Best Scotiabank credit cards
Scotiabank credit cards ranked by what each one is worth for your spending, after fees.
Card details updated November 10, 2026 How we rank
What’s in each?
- Light:
- Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical:
- Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big:
- Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
- Yours:
- Your own amounts, saved on this device only
Not sure which kind of card you need? Help me choose
17 Scotiabank credit cards, ranked for you
Ranked by value in year one at $2,500 a month, after fees. How we rank
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Ranked 1. Scotiabank Gold American Express® Card
Scotiabank · American Express Expert Score 8.8 out of 10. Excellent
Worth in year one $1,825Then each year $1,0556% back on groceries, 1% back on everything else
- Welcome offer
- $650 you’d get The full offer. Up to 65,000 Scene+ points.
- Annual fee
- $0 first year Then $120 a year
Needs $12,000 personal income
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Read the full review: Scotiabank Gold American Express® Card
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Ranked 2. Scotiabank Platinum American Express® card
Scotiabank · American Express Expert Score 8.0 out of 10. Very good
Worth in year one $1,206Then each year $5065% back on hotels, 2% back on everything else
- Welcome offer
- $700 you’d get All of year one’s offer. Up to 80,000 Scene+ points.
- Annual fee
- $399 a year
Needs $12,000 personal income
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Read the full review: Scotiabank Platinum American Express® card
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Ranked 3. Scotiabank Passport™ Visa Infinite+ Card
Scotiabank · Visa Expert Score 8.4 out of 10. Very good
Worth in year one $1,117Then each year $6174% back on hotels, 1% back on everything else
- Welcome offer
- $350 you’d get All of year one’s offer. Up to 45,000 Scene+ points.
- Annual fee
- $0 first year Then $150 a year
Needs $60,000 personal income
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Read the full review: Scotiabank Passport™ Visa Infinite+ Card
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Ranked 4. Scotia Momentum® Visa Infinite+ Card
Scotiabank · Visa Expert Score 8.5 out of 10. Excellent
Worth in year one $878Then each year $7584% back on groceries and recurring bills, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 first year Then $120 a year
Needs $60,000 personal or $100,000 household income
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Best welcome offers right now
What you’d actually get at $2,500 a month.
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Scotiabank Platinum American Express® card
$700 you’d get
Up to 80,000 Scene+ points.
All of year one’s offer at your spending
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Scotiabank Gold American Express® Card
$650 you’d get
Up to 65,000 Scene+ points.
The full offer at your spending
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Scotiabank Passport® Visa Infinite Privilege Card
$400 you’d get
Up to 80,000 Scene+ points.
$400 of a $700 offer at your spending
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Scotiabank Passport™ Visa Infinite+ Card
$350 you’d get
Up to 45,000 Scene+ points.
All of year one’s offer at your spending
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Scotiabank Passport™ Visa Infinite Business Card
$300 you’d get
Up to 40,000 Scene+ points.
$300 of a $400 offer at your spending
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SCENE Visa Card for Students
$100 you’d get
Up to 10,000 Scene+ points.
The full offer at your spending
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Ranked 5. Scotiabank Passport™ Visa Infinite Business Card
Scotiabank · Visa Expert Score 8.1 out of 10. Very good
Worth in year one $796Then each year $4961.5% back on everything
- Welcome offer
- $300 you’d get Part of a $400 offer. Up to 40,000 Scene+ points.
- Annual fee
- $199 a year
Needs $60,000 personal or $100,000 household income
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Read the full review: Scotiabank Passport™ Visa Infinite Business Card
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Ranked 6. Scotiabank American Express® Card
Scotiabank · American Express Expert Score 7.9 out of 10. Good
Worth in year one $617Then each year $5674% back on hotels, 1% back on everything else
- Welcome offer
- $50 you’d get The full offer. Up to 5,000 Scene+ points.
- Annual fee
- $0 No annual fee
Needs $12,000 personal income
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Ranked 7. Scotia Momentum for business Visa
Scotiabank · Visa Expert Score 7.6 out of 10. Good
Worth in year one $511Then each year $5113% back on gas, restaurants and recurring bills, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $79 a year
Income rule not listed
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Ranked 8. Scotiabank Passport® Visa Infinite Privilege Card
Scotiabank · Visa
Worth in year one $472Then each year $726% back on hotels, 1% back on everything else
- Welcome offer
- $400 you’d get Part of a $700 offer. Up to 80,000 Scene+ points.
- Annual fee
- $599 a year
Needs $150,000 personal or $200,000 household income
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Read the full review: Scotiabank Passport® Visa Infinite Privilege Card
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Ranked 9. Scotiabank® Scene+™ Visa Card
Scotiabank · Visa Expert Score 8.1 out of 10. Very good
Worth in year one $451Then each year $3514% back on hotels, 1% back on everything else
- Welcome offer
- $100 you’d get The full offer. Up to 10,000 Scene+ points.
- Annual fee
- $0 No annual fee
Needs $12,000 personal income
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Ranked 10. SCENE Visa Card for Students
Scotiabank · Visa
Worth in year one $451Then each year $3514% back on hotels, 1% back on everything else
- Welcome offer
- $100 you’d get The full offer. Up to 10,000 Scene+ points.
- Annual fee
- $0 No annual fee
Needs $12,000 personal income
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Ranked 11. Scotia Momentum® Visa Card
Scotiabank · Visa Expert Score 7.7 out of 10. Good
Worth in year one $362Then each year $3622% back on groceries, food delivery and pharmacy, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $49 a year
Needs $12,000 personal income
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Ranked 12. Scotia Momentum® Mastercard® Credit Card
Scotiabank · Mastercard Expert Score 7.3 out of 10. Good
Worth in year one $183Then each year $1831% back on groceries, gas and recurring bills, 0.5% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Needs $12,000 personal income
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Read the full review: Scotia Momentum® Mastercard® Credit Card
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Ranked 13. Scotia Momentum® No-Fee VISA Card
Scotiabank · Visa Expert Score 7.9 out of 10. Good
Worth in year one $180Then each year $1801% back on groceries, food delivery and pharmacy, 0.5% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Needs $12,000 personal income
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Ranked 14. Scotia® Home Hardware PRO Visa* Business Card
Scotiabank · Visa
Earned in year one 15,000 pointsThen each year 0 points1 point per $1 on home improvement
- Welcome offer
- 15,000 points you’d get The full offer. Up to 15,000 points.
- Annual fee
- $0 No annual fee
Income rule not listed
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Read the full review: Scotia® Home Hardware PRO Visa* Business Card
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Ranked 15. Scotiabank Value® Visa Card
Scotiabank · Visa Expert Score 8.4 out of 10. Very good
Earns no rewards Built for a lower interest rate: 13.99% on purchases. See it ranked under Low interest
- Annual fee
- $0 first year Then $29 a year
Needs $12,000 personal income
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Ranked 16. Scotiabank® U.S. Dollar VISA Card
Scotiabank · Visa Expert Score 7.6 out of 10. Good
Earns no rewards Built for a lower interest rate: 19.99% on purchases. See it ranked under Low interest
- Annual fee
- US$35 a year
Needs $12,000 personal income
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Ranked 17. We Financial™ Visa Prepaid
Scotiabank · Visa
Earns no rewards
- Annual fee
- $59.40 a year
Closed to new applicants
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Showing 17 of 17 cards
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Your spending a month
Your balance
How we rank cards
The list is math only: one set of rules, worked out for the choices you made.
What Year one and Every year mean
Year one is what a card is worth in its first year at your spending: the rewards it earns, plus any welcome offer your spending would reach, minus the first year’s annual fee.
Every year after leaves out the welcome offer and takes off the full annual fee, so a big offer can’t hide a weak earn rate.
We rank by the one you pick. When two cards come out the same, the one with the higher score goes first. Values are estimates, rounded to the dollar.
What’s in each spending choice
Each choice is an example month of spending, split across the kinds of spending cards reward differently. Pick the one closest to yours.
- Light, $1,000 a month: Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical, $2,500 a month: Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big, $5,000 a month: Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
How we value points
Each points program gets one value per point, taken from the program’s own valuation. Cards in the same program use the same value, so two cards that earn the same points are judged the same way.
- Aeroplan: 2 cents a point
- American Express Membership Rewards: 1.7 cents a point
- BMO Rewards: 0.67 cents a point
- British Airways Club: 2 cents a point
- Cathay Asia Miles: 1.5 cents a point
- CIBC Aventura: 1 cents a point
- Desjardins BONUSDOLLARS: 100 cents a point
- Flying Blue: 1.9 cents a point
- Marriott Bonvoy: 0.8 cents a point
- moi Rewards: 0.8 cents a point
- More Rewards: 0.2 cents a point
- National Bank a la carte Rewards: 0.9 cents a point
- PC Optimum: 0.1 cents a point
- RBC Avion: 1.7 cents a point
- Scene+: 1 cents a point
- TD Rewards: 0.5 cents a point
- Triangle Rewards: 100 cents a point
- United MileagePlus: 1.6 cents a point
- VIPorter: 1.5 cents a point
- WestJet Rewards: 1 cents a point
A card whose points we can’t value yet shows its points and sorts after the cards we can value.
What Low interest adds up
Low interest ranks by what a year of carrying a balance would cost: interest at the card’s purchase rate, plus the annual fee. It assumes the balance stays the same all year and leaves out rewards and welcome offers.
A balance transfer offer shows on the card when it has one, but it doesn’t change the order.
Does pay change the order?
No. The order comes only from the math above. We get paid when you apply through some links, and a bank can pay to show a card in a spot marked Sponsored. Pay never moves a card in the ranked list or changes its score.
Help me choose
Four quick questions, then a list that fits. Your answers only set the list. We don’t keep them.
Show the questions as a form
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Cards by network
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. Values are estimates for the spending you picked, rounded to the nearest dollar.
Spot something wrong? We’ll check it with the bank. Suggest a correction