https://cardnorth.ca/credit-cards/scotiabank/Recent content in Scotiabank Credit Cards: Fees, Rates and Rewards of Each Card on CardNorthHugo -- gohugo.ioen-caThu, 12 Nov 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/scotiabank/scotiabank-us-dollar-visa/Thu, 12 Nov 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/scotiabank/scotiabank-us-dollar-visa/Purchases in other currencies Purchases in U.S. dollars carry no foreign currency conversion fee. Transactions in any other currency, Canadian dollars included, are still charged the card’s foreign currency conversion fee. Rental car cover with a second Scotiabank card If you also hold a Scotiabank Passport Visa Infinite, Scotia Momentum Visa Infinite, ScotiaGold Passport Visa, Scotiabank Gold American Express or Scotiabank Platinum American Express card, you get rental car collision and loss damage cover.https://cardnorth.ca/credit-cards/scotiabank/scotiabank-momentum-mastercard/Thu, 11 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/scotiabank/scotiabank-momentum-mastercard/How cash back is paid out Cash back builds up each month and is paid once a year as a credit on your November statement. Requests for early payment are not considered. If the account is closed before the November statement is issued, for any reason, all cash back earned up to then is forfeited. The account also has to be open and in good standing when the November statement is issued.https://cardnorth.ca/credit-cards/scotiabank/scotiabank-momentum-visa/Thu, 11 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/scotiabank/scotiabank-momentum-visa/How cash back is redeemed Each redemption must be at least $25, made through the Scotia app or Scotia Online. You choose a deposit to an eligible Scotiabank chequing or savings account or a credit to your card account. Only the primary borrower or a co-borrower can redeem, not a supplementary cardholder. Cash back doesn’t expire while the account is open and in good standing. If the account closes in good standing, you have 90 days to redeem the balance by phone.https://cardnorth.ca/credit-cards/scotiabank/scotiabank-passport-visa-infinite-privilege/Thu, 11 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/scotiabank/scotiabank-passport-visa-infinite-privilege/What counts as travel The travel rate applies at merchants Visa classifies in its “Travel” category. That includes commuter transit, ferries, trains, taxis, cruises, travel agencies and tolls. Merchants whose primary business is elsewhere don’t qualify. Scene+ awards an extra 3 points per $1 on hotels and car rentals booked through Scene+ Travel, Powered by Expedia, regardless of the payment method used. Yearly travel credit The primary cardholder gets a $250 travel credit once in each annual period of the account.https://cardnorth.ca/credit-cards/scotiabank/scotiabank-american-express-card/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/scotiabank/scotiabank-american-express-card/Which grocers earn the top rate The 3-point rate applies at these stores: Chalo! FreshCo, Co-Op, Foodland, FreshCo, IGA, IGA West, Les Marchés Tradition, Rachelle Béry, Safeway, Sobeys, Thrifty Foods, and Voilà by IGA, Safeway or Sobeys. Scotiabank can change this list without notice. Other grocery stores earn the 2-point rate. What counts for the bonus categories For the 2-point rate, Amex has to code the store as grocery, gas, dining, transit, entertainment or streaming service.https://cardnorth.ca/credit-cards/scotiabank/scotiabank-gold-american-express/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/scotiabank/scotiabank-gold-american-express/Grocers at the top rate The 6 point rate applies at Sobeys, IGA, Safeway, Foodland, FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op locations, and at the Voilà by Sobeys, Voilà by IGA, Voilà by Safeway and Chalo! FreshCo stores. Scotiabank may change this list without notice. Other grocery stores earn 5 points per dollar. Purchases at merchants whose primary business isn’t one of the bonus categories don’t qualify.https://cardnorth.ca/credit-cards/scotiabank/scotiabank-momentum-no-fee-visa/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/scotiabank/scotiabank-momentum-no-fee-visa/How cash back is redeemed Cash back isn’t paid out once a year: you redeem it at any time once you have $25, through the Scotia mobile app or online banking. Each redemption must be at least $25. You can have it credited to your card account or deposited into a Scotiabank chequing or savings account. Only the primary cardholder or a co-borrower can redeem, not a supplementary cardholder. Cash back never expires while the account is open and in good standing.https://cardnorth.ca/credit-cards/scotiabank/scotiabank-momentum-visa-infinite/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/scotiabank/scotiabank-momentum-visa-infinite/How cash back is redeemed You can redeem cash back at any time through the Scotia app or online banking, a minimum of $25 each time. You choose a deposit to a Scotiabank chequing or savings account or a credit to your card account. Supplementary cardholders can’t redeem. Cash back doesn’t expire while the account is open and in good standing. Limits on the higher rates The 4% and 2% rates each apply to up to $25,000 of spending a year, counted separately.https://cardnorth.ca/credit-cards/scotiabank/scotiabank-passport-visa-infinite/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/scotiabank/scotiabank-passport-visa-infinite/Limit on the higher rates The 3 and 2 point rates apply to the first $50,000 of purchases a year in their categories, counted from January 1 to December 31. After that, purchases earn 1 point per $1. Yearly spend bonus You earn 10,000 bonus Scene+ points once you make $40,000 of eligible purchases in a year, and 2,000 more for every further $10,000 that year. The year starts on the account open date.https://cardnorth.ca/credit-cards/scotiabank/scotiabank-platinum-american-express/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/scotiabank/scotiabank-platinum-american-express/Keeping the preferred rates Scotiabank calls the 9.99% rates on purchases and cash advances its preferred rates. To keep them, you must repay the account according to its terms; otherwise the standard rates apply. The higher standard rates stay until you have made the minimum payment by the due date continuously for the period set out in your Disclosure Statement. Priority Pass visits Primary and supplementary cardholders each get a complimentary Priority Pass membership.https://cardnorth.ca/credit-cards/scotiabank/scotiabank-scene-plus-visa/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/scotiabank/scotiabank-scene-plus-visa/Stores at the bonus rate At grocers, the bonus rate covers Sobeys, Safeway, participating IGA, FreshCo, Thrifty Foods, Voilà and the other listed banners, and Scotiabank can change that list without notice. At Home Hardware it covers Home Hardware, Home Building Centre and Home Hardware Building Centre stores in Canada and homehardware.ca. At Cineplex it covers the theatres, the Cineplex app and cineplex.com. Cash advances, balance transfers, fees, interest and refunds earn no points.https://cardnorth.ca/credit-cards/scotiabank/scotiabank-value-visa/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/scotiabank/scotiabank-value-visa/How the rates apply Scotiabank charges balance transfers and cash-like transactions at the card’s cash advance rate. The 13.99% rates are the account’s preferred rates. If the account isn’t repaid according to its terms, the standard rates apply instead, currently 24.99% on purchases and 27.99% on cash advances, for a period set out in the card’s Disclosure Statement. Annual fee rebate The Value Visa is one of the eligible cards for the Scotiabank Ultimate Package annual fee rebate, which pays up to $150 a year on one eligible card held as the primary cardholder, enough to cover the $29 annual fee.