Scotiabank® Gold American Express® Card
4.7 Guru Pick
$950
1st-yr value
50,000 Scene Pts
Welcome bonus
$120
Annual fee
6x groceries5x dining5x entertainment3x streaming
No FX feesMobile insuranceTravel insuranceRental car cover
Scotiabank Credit Cards
Updated June 2026 · 9 cards · 15 accounts · Independently rated by the CreditCardGuru editorial team
Scotiabank offers 9 credit cards in Canada, spanning rewards, cash back, travel and no-fee cards. Our top-rated Scotiabank credit card is the Scotiabank® Gold American Express® Card (4.7/5) — best for grocery shoppers and travellers who want no foreign transaction fees. Compare every Scotiabank credit card below — welcome bonuses, annual fees, earn rates and independent ratings — to find the best Scotiabank card for the way you spend.
Advertiser disclosure: we may be compensated for links on this page. Our ratings stay independent. Learn more.
Scotia Momentum® Visa Infinite +* Card
4.5 Guru Pick
$300
1st-yr value
$300
Welcome bonus
$120 $0
1st year free
4% groceries4% bills2% gas2% transit
Mobile insuranceTravel insuranceRental car coverConcierge
Scotiabank® Passport® Visa Infinite +* Card
4.4
$1,250
1st-yr value
35,000 Scene Pts
Welcome bonus
$150
Annual fee
3x groceries2x groceries1x everything else
No FX feesLounge access
Scotiabank® Platinum American Express® Card
4.4
$1,454
1st-yr value
100,000 Scene Pts
Welcome bonus
$399
Annual fee
4x travel2x everything else
No FX feesLounge accessTravel insuranceRental car cover
Scotia Momentum® No-Fee Visa* Card
4.3
$100
1st-yr value
$2,000
Welcome bonus
No fee
Annual fee
1% groceries1% gas1% transit1% drugstore
Rental car cover
Scotiabank® American Express® Card
4.1
$100
1st-yr value
10,000 Scene Pts
Welcome bonus
No fee
Annual fee
3x groceries2x dining2x entertainment2x gas
Mobile insuranceRental car coverPurchase protection
Scotiabank® Passport® Visa Infinite Privilege* Card
4.0
$1,493
1st-yr value
80,000 Scene Pts
Welcome bonus
$599
Annual fee
6x travel2x dining1x everything else
No FX feesLounge access
Scotiabank®SCENE+™ Visa* Card
4.0
$50
1st-yr value
5,000 Scene Pts
Welcome bonus
No fee
Annual fee
2x groceries2x entertainment1x everything else
Purchase protection
Scotia Momentum® Visa* card
3.0
—
1st-yr value
—
Welcome bonus
$49
Annual fee
2% groceries2% gas2% bills2% drugstore
Scotiabank chequing & savings accounts
All accountsScotiabankChequing
Basic Plus Bank Account
Monthly fee
$12/mo
Transactions
Included
ScotiabankSavings
MomentumPLUS Savings Account
Promo rate
4.95%
Monthly fee
$0
for 3 months
See detailsScotiabankSavings
Money Master Savings Account
Interest rate
0.01%
Monthly fee
$0
ScotiabankSavings
Right Size Savings for Business
Promo rate
2.95%
Monthly fee
$0
for 4 months
See detailsScotiabankSavings
Savings Accelerator Account
Interest rate
0.1%
Monthly fee
$0
ScotiabankSavings
Scotia Daily Interest Euro Account
Interest rate
—
Monthly fee
$0
ScotiabankSavings
Scotia High Interest Savings Account
Promo rate
2.8%
Monthly fee
$0
for 3 months
See detailsScotiabankChequing
Scotiabank Preferred Package for Students and Youth
Monthly fee
$0 (No monthly account fee if you are under 25 years old or a full-time student)
Transactions
Included
ScotiabankSavings
Scotiabank U.S. Dollar Daily Interest Account
Interest rate
—
Monthly fee
$0
ScotiabankChequing
Scotiabank® Basic Bank Account
Monthly fee
$3.95
Transactions
Included
ScotiabankChequing
Scotiabank® Preferred Package Chequing Account
Monthly fee
$16.95/mo
Transactions
Included
ScotiabankChequing
Scotiabank® Right Size Account for Business
Monthly fee
$6/mo
Transactions
—
ScotiabankChequing
Scotiabank® StartRight Program
Monthly fee
$16.95/mo; No monthly fees for a year
Transactions
Included
ScotiabankChequing
Select Account for Business
Monthly fee
$20/mo
Transactions
Included
ScotiabankChequing
Ultimate Package Chequing Account
Monthly fee
$31/mo
Transactions
Included
Scotiabank credit cards: FAQ
What is the best Scotiabank credit card in Canada?
Our highest-rated Scotiabank card is the Scotiabank® Gold American Express® Card (4.7/5), with a welcome offer worth around $950. The Scotia Momentum® Visa Infinite +* Card is a strong runner-up.
Does Scotiabank have a no annual fee credit card?
Yes — Scotiabank offers 3 no annual fee cards, including the Scotia Momentum® No-Fee Visa* Card.
What types of Scotiabank credit cards are there?
Scotiabank offers rewards, cash back, travel and no-fee credit cards in Canada. Use the filters and reward details below to match a Scotiabank card to your spending.
Does Scotiabank have a credit card with no foreign transaction fees?
Yes — the Scotiabank® Gold American Express® Card waives the usual 2.5% foreign transaction fee, which saves you money on purchases in another currency and while travelling.
What credit score do you need for a Scotiabank credit card?
Most Scotiabank rewards and travel cards expect good-to-excellent credit (a score around 660+). No-fee, student and secured cards are more accessible, and a secured card can help you build credit from scratch.
Compare credit cards from other banks
Prefer to compare across every issuer? Browse all credit cards or use our rewards calculator.
Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.
Written by
CreditCardGuru Editorial Team
Rewards & Cards Research
Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.
- 200+ Canadian cards tracked
- Transparent rating methodology
- Updated continuously
Cite this page
“Scotiabank Credit Cards in Canada” — CreditCardGuru, https://creditcardguru.ca/banks/scotiabank.