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Scotiabank

Scotiabank credit cards deliver serious value if you pick the right one for your lifestyle. The Gold Amex dominates with 6x Scene+ points at Sobeys and zero foreign transaction fees, while the Momentum Visa Infinite offers straightforward 4% cashback on groceries and bills. Whether you're chasing Scene+ points for travel, want simple cashback, or need those Passport Visa lounge passes, we break down which Scotia cards actually earn their keep versus which ones are just riding on the bank's name – because having a Big Six bank account doesn't mean you should settle for mediocre rewards.

 Momentum Visa Infinite Card
Scotiabank

Momentum Visa Infinite Card

8.7 / 10
  • Annual Fee$0 annual fee for the first year ($120 thereafter)
  • Purchase APR20.99%
  • RewardsUp to 4% cash back
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Gold American Express Card
Scotiabank

Gold American Express Card

8.1 / 10
  • Annual Fee$0 annual fee for the first year ($120 thereafter)
  • Purchase APR20.99%
  • RewardsUp to 6x points per $1 spent
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Passport Visa Infinite Card
Scotiabank

Passport Visa Infinite Card

7.9 / 10
  • Annual Fee$150
  • Purchase APR20.99%
  • RewardsUp to 3x points per $1 spent
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 Value Visa Card
Scotiabank

Value Visa Card

7.3 / 10
  • Annual Fee$0 annual fee for the first year ($29 thereafter)
  • Purchase APR13.99%
  • RewardsN/A
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Momentum Visa
Scotiabank

Momentum Visa

7.2 / 10
  • Annual Fee$39
  • Purchase APR19.99%
  • RewardsUp to 2% cash back
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SCENE+ Visa Card
Scotiabank

SCENE+ Visa Card

6.8 / 10
  • Annual Fee$0
  • Purchase APR20.99%
  • RewardsUp to 2x points per $1 spent
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Momentum No-Fee Visa Card
Scotiabank

Momentum No-Fee Visa Card

6.1 / 10
  • Annual Fee$0
  • Purchase APR19.99%
  • Rewards1% cash back
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