View the Best Scotiabank Credit Cards - Comparewise

Best Scotiabank Credit Cards

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Scotiabank

No foreign transaction fees and high rewards on everyday purchases are a...
  • $120
    Annual fee
  • 25,000 pts
    Welcome Bonus
  • 5 pts
    Every $1 Spent
  • Min.Credit:
                        
  • Rating: no reviews
The Scotiabank Passport Visa Infinite card is a rare credit card that...
  • $139
    Annual fee
  • 25,000 pts
    Welcome Bonus
  • 2 pts
    Every $1 Spent
  • Min.Credit:
                        
  • Rating: no reviews

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Scotiabank Credit Cards

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Scotiabank is one of Canada's largest banks. It operates beyond Canada as well, in over 50 countries. Therefore, once you become a Scotiabank credit cardholder, you'll benefit from their presence wherever you travel.

Scotiabank caters to many credit card shoppers, from travel credit cards to student and newcomer credit cards. You can easily find a credit card suitable for your spending needs. Compared to alternative lenders and credit unions, the Scotiabank credit cards are superior.

One great thing about Scotiabank credit cards is that most have low or no annual fees. A few also have no foreign transaction fees. Scotiabank has a lucrative rewards program as well.

Types of Scotiabank Credit Cards

It may come as no surprise that Scotiabank has a comprehensive suite of credit cards. They offer 16 personal credit cards in total, a combination of cards in their name and co-branded cards.

Scotiabank Reward Program

Scotiabank credit cards give cardholders access to the credit card rewards points program. It's called Scene+. You can earn these benefits with participating credit cards, including the Scotiabank Gold American Express Card. Their student credit card earns Scene+ points as well.

You can earn Scene+ rewards quickly. The Scotiabank Platinum American Express Card even accelerates the travel rewards you earn.

Scene+ rewards can be redeemed for several benefits. This includes:

  • Cashback
  • Charity donations
  • Statement credits
  • Travel (hotels, flights, car rentals, and more)
  • Merchandise through the Apply and Best Buy Catalogue
  • Dining at Fionn MacCools, Paddy Flaherty’s, Swiss Chalet and more
  • Entertainment at Cineplex Theatres, Playdium, The Rec Room, and Cineplex Store

Besides earning rewards points, some Scotiabank credit cards have cashback benefits.

Scotiabank Partnerships

The co-branded Scotiabank credit cards offer great value and benefits. Scotiabank provides credit cards affiliated with the following companies:

  • American Express
  • General Motors
  • Cineplex

scotiabank credit cards - comparewise

Pros and Cons of Scotiabank Credit Cards

Getting a credit card from a major bank has its benefits and drawbacks. Consider the following pros and cons when deciding on a credit card.

The Pros of Scotiabank Credit Cards

  • Low or no annual fees. Most Scotiabank credit cards don’t have an annual fee, and if they do, it’s lower than other credit cards. Eleven of their credit cards don’t have annual fees above $100.
  • No foreign transaction fee options are available. If you want to avoid the charge, you get when you don't pay in Canadian dollars, Scotiabank has a card for you. Frequent travellers can benefit from the no foreign transaction fees on the Scotiabank Passport™ Visa Infinite* Card.
  • Competitive earn rates. Scotiabank's credit cards offer great value with the cashback and points rewards compared to other credit card providers.
  • Comprehensive insurance options. Most Scotiabank credit cards come with insurance packages that include flight delays and travel emergency medical coverage.

The Cons of Scotiabank Credit Cards

  • High standard interest rates. Besides the low-interest credit cards, all other Scotiabank credit cards have interest rates on purchases and cash advances between 20% and 23%. This includes the student credit card.
  • Limited acceptance with Amex cards. The American Express payment processing network is widely known for its limited acceptance. Some of the cards Scotiabank offers run on this network. This may be an issue, especially at Loblaws and Costco stores.

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March 17, 2022
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FAQs about
Scotiabank Credit Cards

Is There a Scotiabank Credit Card Available to Help Me Rebuild My Credit?

Unfortunately, Scotiabank doesn’t offer any secured credit cards.

I Need to Save on Interest. Which Scotiabank Credit Card Should I Get?

Scotiabank offers one low-interest credit card: The Scotiabank Value Visa Card. This card has an interest rate on purchases and cash advances of 12.99%.

It also comes with a welcome offer. You’ll get a 0.99% introductory interest rate on balance transfers for the first six months.

This card has an annual fee of $29. Although it doesn’t earn you any rewards, you can benefit from a car rental discount.

Can I Apply for the Scotiabank Credit Card Online?

Yes, you can apply for a Scotiabank credit card online. Visit their website and find a suitable card for your spending needs. Click the ‘apply now’ button below the credit card description to start your application.

Can I Use My Scene+ Points to Book Travel?

Yes, you can earn and redeem your Scene+ points for your next trip. You’ll use Scotiabank’s third-party service travel centre, Scene+ Travel, to redeem your points. For every 100 points, you’ll receive $1, which can be used for flights, hotels, or car rentals.

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