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Credit cards · Scotiabank

Best Scotiabank credit cards in Canada

Scotiabank’s Momentum cash-back and Scene+/Passport travel cards are perennial picks — the Passport even waives foreign-transaction fees. Every Scotiabank card we track, verified at the source.

Verified at the issuer · June 12, 2026

The 4 Scotiabank cards we track

Sorted by annual fee. Every figure read at the issuer’s own page — earn rates with their caps, offers with their end dates.

Scotiabank Value Visa

Scotiabank · Visa

$29/year

First year waived under the current offer

  • No rewards — 13.99% on purchases, cash advances AND balance transfers

0.99% on balance transfers for 9 months (2% fee, min $5; max transfer $49,999.99) — ends Oct 31, 2026

Income
No stated income floor · min credit limit $500
FX fee
2.5% (application disclosure)
Rates
13.99% purchases · 13.99% — rare: same low rate on advances advances
Verified at Scotiabank · Jun 12

Scotiabank Momentum Visa Infinite

Scotiabank · Visa Infinite

$120/year
The 4% grocery benchmark

$50 per supplementary — both waived first year under the current offer

  • 4% groceries + recurring payments (each to $25,000/yr spend)
  • 2% gas, EV charging, daily transit and food delivery ($25,000/yr)
  • 1% after caps and on everything else

15% cash back on the first $2,000 of purchases in 3 months (up to $300) + first-year fee waiver — window May 1 to Nov 1, 2026; excluded if you held a Scotia personal card in the past 2 years

Income
$60k–$80k personal / $100k–$150k household (Scotia’s stated range) · min credit limit $5,000
FX fee
Not published on the card page — confirm in the cardholder agreement (typically 2.5%)
Travel medical
Under 65: 15 days ($1M) · 65+: not covered per the card page
Rates
20.99% purchases · 22.99% advances
Verified at Scotiabank · Jun 12
$120/year
No-FX + the top grocery multiplier

$29 supplementary; waived with Ultimate Package

  • 6× Scene+ at Sobeys-family grocers · 5× other groceries, dining, food delivery, entertainment
  • 3× gas, transit, streaming · accelerated rates on the first $50,000/yr total, then 1×

45,000 Scene+ pts (25k at $2,000/3mo + 20k at $7,500/yr) — window Jan 2 to July 1, 2026 · Ends soon

Income
$12,000
FX fee
NONE — “only the exchange rate applies”
Travel medical
25 days under 65 · 65+: 3 days
Rates
21.99% purchases · 22.99% advances
Verified at Scotiabank · Jun 12

Scotiabank Passport Visa Infinite+

Scotiabank · Visa Infinite

$150/year
The no-FX travel flagship

Waived with an eligible Scotia bank account; first supplementary $0

  • 3× at Sobeys/Safeway/IGA/Foodland · 2× dining, other groceries, entertainment, transit · 1× else
  • 10,000-pt annual bonus at $40,000 spend

Headline 60,000 Scene+ pts (40k at $2,000/3mo + 10k at $10,000/6mo + the annual 10k spend bonus) — accounts opened Jan 2 to July 1, 2026 · Ends soon

Income
$60,000 personal / $100,000 household / $250,000 AUM
FX fee
NONE — “without the typical 2.5% foreign transaction fee… Just the exchange rate applies”
Travel medical
25 days under 65 ($2M) · 65+: 3 days — NOT the 10 days widely cited (that’s the $599 Privilege card)
Rates
20.99% purchases · 22.99% advances
Verified at Scotiabank · Jun 12

Frequently asked questions

How many Scotiabank cards does this compare?
We track 4 Scotiabank cards, with annual fees from $29 to $150. Every earn rate, welcome offer and fee is read from the issuer’s own page and dated on each card below — not pulled from an aggregator.
Should I pick a card just because it’s from Scotiabank?
No. Loyalty to one bank rarely gets you the best card. Compare the best card for your spending across all issuers on our best credit cards in Canada ranking, then come back if a Scotiabank card wins.
Are the offers and fees up to date?
Each card shows the date its figures were verified at the issuer (most recently June 12, 2026), and offers flagged “Ends soon” are within ~30 days of the issuer-stated expiry. Card terms change — always confirm on the issuer’s page (linked on every card) before you apply.

Compare across every issuer on the best credit cards in Canada ranking, or by what you spend on — cash back, travel and no-fee. Educational only, not financial advice; confirm terms at the issuer before applying.