Credit Card Coach

Filter : Scotiabank


-
Scotia Momentum® VISA* Infinite card
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1

No annual fee in the first year, including on supplementary cards.1

Get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (20.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $120)1


• The cash back card with the most awards in 2021.◊

• Comprehensive Travel Insurance and New Mobile Device Insurance.⁷

• No annual fee in the first year, including on supplementary cards.¹

• Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.²

• Earn 2% for every $1 you spend on gas purchases and daily transit purchases.⁴

• Earn 1% cash back on all other purchases with no cash back limit.⁵

1 Offer Description and Conditions: The 10% Cash Back, First Year Annual Fee Waiver and Introductory 2.99% Rate Offer (the “Offer”) applies only to new Scotia Momentum Visa Infinite credit card accounts (“Accounts”) that are opened, and any supplementary Account cards issued, by July 01, 2022 subject to the conditions below. We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

10% Cash Back Offer Description and Conditions: You will earn 10% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Cash Back Program Rate”) described in the Scotia Momentum Visa Infinite Cash Back Program Terms and Conditions (the “Program Terms”). The 10% cash back rate for any category is made up of the sum of: (i) the regular Cash Back Program Rate (variable by categories as set out under the Program Terms); and (ii) a “Cash Back Bonus Rate”.

Cash back earned under this Offer will be credited to your Account in 2 instalments so long as your Account is open and in good standing at time of payout of each:

1. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within 7 months from the Account open date; and

2. Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program Terms. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.

EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 4% then the Cash Back Bonus Rate will be 6% for that category so that you will earn a total of 10% on the amount of all eligible everyday purchases in that category during the Promotional Period. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be credited to your Account as follows:

(1) the Cash Back Bonus earnings of $120 (6% x $2,000) (which will not be tracked on your monthly statements), will be credited to your Account within 7 months from the Account open date, and (2) the Regular Cash Back earnings of $80 (4% x $2,000) (which will be tracked on your monthly statements), will be credited to your Account as per the regular cash back payment schedule (i.e., November).

Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only.

Introductory 2.99% Offer Description and Conditions: The Introductory 2.99% Rate Offer (the “Rate Offer”) applies only to purchases, cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies when the new Account is opened by July 01, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). After the Promotional Period, purchase balances at the promotional rate of 2.99% (including any unpaid balances) will increase to the preferred interest rate for purchases (currently 20.99%) and the promotional 2.99% interest rate on any Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional Rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 25.99% on purchases and 27.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions)). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include interest, fees or other charges. This Rate Offer is subject to any available limit for Cash Advances on your Account. This Rate Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account. There is no balance transfer fee on balances transferred during the Promotional Period.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

Rates and Fees: The current annual fee is $120 for the primary card and $50 for each additional supplementary card. The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.

Initial Rewards: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1
On Going Rewards 1st: 4% for every $1 you spend on grocery store purchases, recurring bill payments.
On Going Rewards 2nd: 2% for every $1 you spend on gas purchases and daily transit purchases.
GCR Rebate: 125
GCR Rebate
$125
Initial Rewards
Earn 10% cash back on all purchases for the first 3 months
Credit Needed
Excellent
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
-
Scotiabank®* Gold American Express® Card
Earn up to 40,000 bonus Scene+ points in your first year (that’s up to $400 towards travel).1 Plus, no annual fee in the first year, including on supplementary cards1 and get a 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $120) (1% balance transfer fee).1

• Earn up to 40,000 bonus Scene+ points in your first year (that’s up to $400 towards travel).¹

• Plus, no annual fee in the first year, including on supplementary cards¹ and get a 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $120) (1% balance transfer fee).¹

• The only major bank that saves you 2.5% on foreign transaction fees.⁹

• 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.⁸

• Earn 5 Scene+TM points 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 3X Scene+ points for every $1 CAD spent on eligible select streaming services.

• Earn 1 point for every $1 you spend on all other eligible everyday purchases

• Save 2.5% while cross-border shopping online.⁸ Travel, Rewards, Sign-Up Bonus (when applicable)

1 Offer Description and Conditions: The 30,000 Bonus Scene+ points Offer (the “Offer”) applies only to new Scotiabank Platinum American Express credit card accounts (“Account”) opened by June 29, 2022 subject to the conditions below. To be eligible for the Offer, an eligible purchase must be posted to the Account within 2 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The bonus points will be credited within approximately 2-3 business days after the first eligible purchase is posted to your Account, provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Rates and Fees: The current annual fee is $399 for the primary card and $99 for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.

1 The 40,000 Bonus Scene+ points First Year Annual Fee Waiver and Introductory 0.00% Balance Transfer Rate Offer (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened by June 29, 2022 and is subject to the below terms and conditions. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.

40,000 Bonus Scene+ Point Offer Description and Conditions: To be eligible for 20,000 bonus Scene+ points (the “20,000 Point Bonus”), you must open a new Account by January 1, 2022 and have at least $1,000 in eligible purchases posted to your new Account in the first 3 months. To be eligible for an additional 20,000 bonus Scene+ points (the “Extra 20,000 Point Bonus”), you must have at least $7,500 in eligible purchases posted to your new Account in your first year (12 months) from the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges.

The 20,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months from the Account open date, provided the Account is open and in good standing. The Extra 20,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after you have met the $7,500 annual spend threshold on the Account, provided your Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.

First Year Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only.

Introductory 0.00% Balance Transfer Rate Offer Conditions: The introductory 0.00% interest rate on balance transfers (the “Rate Offer”) applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies when the new Account is opened by January 1, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). This Rate Offer is subject to any available limit for Cash Advances (the “Cash Advance Available Limit”) on your Account. This Rate Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account. After the Promotional Period, the 0.00% interest rate on any promotional Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). A Balance Transfer fee of 1% of the amount of each Balance Transfer transferred during the Promotional Period applies. If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances).

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

Rates and Fees: The current annual fee is $120 for the primary card and $29 for each additional supplementary card.

The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.

To qualify for these offers make sure to open a new Scotiabank Gold American Express credit card account by June 29, 2022.

To qualify for the 40,000 bonus Scene+ points offer:

2. Earn 20,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months from account opening.

3. Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year.

Once you qualify, we’ll credit your account in 2 instalments: 1. 20,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days following the qualifying $1,000 in net purchases being posted to your Account in your first 3 months.

2. An additional 20,000 bonus Scene+ points will be credited within approximately 2-3 business days after you have met the $7,500 annual spend threshold in your first year. Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for this offer.

See terms and conditions below for full details.

All rates, fees, features and benefits are subject to change.


*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Initial Rewards: Earn up to 40,000 bonus Scene+ points in your first year (that’s up to $400 towards travel)
On Going Rewards 1st: Earn 5X Scene+ points forevery $1 you spend at eligible grocery stores, dining and entertainment
On Going Rewards 2nd: Earn 3X Scene+ points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
GCR Rebate: 125
GCR Rebate
$125
Initial Rewards
Up to 40,000 bonus Scene+ points
Credit Needed
Good
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
-
Scotiabank SCENE® VISA* card
• Earn Scene+TM* points on everyday purchases.¹

• Earn 5,000 bonus Scene+™ points with your first $750 in everyday purchases in the first 3 months.²

• Earn 5 Scene+ points for every $1 you spend on credit card purchases at Cineplex™ theatres or at cineplex.com.⁴

• Earn 1 Scene+ point for every $1 you spend on your everyday credit card purchases.⁴

• Redeem for a FREE movie with just 1,250 points.

• Get $5 off at participating restaurants when you redeem just 500 points.⁶

• A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.¹,³

1 SCENE Visa cardholders will earn points for purchases made with their SCENE Visa card (“Card”). A Card must be connected to a Scene+ membership account to earn points on purchases made on the Card. Points are not awarded for cash advances, balance transfers, Scotia Credit Card Cheques, returns, refunds or other similar credits, payments fees, interest, service or transaction charges on the Card. Some conditions and limitations apply. Visit www.scotiabank.com/scenevisa for complete details.

2 Offer Description and Conditions: The 5,000 Bonus Scene+ points Offer (the “Offer”) applies only to new SCENE Visa credit card accounts (excluding SCENE Student Visa cards) (“Account”) opened by July 01, 2022 subject to the conditions below. To be eligible for the Offer, at least $750 in eligible purchases must be posted to the Account within the first 3 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The bonus points will be credited within 2-3 business days of the completion of the $750 net purchases provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Only one welcome bonus is awarded per Account. In cases where both the primary and supplementary cardholders are Scene+ members, the bonus points will be credited to the Scene+ membership account that has been connected to the Account. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.



*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Initial Rewards: Earn 5,000 bonus Scene+ points with your first $750 in everyday purchases in first 3 months◊
On Going Rewards 1st: Earn 1 Scene+ point for every $1 you spend on your everyday credit card purchases
On Going Rewards 2nd: Earn 5 Scene+ points for every $1 you spend on credit card purchases at Cineplex™ theatres or at cineplex.com
GCR Rebate: 60
GCR Rebate
$60
Initial Rewards
5,000 bonus Scene+ points
Credit Needed
Good
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
-
Scotia Momentum® No-Fee VISA card
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)1

• Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).² Plus, get a 1.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).²

• Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments.¹

• Earn 0.5% cash back on all other eligible purchases.¹

1 Offer Description and Conditions:> The 5% Cash Back and Introductory 2.99% Interest Rate Offer (the “Offer”) applies only to new Scotia Momentum No-Fee Visa credit card accounts (“Accounts”) that are opened by July 01, 2022 and is subject to the below terms and conditions. All other terms and conditions of the Program Terms continue to apply. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

5% Cash Back Offer Conditions: You will earn 5% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Cash Back Program Rate”) described in the Scotia Momentum No-Fee Visa Cash Back Program Terms and Conditions (the “Program Terms”). The 5% cash back rate for any category is made up of the sum of: (i) the regular Cash Back Program Rate (variable by categories as set out under the Program Terms); and (ii) a “Cash Back Bonus Rate”.

Cash back earned under this Offer will be credited to your Account in 2 instalments so long as your Account is open and in good standing at time of payout of each:

1. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within 7 months from the Account open date; and

2. Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program Terms. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 1% then the Cash Back Bonus Rate will be 4% for that category so that you will earn a total of 5% on the amount of all eligible everyday purchases in that category during the Promotional Period. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be credited to your Account as follows:

(1) the Cash Back Bonus earnings of $80 (4% x $2,000) (which will not be tracked on your monthly statements), will be credited to your Account within 7 months from the Account open date, and (2) the Regular Cash Back earnings of $20 (1% x $2,000) (which will be tracked on your monthly statements), will be credited to your Account as per the regular cash back payment schedule (i.e., November).

Introductory 2.99% Interest Rate Offer Description and Conditions: The Introductory 2.99% Rate Offer (the “Rate Offer”) applies only to purchases, cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies when the new Account is opened by July 01, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). After the Promotional Period, purchase balances at the promotional rate of 2.99% (including any unpaid balances) will increase to the preferred interest rate for purchases (currently 19.99%) and the promotional 2.99% interest rate on any Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional Rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 25.99% on purchases and 27.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions)). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include interest, fees or other charges. This Rate Offer is subject to any available limit for Cash Advances on your Account. This Rate Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account. There is no balance transfer fee on balances transferred during the Promotional Period.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on Cash Advances. All rates, fees, features and benefits are subject to change.



*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Initial Rewards: Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases)
On Going Rewards 1st: Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments.¹
On Going Rewards 2nd: Earn 0.5% cash back on all other eligible purchases.¹
GCR Rebate: 55
GCR Rebate
$55
Initial Rewards
Earn 5% cash back on all purchases
Credit Needed
Good
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
-
Scotiabank Value® VISA* card
• 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)¹

• Save up to hundreds of dollars in interest a year

• Low 12.99% interest rate

• Convenient with Visa payWave*simply wave your card and go!²

• Pay down higher interest rates balances faster

• Transfer higher rate balances and save even more

Terms and conditions apply. Visit the application page for full details.

Offer Description and Conditions: The Introductory 0.99% Balance Transfer Rate Offer (the “Offer”) applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below . This introductory rate applies when the new Scotiabank Value Visa credit card account (“Account”) is opened by July 01, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). This Offer is subject to any available limit for Cash Advances (the “Cash Advance Available Limit”) on your Account. This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank account. After the Promotional Period, the 0.99% interest rate on any promotional Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 12.99%). There is no balance transfer fee on balances transferred during the Promotional Period. If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances). Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Offer may be changed, cancelled or extended and cannot be combined with any other offers.

Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

Rates and Fees: The current annual fee is $29 for the primary card and $0 for each additional supplementary card.
The current preferred annual interest rates for the Account are: 12.99% on purchases and 12.99% on Cash Advances. All rates, fees, features and benefits are subject to change.


*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Initial Rewards: 0.99% introductory interest rate on balance transfers for the first 6 months*
On Going Rewards 1st: Save hundreds of dollars in interest a year
On Going Rewards 2nd: Low 12.99% interest rate
GCR Rebate: 100
GCR Rebate
$100
Initial Rewards
0.99% for balance transfers
Credit Needed
Good
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
-
Scotiabank Passport™ Visa Infinite* Card
Earn up to 35,000 bonus Scene+ points in your first year (that’s up to $350 towards travel).1

(19.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $139)

• Earn up to 35,000 bonus Scene+TM* points in your first year (that’s up to $350 towards travel )

To qualify for these offers, make sure to open a new Scotiabank Passport Visa Infinite credit card account by July 4, 2022.

To qualify for the 35,000 bonus Scene+ points:

• Earn 25,000 bonus Scene+ 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+ point bonus when you spend at least $40,000 in everyday net eligible purchases annually.

• Once you qualify, we’ll credit your account in 2 instalments:

• 25,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days following the qualifying $1,000 in net purchases being posted to your Account in your first 3 months.

• Annual 10,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days after you have met the $40,000 annual spend threshold.

• Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the 35,000 bonus points offer. All cardholders remain eligible to earn an annual 10,000 Scene+ point bonus with an annual spend of at least $40,000.

See terms and conditions below for full details.

1 The 25,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite credit card accounts (“Accounts”) that are opened by July 4, 2022 and is subject to the below terms and conditions. All other terms and conditions of the Program Terms continue to apply. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Plus, as a Scotiabank Passport Visa Infinite credit cardholder you are always eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply - see below for further details.

Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

25,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 25,000 bonus Scene+ points (the “Bonus Offer”), you must have at least $1,000 in eligible purchases posted to your new Account within the first 3 months. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The 25,000 Bonus Offer points will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days following the qualifying $1,000 in eligible purchases being posted to your Account within 3 months from the Account open date, provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Bonus Offer applies to new Accounts only opened by July 4, 2022.

10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges.

The Annual bonus Scene+ points will be credited within approximately 2-3 business days after you have met the $40,000 annual spend threshold on the Account and within approximately 2-3 business days after you have met each additional $10,000 annual spend threshold on the Account, provided your Account is open and in good standing (as defined above).

Rates and Fees: The current annual fee is $139 for the primary card, $0 for one additional supplementary card and $50 for each additional supplementary card thereafter. The current preferred annual interest rates for this Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.

To qualify for these offers, make sure to open a new Scotiabank Passport Visa Infinite credit card account by July 4, 2022.

To qualify for the 35,000 bonus Scene+ points:

1. Earn 25,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months.

2. Plus, as a Scotiabank Passport Visa Infinite cardholder, you are eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday net eligible purchases annually.

Once you qualify, we’ll credit your account in 2 instalments:

1. 25,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days following the qualifying $1,000 in net purchases being posted to your Account in your first 3 months.

2. Annual 10,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days after you have met the $40,000 annual spend threshold.

Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the 35,000 bonus points offer. All cardholders remain eligible to earn an annual 10,000 Scene+ point bonus with an annual spend of at least $40,000. See terms and conditions below for full details.


*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Initial Rewards: Earn up to 30,000 bonus Scene+ points in your first year (that’s up to $300 towards travel )‡
On Going Rewards 1st: Earn 20,000 bonus Scene+ points when you spend $1,000 in everyday eligible purchases in the first 3 months.
On Going Rewards 2nd: Earn 10,000 bonus Scene+ points when you spend at least $40,000 in everyday eligible purchases annually.
GCR Rebate: 125
GCR Rebate
$125
Initial Rewards
Up to 30,000 bonus Scene+ points
Credit Needed
Excellent
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
-
Scotiabank®* Platinum American Express® card
• Earn up to $2,100* in value in your first 14 months, including up to 60,000* bonus Scene+ points.

• 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

• No foreign transaction fees : 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 applies7.

• Mobile device insurance : Protect new devices purchased using your card if they get lost, stolen, accidentally damaged, or have a mechanical failure12.

• Airport lounge access : Enjoy 10 complimentary airport lounge passes per year6.

• Annual Fee : $399

Effective July 1, 2022, Earn Rates for Scene+ Points will be changing under the Additional Terms and Conditions for Scotiabank American Express Cardmembers. Visit scotiabank.com/amexchanges for details.

Offer Description and Conditions:

To qualify for this Offer make sure to open a new Scotiabank Platinum American Express credit card account by October 31, 2022.

To qualify for the 60,000 bonus Scene+ points:

Earn 50,000 bonus Scene+ points by making at least $3,000 in everyday eligible purchases in your first 3 months.

Plus, for a limited time, you are eligible to earn a 10,000 Scene+ point bonus when you spend at least $10,000 in everyday eligible purchases in your first 14 months.

Once you qualify, we’ll credit your account in 2 instalments:

50,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days following the qualifying $3,000 in net purchases being posted to your Account in your first 3 months.

An additional 10,000 bonus Scene+ points will be credited within approximately 2-3 business days after you have met the $10,000 spend threshold in your first 14 months.

Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for this offer.

Offer may be changed, cancelled or extended and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Rates and Fees: The current annual fee is $399 for the primary card and $99 for each additional supplementary card.
The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.


*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Initial Rewards: Earn up to $2,100* in value in your first 14 months, including up to 60,000* bonus Scene+ points.
On Going Rewards 1st: Earn 2X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments
On Going Rewards 2nd: Earn 2X Scene+ points for every $1 CAD spent on eligible gas and daily transit.
GCR Rebate: 150
GCR Rebate
$150
Initial Rewards
60,000 bonus Scene+ points
Credit Needed
Excellent
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
-
Scotia Momentum® VISA* card
Get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (19.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $39)1

• Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments.¹

• 1% cash back on all other eligible everyday purchases

* Visit the application page for further details


1 Offer Description and Conditions: The Introductory 2.99% Interest Rate Offer (the “Offer”) applies only to eligible purchases and cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies when the new Account is opened by July 01, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). After the Promotional Period, purchase balances at the promotional rate of 2.99% (including any unpaid balances) will increase to the preferred interest rate for purchases (currently 19.99%) and the promotional 2.99% interest rate on any Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional ate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 25.99% on purchases and 27.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions)). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include interest, fees or other charges. This Offer is subject to any available limit for Cash Advances on your Account. This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account. There is no balance transfer fee on balances transferred during the Promotional Period.

Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

Rates and Fees: The current annual fee is $39 for the primary card and $15 for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on Cash Advances. All rates, fees, features and benefits are subject to change.



*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

One card that is becoming quite popular throughout Canada is the Scotia Momentum VISA card. The Momentum VISA card was created with the thought that some people might prefer getting cash back instead of receiving rewards or points for using it. Like having an extra savings account, the money that you save accrues on your monthly credit card statements for one year. At the end of that 12 month period, the money will either be deposited into your Scotiabank bank account, or it will show up as a credit on your VISA statement.

There are three main categories of businesses that will provide you with 2% cash back on your purchases: grocery stores, service stations, and drug stores. Almost every grocery store chain in Canada participate. It is a similar situation with service stations and drugstores. If you are unsure if your retailer is a participant, you can visit the Scotiabank website and download a comprehensive list.

If you want to, you can arrange to make recurring payments with your Visa card through participating retailers. This means that you should be able to pay your cable, gas, phone, and other utility bills using your card and more importantly, your code. Because of that, you will be able to receive 2% credited back to you on most of your monthly purchases.

By using a Scotia Momentum VISA card, you automatically qualify for a 20% discount on any car rental through Avis. You do not have to rent from Avis in Canada for this discount to be applicable. You can also take advantage of some technology that Scotia built into the Momentum VISA card called payWave. PayWave allows you to visit any participating merchant and wave your VISA card in the air near the cash register to pay your bill. It is designed to make it much easier and more secure for you to walk into a service station or restaurant and pay.

Initial Rewards: 2.99% introductory interest rate on balance transfers for the first 6 months*
On Going Rewards 1st: 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
On Going Rewards 2nd: 1% cash back on all other eligible everyday purchases
GCR Rebate: 100
GCR Rebate
$100
Initial Rewards
2.99% rate on balance transfers
Credit Needed
Good
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
    GCR Rebate   Initial Rewards   Credit Needed  
 
Scotia Momentum® VISA* Infinite card
  $125   Earn 10% cash back on all purchases for the first 3 months   Excellent  
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1

No annual fee in the first year, including on supplementary cards.1

Get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (20.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $120)1


• The cash back card with the most awards in 2021.◊

• Comprehensive Travel Insurance and New Mobile Device Insurance.⁷

• No annual fee in the first year, including on supplementary cards.¹

• Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.²

• Earn 2% for every $1 you spend on gas purchases and daily transit purchases.⁴

• Earn 1% cash back on all other purchases with no cash back limit.⁵

1 Offer Description and Conditions: The 10% Cash Back, First Year Annual Fee Waiver and Introductory 2.99% Rate Offer (the “Offer”) applies only to new Scotia Momentum Visa Infinite credit card accounts (“Accounts”) that are opened, and any supplementary Account cards issued, by July 01, 2022 subject to the conditions below. We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

10% Cash Back Offer Description and Conditions: You will earn 10% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Cash Back Program Rate”) described in the Scotia Momentum Visa Infinite Cash Back Program Terms and Conditions (the “Program Terms”). The 10% cash back rate for any category is made up of the sum of: (i) the regular Cash Back Program Rate (variable by categories as set out under the Program Terms); and (ii) a “Cash Back Bonus Rate”.

Cash back earned under this Offer will be credited to your Account in 2 instalments so long as your Account is open and in good standing at time of payout of each:

1. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within 7 months from the Account open date; and

2. Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program Terms. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.

EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 4% then the Cash Back Bonus Rate will be 6% for that category so that you will earn a total of 10% on the amount of all eligible everyday purchases in that category during the Promotional Period. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be credited to your Account as follows:

(1) the Cash Back Bonus earnings of $120 (6% x $2,000) (which will not be tracked on your monthly statements), will be credited to your Account within 7 months from the Account open date, and (2) the Regular Cash Back earnings of $80 (4% x $2,000) (which will be tracked on your monthly statements), will be credited to your Account as per the regular cash back payment schedule (i.e., November).

Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only.

Introductory 2.99% Offer Description and Conditions: The Introductory 2.99% Rate Offer (the “Rate Offer”) applies only to purchases, cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies when the new Account is opened by July 01, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). After the Promotional Period, purchase balances at the promotional rate of 2.99% (including any unpaid balances) will increase to the preferred interest rate for purchases (currently 20.99%) and the promotional 2.99% interest rate on any Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional Rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 25.99% on purchases and 27.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions)). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include interest, fees or other charges. This Rate Offer is subject to any available limit for Cash Advances on your Account. This Rate Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account. There is no balance transfer fee on balances transferred during the Promotional Period.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

Rates and Fees: The current annual fee is $120 for the primary card and $50 for each additional supplementary card. The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.


• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
 
Scotiabank®* Gold American Express® Card
  $125   Up to 40,000 bonus Scene+ points   Good  
Earn up to 40,000 bonus Scene+ points in your first year (that’s up to $400 towards travel)
Earn up to 40,000 bonus Scene+ points in your first year (that’s up to $400 towards travel).1 Plus, no annual fee in the first year, including on supplementary cards1 and get a 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $120) (1% balance transfer fee).1

• Earn up to 40,000 bonus Scene+ points in your first year (that’s up to $400 towards travel).¹

• Plus, no annual fee in the first year, including on supplementary cards¹ and get a 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $120) (1% balance transfer fee).¹

• The only major bank that saves you 2.5% on foreign transaction fees.⁹

• 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.⁸

• Earn 5 Scene+TM points 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 3X Scene+ points for every $1 CAD spent on eligible select streaming services.

• Earn 1 point for every $1 you spend on all other eligible everyday purchases

• Save 2.5% while cross-border shopping online.⁸ Travel, Rewards, Sign-Up Bonus (when applicable)

1 Offer Description and Conditions: The 30,000 Bonus Scene+ points Offer (the “Offer”) applies only to new Scotiabank Platinum American Express credit card accounts (“Account”) opened by June 29, 2022 subject to the conditions below. To be eligible for the Offer, an eligible purchase must be posted to the Account within 2 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The bonus points will be credited within approximately 2-3 business days after the first eligible purchase is posted to your Account, provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Rates and Fees: The current annual fee is $399 for the primary card and $99 for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.

1 The 40,000 Bonus Scene+ points First Year Annual Fee Waiver and Introductory 0.00% Balance Transfer Rate Offer (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened by June 29, 2022 and is subject to the below terms and conditions. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.

40,000 Bonus Scene+ Point Offer Description and Conditions: To be eligible for 20,000 bonus Scene+ points (the “20,000 Point Bonus”), you must open a new Account by January 1, 2022 and have at least $1,000 in eligible purchases posted to your new Account in the first 3 months. To be eligible for an additional 20,000 bonus Scene+ points (the “Extra 20,000 Point Bonus”), you must have at least $7,500 in eligible purchases posted to your new Account in your first year (12 months) from the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges.

The 20,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months from the Account open date, provided the Account is open and in good standing. The Extra 20,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after you have met the $7,500 annual spend threshold on the Account, provided your Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.

First Year Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only.

Introductory 0.00% Balance Transfer Rate Offer Conditions: The introductory 0.00% interest rate on balance transfers (the “Rate Offer”) applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies when the new Account is opened by January 1, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). This Rate Offer is subject to any available limit for Cash Advances (the “Cash Advance Available Limit”) on your Account. This Rate Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account. After the Promotional Period, the 0.00% interest rate on any promotional Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). A Balance Transfer fee of 1% of the amount of each Balance Transfer transferred during the Promotional Period applies. If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances).

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

Rates and Fees: The current annual fee is $120 for the primary card and $29 for each additional supplementary card.

The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.

To qualify for these offers make sure to open a new Scotiabank Gold American Express credit card account by June 29, 2022.

To qualify for the 40,000 bonus Scene+ points offer:

2. Earn 20,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months from account opening.

3. Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year.

Once you qualify, we’ll credit your account in 2 instalments: 1. 20,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days following the qualifying $1,000 in net purchases being posted to your Account in your first 3 months.

2. An additional 20,000 bonus Scene+ points will be credited within approximately 2-3 business days after you have met the $7,500 annual spend threshold in your first year. Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for this offer.

See terms and conditions below for full details.

All rates, fees, features and benefits are subject to change.


*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
 
Scotiabank SCENE® VISA* card
  $60   5,000 bonus Scene+ points   Good  
Earn 5,000 bonus Scene+ points with your first $750 in everyday purchases in first 3 months◊
• Earn Scene+TM* points on everyday purchases.¹

• Earn 5,000 bonus Scene+™ points with your first $750 in everyday purchases in the first 3 months.²

• Earn 5 Scene+ points for every $1 you spend on credit card purchases at Cineplex™ theatres or at cineplex.com.⁴

• Earn 1 Scene+ point for every $1 you spend on your everyday credit card purchases.⁴

• Redeem for a FREE movie with just 1,250 points.

• Get $5 off at participating restaurants when you redeem just 500 points.⁶

• A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.¹,³

1 SCENE Visa cardholders will earn points for purchases made with their SCENE Visa card (“Card”). A Card must be connected to a Scene+ membership account to earn points on purchases made on the Card. Points are not awarded for cash advances, balance transfers, Scotia Credit Card Cheques, returns, refunds or other similar credits, payments fees, interest, service or transaction charges on the Card. Some conditions and limitations apply. Visit www.scotiabank.com/scenevisa for complete details.

2 Offer Description and Conditions: The 5,000 Bonus Scene+ points Offer (the “Offer”) applies only to new SCENE Visa credit card accounts (excluding SCENE Student Visa cards) (“Account”) opened by July 01, 2022 subject to the conditions below. To be eligible for the Offer, at least $750 in eligible purchases must be posted to the Account within the first 3 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The bonus points will be credited within 2-3 business days of the completion of the $750 net purchases provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Only one welcome bonus is awarded per Account. In cases where both the primary and supplementary cardholders are Scene+ members, the bonus points will be credited to the Scene+ membership account that has been connected to the Account. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.



*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
 
Scotia Momentum® No-Fee VISA card
  $55   Earn 5% cash back on all purchases   Good  
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases)
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)1

• Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).² Plus, get a 1.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).²

• Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments.¹

• Earn 0.5% cash back on all other eligible purchases.¹

1 Offer Description and Conditions:> The 5% Cash Back and Introductory 2.99% Interest Rate Offer (the “Offer”) applies only to new Scotia Momentum No-Fee Visa credit card accounts (“Accounts”) that are opened by July 01, 2022 and is subject to the below terms and conditions. All other terms and conditions of the Program Terms continue to apply. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

5% Cash Back Offer Conditions: You will earn 5% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Cash Back Program Rate”) described in the Scotia Momentum No-Fee Visa Cash Back Program Terms and Conditions (the “Program Terms”). The 5% cash back rate for any category is made up of the sum of: (i) the regular Cash Back Program Rate (variable by categories as set out under the Program Terms); and (ii) a “Cash Back Bonus Rate”.

Cash back earned under this Offer will be credited to your Account in 2 instalments so long as your Account is open and in good standing at time of payout of each:

1. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within 7 months from the Account open date; and

2. Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program Terms. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 1% then the Cash Back Bonus Rate will be 4% for that category so that you will earn a total of 5% on the amount of all eligible everyday purchases in that category during the Promotional Period. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be credited to your Account as follows:

(1) the Cash Back Bonus earnings of $80 (4% x $2,000) (which will not be tracked on your monthly statements), will be credited to your Account within 7 months from the Account open date, and (2) the Regular Cash Back earnings of $20 (1% x $2,000) (which will be tracked on your monthly statements), will be credited to your Account as per the regular cash back payment schedule (i.e., November).

Introductory 2.99% Interest Rate Offer Description and Conditions: The Introductory 2.99% Rate Offer (the “Rate Offer”) applies only to purchases, cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies when the new Account is opened by July 01, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). After the Promotional Period, purchase balances at the promotional rate of 2.99% (including any unpaid balances) will increase to the preferred interest rate for purchases (currently 19.99%) and the promotional 2.99% interest rate on any Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional Rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 25.99% on purchases and 27.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions)). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include interest, fees or other charges. This Rate Offer is subject to any available limit for Cash Advances on your Account. This Rate Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account. There is no balance transfer fee on balances transferred during the Promotional Period.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on Cash Advances. All rates, fees, features and benefits are subject to change.



*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
 
Scotiabank Value® VISA* card
  $100   0.99% for balance transfers   Good  
0.99% introductory interest rate on balance transfers for the first 6 months*
• 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)¹

• Save up to hundreds of dollars in interest a year

• Low 12.99% interest rate

• Convenient with Visa payWave*simply wave your card and go!²

• Pay down higher interest rates balances faster

• Transfer higher rate balances and save even more

Terms and conditions apply. Visit the application page for full details.

Offer Description and Conditions: The Introductory 0.99% Balance Transfer Rate Offer (the “Offer”) applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below . This introductory rate applies when the new Scotiabank Value Visa credit card account (“Account”) is opened by July 01, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). This Offer is subject to any available limit for Cash Advances (the “Cash Advance Available Limit”) on your Account. This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank account. After the Promotional Period, the 0.99% interest rate on any promotional Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 12.99%). There is no balance transfer fee on balances transferred during the Promotional Period. If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances). Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Offer may be changed, cancelled or extended and cannot be combined with any other offers.

Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

Rates and Fees: The current annual fee is $29 for the primary card and $0 for each additional supplementary card.
The current preferred annual interest rates for the Account are: 12.99% on purchases and 12.99% on Cash Advances. All rates, fees, features and benefits are subject to change.


*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
 
Scotiabank Passport™ Visa Infinite* Card
  $125   Up to 30,000 bonus Scene+ points   Excellent  
Earn up to 30,000 bonus Scene+ points in your first year (that’s up to $300 towards travel )‡
Earn up to 35,000 bonus Scene+ points in your first year (that’s up to $350 towards travel).1

(19.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $139)

• Earn up to 35,000 bonus Scene+TM* points in your first year (that’s up to $350 towards travel )

To qualify for these offers, make sure to open a new Scotiabank Passport Visa Infinite credit card account by July 4, 2022.

To qualify for the 35,000 bonus Scene+ points:

• Earn 25,000 bonus Scene+ 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+ point bonus when you spend at least $40,000 in everyday net eligible purchases annually.

• Once you qualify, we’ll credit your account in 2 instalments:

• 25,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days following the qualifying $1,000 in net purchases being posted to your Account in your first 3 months.

• Annual 10,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days after you have met the $40,000 annual spend threshold.

• Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the 35,000 bonus points offer. All cardholders remain eligible to earn an annual 10,000 Scene+ point bonus with an annual spend of at least $40,000.

See terms and conditions below for full details.

1 The 25,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite credit card accounts (“Accounts”) that are opened by July 4, 2022 and is subject to the below terms and conditions. All other terms and conditions of the Program Terms continue to apply. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Plus, as a Scotiabank Passport Visa Infinite credit cardholder you are always eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply - see below for further details.

Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

25,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 25,000 bonus Scene+ points (the “Bonus Offer”), you must have at least $1,000 in eligible purchases posted to your new Account within the first 3 months. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The 25,000 Bonus Offer points will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days following the qualifying $1,000 in eligible purchases being posted to your Account within 3 months from the Account open date, provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Bonus Offer applies to new Accounts only opened by July 4, 2022.

10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges.

The Annual bonus Scene+ points will be credited within approximately 2-3 business days after you have met the $40,000 annual spend threshold on the Account and within approximately 2-3 business days after you have met each additional $10,000 annual spend threshold on the Account, provided your Account is open and in good standing (as defined above).

Rates and Fees: The current annual fee is $139 for the primary card, $0 for one additional supplementary card and $50 for each additional supplementary card thereafter. The current preferred annual interest rates for this Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.

To qualify for these offers, make sure to open a new Scotiabank Passport Visa Infinite credit card account by July 4, 2022.

To qualify for the 35,000 bonus Scene+ points:

1. Earn 25,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months.

2. Plus, as a Scotiabank Passport Visa Infinite cardholder, you are eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday net eligible purchases annually.

Once you qualify, we’ll credit your account in 2 instalments:

1. 25,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days following the qualifying $1,000 in net purchases being posted to your Account in your first 3 months.

2. Annual 10,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days after you have met the $40,000 annual spend threshold.

Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the 35,000 bonus points offer. All cardholders remain eligible to earn an annual 10,000 Scene+ point bonus with an annual spend of at least $40,000. See terms and conditions below for full details.


*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
 
Scotiabank®* Platinum American Express® card
  $150   60,000 bonus Scene+ points   Excellent  
Earn up to $2,100* in value in your first 14 months, including up to 60,000* bonus Scene+ points.
• Earn up to $2,100* in value in your first 14 months, including up to 60,000* bonus Scene+ points.

• 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

• No foreign transaction fees : 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 applies7.

• Mobile device insurance : Protect new devices purchased using your card if they get lost, stolen, accidentally damaged, or have a mechanical failure12.

• Airport lounge access : Enjoy 10 complimentary airport lounge passes per year6.

• Annual Fee : $399

Effective July 1, 2022, Earn Rates for Scene+ Points will be changing under the Additional Terms and Conditions for Scotiabank American Express Cardmembers. Visit scotiabank.com/amexchanges for details.

Offer Description and Conditions:

To qualify for this Offer make sure to open a new Scotiabank Platinum American Express credit card account by October 31, 2022.

To qualify for the 60,000 bonus Scene+ points:

Earn 50,000 bonus Scene+ points by making at least $3,000 in everyday eligible purchases in your first 3 months.

Plus, for a limited time, you are eligible to earn a 10,000 Scene+ point bonus when you spend at least $10,000 in everyday eligible purchases in your first 14 months.

Once you qualify, we’ll credit your account in 2 instalments:

50,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days following the qualifying $3,000 in net purchases being posted to your Account in your first 3 months.

An additional 10,000 bonus Scene+ points will be credited within approximately 2-3 business days after you have met the $10,000 spend threshold in your first 14 months.

Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for this offer.

Offer may be changed, cancelled or extended and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Rates and Fees: The current annual fee is $399 for the primary card and $99 for each additional supplementary card.
The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.


*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
 
Scotia Momentum® VISA* card
  $100   2.99% rate on balance transfers   Good  
2.99% introductory interest rate on balance transfers for the first 6 months*
Get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (19.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $39)1

• Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments.¹

• 1% cash back on all other eligible everyday purchases

* Visit the application page for further details


1 Offer Description and Conditions: The Introductory 2.99% Interest Rate Offer (the “Offer”) applies only to eligible purchases and cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies when the new Account is opened by July 01, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). After the Promotional Period, purchase balances at the promotional rate of 2.99% (including any unpaid balances) will increase to the preferred interest rate for purchases (currently 19.99%) and the promotional 2.99% interest rate on any Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional ate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 25.99% on purchases and 27.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions)). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include interest, fees or other charges. This Offer is subject to any available limit for Cash Advances on your Account. This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account. There is no balance transfer fee on balances transferred during the Promotional Period.

Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

Rates and Fees: The current annual fee is $39 for the primary card and $15 for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on Cash Advances. All rates, fees, features and benefits are subject to change.



*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

One card that is becoming quite popular throughout Canada is the Scotia Momentum VISA card. The Momentum VISA card was created with the thought that some people might prefer getting cash back instead of receiving rewards or points for using it. Like having an extra savings account, the money that you save accrues on your monthly credit card statements for one year. At the end of that 12 month period, the money will either be deposited into your Scotiabank bank account, or it will show up as a credit on your VISA statement.

There are three main categories of businesses that will provide you with 2% cash back on your purchases: grocery stores, service stations, and drug stores. Almost every grocery store chain in Canada participate. It is a similar situation with service stations and drugstores. If you are unsure if your retailer is a participant, you can visit the Scotiabank website and download a comprehensive list.

If you want to, you can arrange to make recurring payments with your Visa card through participating retailers. This means that you should be able to pay your cable, gas, phone, and other utility bills using your card and more importantly, your code. Because of that, you will be able to receive 2% credited back to you on most of your monthly purchases.

By using a Scotia Momentum VISA card, you automatically qualify for a 20% discount on any car rental through Avis. You do not have to rent from Avis in Canada for this discount to be applicable. You can also take advantage of some technology that Scotia built into the Momentum VISA card called payWave. PayWave allows you to visit any participating merchant and wave your VISA card in the air near the cash register to pay your bill. It is designed to make it much easier and more secure for you to walk into a service station or restaurant and pay.


• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.


GreatCanadianRebates - Cash Back and Coupons Home