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 February 1, 2018. 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 havent 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)
Youre a Canadian citizen or are a permanent resident. If youre 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.
◊ To be eligible for the 5,000 bonus points offer (the Offer), an eligible purchase must be posted to your new Scotiabank credit card account (Account) within 2 months of your 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 your Account statement within 2 statement cycles of your 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 applies to a new Account only opened by June 30, 2019.
Former or current Scotiabank credit cardholders of any kind in the past 2 years, including those that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account, are excluded from this Offer.
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.