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Scotiabank Credit Cards: Fees, Rates and Rewards of Each Card

Updated

Scotiabank’s credit cards include the Scene+ cards (the Scotiabank Scene+ Visa, the Passport Visa Infinite, the ScotiaGold Passport Visa, and the Gold, Platinum and Scotiabank American Express cards), the Scotia Momentum cash back cards, the Scotiabank Value Visa and the Scotiabank U.S. Dollar Visa.

What does each Scotiabank credit card cost and earn?

Scotiabank's credit cards, from our verified records
CardAnnual feeEarn rateMinimum incomePurchase rateForeign transaction fee
Scotiabank Gold American Express Card$1206 Scene+ points per $1 at Sobeys, Safeway, IGA, FreshCo and other listed grocers, 5 on other groceries, dining, food delivery and entertainment, 3 on gas, transit and streaming (first $50,000 a year in these categories, Canadian-dollar purchases only), 1 on everything else$12,000 personal21.99%None
Scotia Momentum Visa Infinite+ Card$1204% cash back on groceries and recurring bills and 2% on gas, EV charging, transit, rideshare and food delivery (each group capped at $25,000 of spending a year), 1% on everything else$60,000 to $80,000 personal or $100,000 to $150,000 household (Scotia states ranges)20.99%2.5%
Scotiabank American Express Card$03 Scene+ points per $1 at Sobeys, Safeway, IGA, FreshCo and other Empire grocers and 2 on other groceries, dining, food delivery, entertainment, gas, transit and select streaming (first $50,000 of those purchases a year), 1 on everything else$12,000 personal21.99%2.5%
Scotiabank American Express Card (for students)$03 Scene+ points per $1 at Sobeys, Safeway, IGA, FreshCo and other Empire grocers and 2 on other groceries, dining, food delivery, entertainment, gas, transit and select streaming (first $50,000 of those purchases a year), 1 on everything elseNone stated21.99%2.5%
Scotia Momentum Visa Card$492% cash back on groceries, drugstores, food delivery, gas, EV charging, transit and rideshare, and recurring bills and subscriptions (on the first $25,000 a year in those categories), 1% on everything elseNone stated20.99%2.5%
Scotia Momentum Visa Card (for students)$492% cash back on groceries, drugstores, food delivery, gas, EV charging, transit and rideshare, and recurring bills and subscriptions (on the first $25,000 a year in those categories), 1% on everything elseNone stated20.99%2.5%
Scotiabank Scene+ Visa Card$02 Scene+ points per $1 at Sobeys, Safeway, IGA, FreshCo and other listed grocers, Home Hardware and Cineplex, 1 on everything elseNone stated21.99%2.5%
Scotiabank Scene+ Visa Card (for students)$02 Scene+ points per $1 at Sobeys, Safeway, IGA, FreshCo and other listed grocers, Home Hardware and Cineplex, 1 on everything elseNone stated21.99%2.5%
Scotiabank Platinum American Express Card$3992 Scene+ points per $1 on everything$12,000 personal9.99%None
Scotiabank Passport Visa Infinite+ Card$1503 Scene+ points per $1 at Sobeys-family grocers, 2 on other groceries, dining, entertainment and transit (first $50,000 a calendar year), 1 on everything else$60,000 to $80,000 personal or $100,000 to $150,000 household, or $250,000 to $300,000 in assets (Scotia states ranges)20.99%None
ScotiaGold Passport Visa Card$1101 Scene+ point per $1 on purchasesNone stated19.99%2.5%
Scotia Momentum Mastercard$01% cash back on groceries, gas, drugstores and recurring bills, 0.5% on everything else (no cap; paid yearly in November)None stated20.99%2.5%
Scotia Momentum No-Fee Visa Card$01% cash back on groceries, gas, EV charging, transit and rideshare, food delivery, drugstores and recurring bills (first $15,000 a year), 0.5% on everything elseNone stated20.99%2.5%
Scotia Momentum No-Fee Visa Card (for students)$01% cash back on groceries, gas, EV charging, transit and rideshare, food delivery, drugstores and recurring bills (first $15,000 a year), 0.5% on everything elseNone stated20.99%2.5%
Scotiabank Value Visa Card$29No rewardsNone stated13.99%2.5%
Scotiabank Value Visa Card (for students)$29No rewardsNone stated13.99%2.5%
Scotiabank Passport Visa Infinite Privilege Card$5993 Scene+ points per $1 on travel and transit, 2 on dining and entertainment, 1 on everything else$150,000 personal or $200,000 household (or $400,000 in assets under management)20.99%0%
Scotiabank U.S. Dollar Visa Card$35 USDNo rewardsNone stated19.99%2.5%

Each card’s fact sheet, linked from its name, has the full terms we checked.

How does the Passport Visa Infinite+ compare with the Gold American Express?

Two Scotiabank Scene+ cards, from our verified records
CardAnnual feeEarn rateForeign transaction feeMinimum incomeLounge visits
Scotiabank Gold American Express Card$1206 Scene+ points per $1 at Sobeys, Safeway, IGA, FreshCo and other listed grocers, 5 on other groceries, dining, food delivery and entertainment, 3 on gas, transit and streaming (first $50,000 a year in these categories, Canadian-dollar purchases only), 1 on everything elseNone$12,000 personalNone listed
Scotiabank Passport Visa Infinite+ Card$1503 Scene+ points per $1 at Sobeys-family grocers, 2 on other groceries, dining, entertainment and transit (first $50,000 a calendar year), 1 on everything elseNone$60,000 to $80,000 personal or $100,000 to $150,000 household, or $250,000 to $300,000 in assets (Scotia states ranges)6 passes a membership year

How do Scotiabank’s card families differ?

  • Scene+ cards are the cards Scotiabank lists under Scene+; the Scene+ Visa earns Scene+ points on every purchase, and the Gold American Express on eligible purchases (see our Scene+ hub).
  • Scotia Momentum cards earn cash back.
  • The Scotiabank Value Visa is on Scotiabank’s low interest cards page.

Which Scotiabank card suits your spending?

Enter your monthly card spending to rank Scotiabank's cards by dollars back a year after fees.

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Filters

Ranked by dollars back a year after fees, for your spending. Welcome offers, benefits and promoted cards never change the order.

  1. 1

    Scotiabank Gold American Express Card

    $841a year after fees
    • 96,103 points a year at 1¢ (any travel or portal)
    • Fees $120
    • 2.47% back on spending

    Welcome offerUp to 65,000 bonus Scene+ points (40,000 after $2,000 in 3 months, 25,000 more after $7,500 in 12 months).Ends Jan 3, 2027. Not part of the ranking; confirm on the issuer’s site.

    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Flight delay
    • Baggage
    • Baggage
    • +5 more

    Facts checked Nov 11, 2026 · Card details

  2. 2

    Scotia Momentum Visa Infinite+ Card

    $655a year after fees
    • $775 cash back a year
    • Fees $120
    • 1.99% back on spending

    Welcome offer10% cash back on your first $2,000 in purchases in 3 months (up to $200), a 0% balance transfer rate for 12 months (2% fee), and no annual fee in the first year, including additional cards.Ends Apr 30, 2027. Not part of the ranking; confirm on the issuer’s site.

    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Flight delay
    • Baggage
    • Baggage
    • +4 more

    Facts checked Nov 11, 2026 · Card details

  3. 3

    Scotiabank American Express Card

    $549a year after fees
    • 54,866 points a year at 1¢ (any travel or portal)
    • Fees $0
    • 1.41% back on spending

    Welcome offerUp to 5,000 bonus Scene+ points.Ends Jul 1, 2027. Not part of the ranking; confirm on the issuer’s site.

    • Mobile device
    • Purchase protection
    • Extended warranty

    Facts checked Nov 11, 2026 · Card details

  4. 4

    Scotiabank American Express Card (for students)

    $549a year after fees
    • 54,866 points a year at 1¢ (any travel or portal)
    • Fees $0
    • 1.41% back on spending

    Welcome offerUp to 5,000 bonus Scene+ points.Ends Jul 1, 2027. Not part of the ranking; confirm on the issuer’s site.

    • Mobile device
    • Purchase protection
    • Extended warranty

    Facts checked Nov 12, 2026

  5. 5

    Scotia Momentum Visa Card

    $503a year after fees
    • $552 cash back a year
    • Fees $49
    • 1.42% back on spending

    Welcome offer0.99% introductory rate for 9 months on balance transfers (2% fee).Ends Jan 3, 2027. Not part of the ranking; confirm on the issuer’s site.

    • Purchase protection
    • Extended warranty

    Facts checked Nov 11, 2026 · Card details

  6. 6

    Scotia Momentum Visa Card (for students)

    $503a year after fees
    • $552 cash back a year
    • Fees $49
    • 1.42% back on spending

    Welcome offer0.99% introductory rate for 9 months on balance transfers (2% fee).Ends Jan 3, 2027. Not part of the ranking; confirm on the issuer’s site.

    • Purchase protection
    • Extended warranty

    Facts checked Nov 12, 2026

  7. 7

    Scotiabank Scene+ Visa Card

    $389a year after fees
    • 38,935 points a year at 1¢ (any travel or portal)
    • Fees $0
    • 1.00% back on spending

    Welcome offerUp to 10,000 Scene+ points, and a 0.99% introductory rate for 9 months on balance transfers (2% fee).Ends Apr 30, 2027. Not part of the ranking; confirm on the issuer’s site.

    Facts checked Nov 11, 2026 · Card details

  8. 8

    Scotiabank Scene+ Visa Card (for students)

    $389a year after fees
    • 38,935 points a year at 1¢ (any travel or portal)
    • Fees $0
    • 1.00% back on spending

    Welcome offerUp to 10,000 Scene+ points, and a 0.99% introductory rate for 9 months on balance transfers (2% fee).Ends Apr 30, 2027. Not part of the ranking; confirm on the issuer’s site.

    Facts checked Nov 12, 2026

  9. 9

    Scotiabank Platinum American Express Card

    $380a year after fees
    • 77,870 points a year at 1¢ (any travel or portal)
    • Fees $399
    • 2.00% back on spending

    Welcome offerUp to 80,000 bonus Scene+ points.Ends Jul 1, 2027. Not part of the ranking; confirm on the issuer’s site.

    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Flight delay
    • Baggage
    • Baggage
    • +6 more

    Facts checked Nov 11, 2026 · Card details

  10. 10

    Scotiabank Passport Visa Infinite+ Card

    $370a year after fees
    • 52,045 points a year at 1¢ (any travel or portal)
    • Fees $150
    • 1.34% back on spending

    Welcome offerUp to 35,000 bonus Scene+ points.Ends Jan 3, 2027. Not part of the ranking; confirm on the issuer’s site.

    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Flight delay
    • Baggage
    • Baggage
    • +5 more

    Facts checked Nov 11, 2026 · Card details

  11. 11

    ScotiaGold Passport Visa Card

    $279a year after fees
    • 38,935 points a year at 1¢ (any travel or portal)
    • Fees $110
    • 1.00% back on spending

    Welcome offerUp to 10,000 bonus Scene+ points after $2,000 in 3 months, and no annual fee for the first year (primary and additional cards).No end date stated · checked Nov 12, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Travel medical
    • Rental car
    • Baggage
    • Baggage
    • Purchase protection
    • Extended warranty
    • +1 more

    Facts checked Nov 12, 2026

  12. 12

    Scotia Momentum Mastercard

    $273a year after fees
    • $273 cash back a year
    • Fees $0
    • 0.70% back on spending

    Welcome offer7.99% introductory rate on purchases for the first 6 months.Ends Nov 1, 2027. Not part of the ranking; confirm on the issuer’s site.

    Facts checked Nov 11, 2026 · Card details

  13. 13

    Scotia Momentum No-Fee Visa Card

    $270a year after fees
    • $270 cash back a year
    • Fees $0
    • 0.69% back on spending

    Welcome offer5% cash back on your first $2,000 in purchases in the first 3 months (up to $100), and 0.99% on balance transfers for 9 months (2% fee).Ends Apr 30, 2027. Not part of the ranking; confirm on the issuer’s site.

    Facts checked Nov 11, 2026 · Card details

  14. 14

    Scotia Momentum No-Fee Visa Card (for students)

    $270a year after fees
    • $270 cash back a year
    • Fees $0
    • 0.69% back on spending

    Welcome offer5% cash back on your first $2,000 in purchases in the first 3 months (up to $100), and 0.99% on balance transfers for 9 months (2% fee).Ends Apr 30, 2027. Not part of the ranking; confirm on the issuer’s site.

    Facts checked Nov 12, 2026

  15. 15

    Scotiabank Value Visa Card

    -$29a year after fees
    • Fees $29

    Welcome offer0% introductory rate for 9 months on balance transfers (1% fee), and no annual fee for the first year.Ends Jan 3, 2027. Not part of the ranking; confirm on the issuer’s site.

    Facts checked Nov 11, 2026 · Card details

  16. 16

    Scotiabank Value Visa Card (for students)

    -$29a year after fees
    • Fees $29

    Welcome offer0% introductory rate for 9 months on balance transfers (1% fee), and no annual fee for the first year.Ends Jan 3, 2027. Not part of the ranking; confirm on the issuer’s site.

    Facts checked Nov 12, 2026

  17. 17

    Scotiabank Passport Visa Infinite Privilege Card

    -$95a year after fees
    • 50,439 points a year at 1¢ (any travel or portal)
    • Fees $599
    • 1.30% back on spending

    Welcome offerUp to 80,000 bonus Scene+ points.Ends Jan 3, 2027. Not part of the ranking; confirm on the issuer’s site.

    • Lounge passes
    • Annual credit
    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Flight delay
    • +7 more

    Facts checked Nov 11, 2026 · Card details

  18. Scotiabank U.S. Dollar Visa Card

    Not compared here: billed in USD: not comparable on Canadian-dollar spending.

    Facts checked Nov 12, 2026 · Card details

Does a Scotiabank chequing package rebate the annual fee?

With the Ultimate Package, Scotiabank rebates up to $150 of the annual fee on one eligible card held as the primary cardholder, each year. The eligible cards are the Gold American Express, Passport Visa Infinite+, Passport Visa Infinite Privilege, Momentum Visa Infinite+ and Value Visa.

Since June 22, 2026, the Preferred Package rebates $40 a year on the Gold American Express, Passport Visa Infinite+ or Momentum Visa Infinite+, when the card had at least $15,000 in qualifying purchases in the prior 12 monthly statement periods, and not on the first-year fee. The Preferred Package for Students and Youth has a rebate of the same amount. An Ultimate or Preferred Package account gets one rebate, and it cannot be combined with another annual fee rebate or waiver.

How do Scotiabank cardholders activate and manage their card?

A card can be activated online, and only the primary cardholder can activate it. Scotia OnLine and Mobile Banking show the credit card account, and supplementary cards can be ordered.

Compare Scotiabank's cards with all 162 cards we've checked, from 24 banks, in the card finder

Sources

The figures and rules on this page come from these sources. About CardNorth.