Credit Card Coach

Filter : Scotiabank


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Scotia Momentum® VISA* Infinite card
• No annual fee in the first year, including on supplementary cards◊

• 4% on eligible recurring bill payments and grocery store purchases

• 2% on eligible gas station and daily transit purchases

• 1% cash back on all other eligible everyday purchases

• Complimentary Concierge Services 24/7

• Visa Infinite Dining Series

• Visa Infinite Music Series

• Wine Country Wonders

• Luxury Hotel Privileges

• Comprehensive Travel Insurance & New Mobile Device Insurance coverage

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

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

◊ The First Year Annual Fee Waiver 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 November 1, 2020 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.

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 $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.


*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 10% cash back on all purchases for the first 3 months. First year annual fee waived
On Going Rewards 1st: 4% on eligible recurring bill payments and grocery store purchases
On Going Rewards 2nd: 2% on eligible gas station and daily transit purchases
GCR Rebate: 60
GCR Rebate
$60
Initial Rewards
10% cash back
Annual Fee
120
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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
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Scotiabank®* Gold American Express® Card
• Earn 20,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months†

• Earn 5 Scotia Rewards points forevery $1 you spend at eligible grocery stores, dining and entertainment

• Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services

• Earn 1 Scotia Rewards point for every $1 you spend on all other eligible everyday purchases in any currency

• Complimentary Concierge Services 24/7

• Amex exclusive benefits (Front Of The Line®)

• Rates, fees, offers and other information are effective as of July 2, 2020. Subject to change.

• $120 Annual Fee

Offer Description and Conditions: The 20,000 Bonus Scotia Rewards Points Offer (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Account”) opened by August 31, 2020 subject to the conditions below. To be eligible for the Offer, at least $1,000 in eligible purchases must be posted to the Account within 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 appear as an adjustment on the Account statement within 2 statement cycles after the third billing cycle has passed provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (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 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 $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.


*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 20,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months†
On Going Rewards 1st: Earn 5 Scotia Rewards points forevery $1 you spend at eligible grocery stores, dining and entertainment
On Going Rewards 2nd: Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
GCR Rebate: 60
GCR Rebate
$60
Initial Rewards
20,000 bonus Scotia Rewards points
Annual Fee
$120
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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
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Scotiabank SCENE® VISA* card
• Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months◊

• Earn 1 SCENE point for every $1 you spend on credit card purchases

• Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

Offer Description and Conditions: The 2,500 Bonus SCENE Points Offer (the “Offer”), applies only to new SCENE Visa credit card accounts (excluding SCENE Student Visa cards) (“Account”) opened by October 31, 2020 subject to the conditions below. To be eligible for the Offer, at least $500 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 awarded within 2-3 business days of the completion of the $500 net purchases provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (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 case 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 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months◊
On Going Rewards 1st: Earn 1 SCENE point for every $1 you spend on credit card purchases
On Going Rewards 2nd: Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex
GCR Rebate: 45
GCR Rebate
$45
Initial Rewards
2,500 bonus SCENE points
Annual Fee
$0
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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
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Scotia Momentum® No-Fee VISA card
• 7.99% introductory interest rate on purchases for the first 6 months*

• Cash back on everyday spending with no annual fee

• 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments

• 0.5% cash back on all other eligible everyday purchases

• Rates, fees and other information are effective as of May 1, 2020. Subject to change.

* Visit the application page for further details

Minimum Application Requirements
• You have a minimum annual personal gross income of $12,000
• You haven’t declared bankruptcy in the past 7 years
• You're at least the age of majority in your province or territory
• Your home address matches your credit report home address. (Before applying, you can review this though TransUnion CreditView and contact TransUnion to update this information)
• You’re a Canadian citizen or are a permanent resident. If you’re not a permanent resident you can still bank with us – call us at 1.800.4SCOTIA to book an appointment/ head over to https://maps.scotiabank.com/locator/index.html to find a branch near you.


Offer Description and Conditions: The introductory 7.99% interest rate applies only to eligible purchases subject to the conditions below (the “Offer”). This rate applies when the new Scotia Momentum No-Fee Visa credit card account (“Account”) is opened by October 31, 2020 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 7.99% (including any unpaid balances) will increase to the preferred interest rate for purchases (currently 19.99%). 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 and purchases will increase to the standard annual interest rates that apply to your Account (currently 24.99% 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 payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges.

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: 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: 7.99% introductory interest rate on purchases for the first 6 months*
On Going Rewards 1st: 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
On Going Rewards 2nd: 0.5% cash back on all other eligible everyday purchases
GCR Rebate: 40
GCR Rebate
$40
Initial Rewards
7.99% introductory interest rate
Annual Fee
$0
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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
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Scotiabank Value® VISA* card
• 0.99% introductory interest rate on balance transfers for the first 6 months*

• Save hundreds of dollars in interest a year

• Low 12.99% interest rate

• Pay down balances faster

• Simplify your monthly payments

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

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

Offer Description and Conditions: The introductory 0.99% interest rate applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below (the “Offer”). This rate applies when the new Scotiabank Value Visa credit card account (“Account”) is opened by October 31, 2020 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%). 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 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. A Balance Transfer fee of 0% of the amount of each Balance Transfer transferred during the Promotional Period applies to this Offer.

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: 60
GCR Rebate
$60
Initial Rewards
0.99% for balance transfers
Annual Fee
$29
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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
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Scotiabank Passport™ Visa Infinite* Card
• Earn up to 35,000 bonus Scotia Rewards points in your first year (that’s up to $350 towards travel )‡

• Earn 2x Scotia Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases and daily transit purchases (including buses, subways, taxis and more)

• Enjoy no FX Mark-up

• Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

‡ For a limited time, become a new Scotiabank Passport Visa Infinite credit cardholder and earn a one-time 25,000 Scotia Rewards point bonus with your first $1,000 in everyday eligible purchases if made within the first 3 months (the “Bonus Offer”). Bonus Offer ends August 31, 2020. Conditions apply - see below1 for further details. Bonus Offer may be changed, cancelled or extended 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 Scotia Rewards point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply - see below2 for further details.

The current annual fee for the Scotiabank Passport Visa Infinite credit card (“Account”) 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.

1 Bonus 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 25,000 Scotia Rewards point bonus offer (the “Bonus Offer”). Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Bonus Offer.

Bonus Offer Description and Conditions: To be eligible for the Bonus Offer, you must have at least $1,000 in eligible purchases posted to your new Scotiabank Passport Visa Infinite credit card account (“Account”) in the first 3 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. Any bonus points received under the Bonus Offer will be credited to the primary cardholder’s Scotia Rewards account within 5 to 10 business days after the first 3 months has passed, provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (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 August 31, 2020. Offer may be changed, cancelled or extended and cannot be combined with any other offers.

2 As a Scotiabank Passport Visa Infinite credit cardholder earn an annual Scotia Rewards point bonus starting at 10,000 bonus Scotia Rewards points when you make at least $40,000 in eligible purchases annually on your Scotiabank Passport Visa Infinite account (“Account”) each year (12-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. Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scotia Rewards points for every additional $10,000 in Purchases thereafter in that same year, after the $40,000 annual spend has been reached.

Annual bonus Scotia Rewards points will be applied within two statement cycles after you have met the $40,000 annual spend threshold on the Account or within two statement cycles after you have met each additional $10,000 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 delinquent (past due) or over limit and the Cardholders(s) is not in breach of the Revolving Credit Agreement that applies to the Account.

*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 35,000 bonus Scotia Rewards points in your first year (that’s up to $350 towards travel )‡
On Going Rewards 1st: Earn 2x Scotia Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases and daily transit purchases
On Going Rewards 2nd: Enjoy no FX Mark-up
GCR Rebate: 55
GCR Rebate
$55
Initial Rewards
35,000 bonus Scotia Rewards points
Annual Fee
$139
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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
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Scotiabank® GM® VISA* Card
• Get closer to your new car with up to 5% in GM Earnings

• Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter

• $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac

• No earning or redemption caps

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

* Visit the application page for further 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 5% in GM Earnings on the first $5,000 spent annually
On Going Rewards 1st: Earm 2% thereafter
On Going Rewards 2nd: $1 in GM Earning = $1 off the purchase price or lease
GCR Rebate: 45
GCR Rebate
$45
Initial Rewards
Earn 5% in GM Earnings
Annual Fee
$0
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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
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Scotiabank® GM® VISA* Infinite Card
• First year annual fee waived◊

• Get closer to your new car with up to 5% in GM Earnings

• Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter

• $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac

• No earning or redemption caps

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

* Visit the application page for further details


Offer Description and Conditions: The First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotiabank GM Visa Infinite credit card accounts (“Accounts”) that are opened, and any supplementary Account cards issued, by October 31, 2020 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.

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 $79 for the primary card and $39 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% in GM Earnings on the first $10,000 spent annually. First year annual fee waived◊
On Going Rewards 1st: Earm 2% thereafter
On Going Rewards 2nd: $1 in GM Earning = $1 off the purchase price or lease
GCR Rebate: 60
GCR Rebate
$60
Initial Rewards
5% in GM Earnings
Annual Fee
$0
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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
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Scotiabank®* Platinum American Express® card
• Earn 30,000 bonus Scotia Rewards points upon first purchase◊

• Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment

• Earn one point on all other eligible everyday purchases

• Complimentary membership to Priority Pass Airport Lounges Worldwide

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

Annual Fee : $399

Offer Description and Conditions: The 30,000 Bonus Scotia Rewards points offer (the “Offer”), applies only to new, Scotiabank Platinum American Express credit card accounts (“Account”) opened by October 31, 2020 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 appear as an adjustment on the Account statement within 2 statement cycles of the first card purchase provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (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 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 30,000 bonus Scotia Rewards points upon first purchase◊
On Going Rewards 1st: Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
On Going Rewards 2nd: Earn one point on all other eligible everyday purchases
GCR Rebate: 60
GCR Rebate
$60
Initial Rewards
30,000 bonus Scotia Rewards points
Annual Fee
$399
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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
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ScotiaGold Passport® VISA* card
• Earn 5,000 Scotia Rewards bonus points upon your first purchase*

• Earn 1 Scotia Rewards point for every $1 you spend on eligible everyday purchases

• 5% cash back on travel purchased through Scotia Rewards Flexible Point Redemption

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

* Visit the application page for further details

Offer Description and Conditions: The 5,000 Scotia Rewards Bonus Points Offer (the “Offer”) applies only to a new ScotiaGold Passport Visa credit card accounts (“Account”) opened by October 31, 2020 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 appear as an adjustment on the Account statement within 2 statement cycles of the first card purchase provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (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 5,000 Scotia Rewards bonus points offer (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 $110 for the primary card and $30 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. Offer may be changed, cancelled or extended and cannot be combined with any other offers.


*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 Scotia Rewards bonus points upon your first purchase*
On Going Rewards 1st: Earn 1 Scotia Rewards point for every $1 you spend on eligible everyday
On Going Rewards 2nd: 5% cash back on travel purchased through Scotia Rewards
GCR Rebate: 60
GCR Rebate
$60
Initial Rewards
5,000 Scotia Rewards points
Annual Fee
$110
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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
-
Scotia Momentum® VISA* card
Cash back on everyday spending

• 2.99% introductory interest rate on balance transfers for the first 6 months*

• Cash back with low annual fee

• 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments

• 1% cash back on all other eligible everyday purchases

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

* Visit the application page for further details


Offer Description and Conditions: 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 rate applies when the new Scotia Momentum Visa card credit card account (“Account”) is opened by October 31, 2020 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 2.99% 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 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 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 (with the exception of cardholders of the Scotiabank More Rewards 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: A Balance Transfer fee of 0% of the amount of each Balance Transfer transferred during the Promotional Period applies to this Offer. 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.


PLEASE READ TO MAKE SURE YOU GET A CASH BACK REBATE

• Click link above. 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 will be paid upon card approval.

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: 45
GCR Rebate
$45
Initial Rewards
2.99% rate on balance transfers
Annual Fee
$39
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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
    GCR Rebate   Initial Rewards   Annual Fee   Credit Needed  
 
Scotia Momentum® VISA* Infinite card
  $60   10% cash back   120   Excellent  
Earn 10% cash back on all purchases for the first 3 months. First year annual fee waived
• No annual fee in the first year, including on supplementary cards◊

• 4% on eligible recurring bill payments and grocery store purchases

• 2% on eligible gas station and daily transit purchases

• 1% cash back on all other eligible everyday purchases

• Complimentary Concierge Services 24/7

• Visa Infinite Dining Series

• Visa Infinite Music Series

• Wine Country Wonders

• Luxury Hotel Privileges

• Comprehensive Travel Insurance & New Mobile Device Insurance coverage

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

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

◊ The First Year Annual Fee Waiver 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 November 1, 2020 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.

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 $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.


*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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
 
Scotiabank®* Gold American Express® Card
  $60   20,000 bonus Scotia Rewards points   $120   Good  
Earn 20,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months†
• Earn 20,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months†

• Earn 5 Scotia Rewards points forevery $1 you spend at eligible grocery stores, dining and entertainment

• Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services

• Earn 1 Scotia Rewards point for every $1 you spend on all other eligible everyday purchases in any currency

• Complimentary Concierge Services 24/7

• Amex exclusive benefits (Front Of The Line®)

• Rates, fees, offers and other information are effective as of July 2, 2020. Subject to change.

• $120 Annual Fee

Offer Description and Conditions: The 20,000 Bonus Scotia Rewards Points Offer (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Account”) opened by August 31, 2020 subject to the conditions below. To be eligible for the Offer, at least $1,000 in eligible purchases must be posted to the Account within 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 appear as an adjustment on the Account statement within 2 statement cycles after the third billing cycle has passed provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (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 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 $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.


*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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
 
Scotiabank SCENE® VISA* card
  $45   2,500 bonus SCENE points   $0   Good  
Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months◊
• Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months◊

• Earn 1 SCENE point for every $1 you spend on credit card purchases

• Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

Offer Description and Conditions: The 2,500 Bonus SCENE Points Offer (the “Offer”), applies only to new SCENE Visa credit card accounts (excluding SCENE Student Visa cards) (“Account”) opened by October 31, 2020 subject to the conditions below. To be eligible for the Offer, at least $500 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 awarded within 2-3 business days of the completion of the $500 net purchases provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (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 case 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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
 
Scotia Momentum® No-Fee VISA card
  $40   7.99% introductory interest rate   $0   Good  
7.99% introductory interest rate on purchases for the first 6 months*
• 7.99% introductory interest rate on purchases for the first 6 months*

• Cash back on everyday spending with no annual fee

• 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments

• 0.5% cash back on all other eligible everyday purchases

• Rates, fees and other information are effective as of May 1, 2020. Subject to change.

* Visit the application page for further details

Minimum Application Requirements
• You have a minimum annual personal gross income of $12,000
• You haven’t declared bankruptcy in the past 7 years
• You're at least the age of majority in your province or territory
• Your home address matches your credit report home address. (Before applying, you can review this though TransUnion CreditView and contact TransUnion to update this information)
• You’re a Canadian citizen or are a permanent resident. If you’re not a permanent resident you can still bank with us – call us at 1.800.4SCOTIA to book an appointment/ head over to https://maps.scotiabank.com/locator/index.html to find a branch near you.


Offer Description and Conditions: The introductory 7.99% interest rate applies only to eligible purchases subject to the conditions below (the “Offer”). This rate applies when the new Scotia Momentum No-Fee Visa credit card account (“Account”) is opened by October 31, 2020 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 7.99% (including any unpaid balances) will increase to the preferred interest rate for purchases (currently 19.99%). 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 and purchases will increase to the standard annual interest rates that apply to your Account (currently 24.99% 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 payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges.

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: 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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
 
Scotiabank Value® VISA* card
  $60   0.99% for balance transfers   $29   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*

• Save hundreds of dollars in interest a year

• Low 12.99% interest rate

• Pay down balances faster

• Simplify your monthly payments

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

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

Offer Description and Conditions: The introductory 0.99% interest rate applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below (the “Offer”). This rate applies when the new Scotiabank Value Visa credit card account (“Account”) is opened by October 31, 2020 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%). 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 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. A Balance Transfer fee of 0% of the amount of each Balance Transfer transferred during the Promotional Period applies to this Offer.

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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
 
Scotiabank Passport™ Visa Infinite* Card
  $55   35,000 bonus Scotia Rewards points   $139   Excellent  
Earn up to 35,000 bonus Scotia Rewards points in your first year (that’s up to $350 towards travel )‡
• Earn up to 35,000 bonus Scotia Rewards points in your first year (that’s up to $350 towards travel )‡

• Earn 2x Scotia Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases and daily transit purchases (including buses, subways, taxis and more)

• Enjoy no FX Mark-up

• Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

‡ For a limited time, become a new Scotiabank Passport Visa Infinite credit cardholder and earn a one-time 25,000 Scotia Rewards point bonus with your first $1,000 in everyday eligible purchases if made within the first 3 months (the “Bonus Offer”). Bonus Offer ends August 31, 2020. Conditions apply - see below1 for further details. Bonus Offer may be changed, cancelled or extended 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 Scotia Rewards point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply - see below2 for further details.

The current annual fee for the Scotiabank Passport Visa Infinite credit card (“Account”) 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.

1 Bonus 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 25,000 Scotia Rewards point bonus offer (the “Bonus Offer”). Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Bonus Offer.

Bonus Offer Description and Conditions: To be eligible for the Bonus Offer, you must have at least $1,000 in eligible purchases posted to your new Scotiabank Passport Visa Infinite credit card account (“Account”) in the first 3 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. Any bonus points received under the Bonus Offer will be credited to the primary cardholder’s Scotia Rewards account within 5 to 10 business days after the first 3 months has passed, provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (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 August 31, 2020. Offer may be changed, cancelled or extended and cannot be combined with any other offers.

2 As a Scotiabank Passport Visa Infinite credit cardholder earn an annual Scotia Rewards point bonus starting at 10,000 bonus Scotia Rewards points when you make at least $40,000 in eligible purchases annually on your Scotiabank Passport Visa Infinite account (“Account”) each year (12-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. Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scotia Rewards points for every additional $10,000 in Purchases thereafter in that same year, after the $40,000 annual spend has been reached.

Annual bonus Scotia Rewards points will be applied within two statement cycles after you have met the $40,000 annual spend threshold on the Account or within two statement cycles after you have met each additional $10,000 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 delinquent (past due) or over limit and the Cardholders(s) is not in breach of the Revolving Credit Agreement that applies to the Account.

*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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
 
Scotiabank® GM® VISA* Card
  $45   Earn 5% in GM Earnings   $0   Good  
Earn 5% in GM Earnings on the first $5,000 spent annually
• Get closer to your new car with up to 5% in GM Earnings

• Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter

• $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac

• No earning or redemption caps

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

* Visit the application page for further 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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
 
Scotiabank® GM® VISA* Infinite Card
  $60   5% in GM Earnings   $0   Good  
Earn 5% in GM Earnings on the first $10,000 spent annually. First year annual fee waived◊
• First year annual fee waived◊

• Get closer to your new car with up to 5% in GM Earnings

• Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter

• $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac

• No earning or redemption caps

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

* Visit the application page for further details


Offer Description and Conditions: The First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotiabank GM Visa Infinite credit card accounts (“Accounts”) that are opened, and any supplementary Account cards issued, by October 31, 2020 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.

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 $79 for the primary card and $39 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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
 
Scotiabank®* Platinum American Express® card
  $60   30,000 bonus Scotia Rewards points   $399   Excellent  
Earn 30,000 bonus Scotia Rewards points upon first purchase◊
• Earn 30,000 bonus Scotia Rewards points upon first purchase◊

• Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment

• Earn one point on all other eligible everyday purchases

• Complimentary membership to Priority Pass Airport Lounges Worldwide

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

Annual Fee : $399

Offer Description and Conditions: The 30,000 Bonus Scotia Rewards points offer (the “Offer”), applies only to new, Scotiabank Platinum American Express credit card accounts (“Account”) opened by October 31, 2020 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 appear as an adjustment on the Account statement within 2 statement cycles of the first card purchase provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (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 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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
 
ScotiaGold Passport® VISA* card
  $60   5,000 Scotia Rewards points   $110   Good  
Earn 5,000 Scotia Rewards bonus points upon your first purchase*
• Earn 5,000 Scotia Rewards bonus points upon your first purchase*

• Earn 1 Scotia Rewards point for every $1 you spend on eligible everyday purchases

• 5% cash back on travel purchased through Scotia Rewards Flexible Point Redemption

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

* Visit the application page for further details

Offer Description and Conditions: The 5,000 Scotia Rewards Bonus Points Offer (the “Offer”) applies only to a new ScotiaGold Passport Visa credit card accounts (“Account”) opened by October 31, 2020 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 appear as an adjustment on the Account statement within 2 statement cycles of the first card purchase provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (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 5,000 Scotia Rewards bonus points offer (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 $110 for the primary card and $30 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. Offer may be changed, cancelled or extended and cannot be combined with any other offers.


*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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
 
Scotia Momentum® VISA* card
  $45   2.99% rate on balance transfers   $39   Good  
2.99% introductory interest rate on balance transfers for the first 6 months*
Cash back on everyday spending

• 2.99% introductory interest rate on balance transfers for the first 6 months*

• Cash back with low annual fee

• 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments

• 1% cash back on all other eligible everyday purchases

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

* Visit the application page for further details


Offer Description and Conditions: 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 rate applies when the new Scotia Momentum Visa card credit card account (“Account”) is opened by October 31, 2020 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 2.99% 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 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 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 (with the exception of cardholders of the Scotiabank More Rewards 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: A Balance Transfer fee of 0% of the amount of each Balance Transfer transferred during the Promotional Period applies to this Offer. 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.


PLEASE READ TO MAKE SURE YOU GET A CASH BACK REBATE

• Click link above. 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 will be paid upon card approval.

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 GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.

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