 months
• All your savings goals, one high interest savings account. With the MomentumPLUS Savings Account, the longer you save, the higher your interest rate

Apply Now

*To qualify, certain conditions must be met.

† 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


Make money while you wait. Earn up to 4.45% interest on your MomentumPLUS Savings Accounts for 5 months
• Earn a $350* welcome bonus with the Scotiabank Preferred Package!
• Unlimited debit transactions2& Interac e-Transfer† transactions
• First year annual fee waiver (up to $150) on select credit cards2
• Send money globally for $1.993 with Scotia International Money Transfer
• Earn rewards on debit transactions with the Scene+ TM Program2

Apply Now

*To qualify, certain conditions must be met. Offer ends April 30, 2023. Visit here for full terms
• The longer you save, the higher your interest rate.
Plus, save for multiple goals in one account.
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 here 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 Basic Plus Account


• 25 free debit transactions1 per month
• 10 free Interac e-Transfer† transactions per month

Apply Now

* 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."



Scotia Student Banking Advantage® Plan


• Open a student account today and earn $75*
• Unlimited debit transactions2
• Unlimited Interac e-Transfer† transactions2
• Earn rewards on debit transactions3

Apply Now


* Conditions apply. Offer ends January 31, 2023. Visit https://www.scotiabank.com/ca/en/personal/bank-accounts/students/student-banking-advantage-plan.html for full terms.
2 Conditions apply. Visit https://www.scotiabank.com/ca/en/personal/bank-accounts/students/student-banking-advantage-plan.html to learn more.
3 Choose between the SCENE and Scotia Rewards reward programs.
†Interac e-Transfer is a registered trade-mark of Interac Corp. Used under license."