Scotiabank Rewards® Visa* Card

Scotiabank Rewards
Scotiabank Rewards

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Earn Scotia Rewards points

One point for every $2 you spend

Apply online
New to Canada?
Choose a card created for newcomers.
No credit history needed.
  • Earn travel rewards
    One Scotia Rewards® point for every $2 spent on everyday purchases1
  • Full Service Travel Agency
    Book online or call to make all your travel plans2
  • Flexible Point Redemption
    Purchase travel on your card from any travel provider, then call or go online to redeem your points for the travel purchase3
  • Travel benefits
    Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages
  • Merchandise and other rewards
    Redeem points for Scotia Investment or Credit dollars, gift cards and merchandise
  • Eligible for Apple Pay

Important Changes to our Scotia Rewards program:
Effective November 7, 2016, there will be changes to some of our Scotia Rewards terms and conditions. Please review full details of those upcoming Program changes.

At a Glance

Earn Scotia Rewards points - One point for every $2 you spend1


Annual Fee

Flexible travel rewards

Travel Benefits

Earn travel rewards with no annual fee!

Earn travel rewards then use your Scotia Rewards points to book any type of travel you want, including flights, hotels, holiday packages, cruises and more with no restrictions!

Scotia Rewards® points
Earn one point for every $2 you spend on everyday purchases.1


Purchase travel online or over the phone through our full-service travel agency. Or you can choose to book your own travel using your Scotiabank Rewards VISA card, then call or go online to redeem points for the purchase.

Flexible Point Redemption

  • 1. Use your points: If you've earned all the points you need, redeem them for your complete trip – including taxes and surcharges.
  • 2. Use your Card: You can always use your card to cover the full amount of your travel. And you'll earn rewards points for every dollar you charge.
  • 3. Combine points and payment: Short a few points? Want to save some for later? You can pay for your travel with a combination of accumulated points and a charge to your card.

Scotia Rewards® Program and Travel Privileges

Global Hotel discount

Receive up to 20% off the lowest published offer at over 18,000 hotels worldwide, plus enjoy special amenities and preferred pricing

Upgrades and perks on cruises

Enjoy more on every cruise with offers and benefits ranging from shipboard credits, to upgrades, shore excursions, specialty dining experiences, reduced deposits

Car Rental
Receive up to 25% off qualifying rentals with 131 companies worldwide

Vacation Packages:
Get low rates, special amenities & discounts on select packages at resorts worldwide

For a look at just some of the travel experiences available visit

Rates & Fees

Minimum Credit Limit: $500

Interest-Free Grace Period: At least 21 days5

Annual Fee: $0

Interest Rate:

  • 19.99% on purchases
  • 22.99% on cash advances, balance transfers and Scotia® Credit Card Cheques

For current rates and information on fees and interest cost, call 1-888-882-8958.

Scotia® Credit Card Cheques & Instant Cash Advances

Scotia Credit Card Cheques4

  • Transfer balances from gas and retail cards that charge higher interest rates.
  • Pay for a large purchase, insurance premiums, medical bills, or utility bills.

Obtain cash advances at:

  • Over 1 million ABMs around the world displaying the VISA/PLUS symbols.
  • Over 55,000 ABMs displaying the INTERAC symbol in Canada, including Scotiabank ABMs.
  • Or, access your Scotiabank Rewards VISA account with your ScotiaCard when you link the two together

Easy Access

When you link your Scotiabank Rewards VISA account to your ScotiaCard® you can use TeleScotia® Telephone Banking and Scotia OnLine® Financial Services for VISA account information.

Scotia Credit Card Protection (optional)7

Notice: Important Changes to Scotia Credit Card Protection effective December 12, 2016
Please review notice of Changes.

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 5% of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness++, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $20,000.

This comprehensive coverage is available at a monthly premium rate of only $0.95 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast! If you are a resident of Canada, and are at least 18 and under 65 years of age, simply indicate below that you would like to enroll.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

Recently moved to Canada? Apply for a credit card designed for newcomers.

It's hard to get a credit card without a Canadian credit history. But the Scotiabank StartRight ® Program± for Newcomers can help. It's a special program designed to meet the needs of newcomers to Canada. With the StartRight Program, you can be approved for a credit card – even without a Canadian credit history. Once you have a credit card you can:

  • Make purchases online or by phone.
  • Earn rewards like cash back, free movies or travel points.
  • Build your Canadian credit history and credit score, so you can build the future you want in Canada.

Use the link below to apply for your credit card through the Scotiabank StartRight Program today.

Apply now

Ready to Apply

  • Online 3 easy steps, only 5 minutes 100% safe and secure Apply online
  • PhoneCall the Scotiabank Credit Card Centre1(800)747-3208Mon to Thurs 9am - 11pm
    Friday 9am - 10pm
    Sat 10am - 6pm
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