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Best Scotiabank Credit Cards

Scotiabank has 4 credit cards in our database. The highest-rated is the Scotiabank Gold American Express Card (4.7/5), with a $120 annual fee.

Scotiabank's Scene+ credit cards offer excellent value for movie lovers, grocery shoppers, and travellers with no foreign transaction fees.

Last updated October 9, 2026Source: Scotiabank Gold American Express Card issuer page

Key facts

Annual fee
$120
Purchase interest rate
21.99%
Cash advance rate
22.99%
Earn rates
6 Scene+ points per $1 on Sobeys, Safeway, FreshCo, Foodland & more; 5 Scene+ points per $1 on Dining, food delivery, food subscriptions, other eligible grocery; 5 Scene+ points per $1 on Entertainment; 3 Scene+ points per $1 on Gas, transit (rideshare, bus, taxi, subway); 3 Scene+ points per $1 on Streaming; Up to 4 Scene+ points per $1 on Travel (1 + up to 3 extra via Scene+ Travel); 1 Scene+ point per $1 on All other purchases
Welcome offer
50,000 Scene+ points
Foreign transaction fee
None
Income requirement
$12,000

Which card earns me the most?

Enter monthly spend by category. We rank cards by estimated net annual value from the earn rates in our data.

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Showing 4 Scotiabank credit cards

Annual Fee$120

Welcome bonus: 50,000 Scene+ points

Annual Fee$120

Welcome bonus: Up to $300 cash back + fee waiver

Annual Fee$150

Welcome bonus: Up to $1,250 first year value

Annual Fee$0

Welcome bonus: Up to $100 cash back

Frequently asked questions

What is the best Scotiabank credit card?

Scotiabank has 4 credit cards in our database. The highest-rated is the Scotiabank Gold American Express Card (4.7/5), with a $120 annual fee.

Does Scotiabank offer a no-annual-fee credit card?

Yes. Scotia Momentum No-Fee Visa Card has no annual fee in our data.

What income do you need for an Scotiabank credit card?

Listed personal income requirements start at $12,000. Some cards also list a household income alternative.