Banking 101 – Credit Cards

Credit cards can be used to shop, track expenses, pay bills, mange your cashflow and build your credit history. Some can provide travel rewards, cash back on purchases, protection plans and other great perks.

Learn more about the advantages of a Scotiabank credit card.

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Common financial mistakes to avoid in Canada 

Everyone makes mistakes. But planning ahead can help you get around the financial mistakes that would affect your new life in Canada.
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The pros and cons of increasing your credit card limit (and how to do it)

Here's what you need to know about credit limit increases and tips on how to do it.

DID YOU KNOW...

There are now over 76.2 million credit cards in Canada.*

Take the guesswork out of choosing the card that works best for you. Learn more about our different credit cards. External Created with Sketch.
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What does it mean to be pre-approved for a credit card?

Pre-approved credit card offers are tempting, but what does it really mean and how does it affect your credit score?
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Here's how closing your credit card affects your credit score

Learn about the pros and cons of closing your credit cards and how that may affect your credit score.
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What credit score do you need for a credit card?

Things you didn't know you didn't know about your credit score and credit cards.

DID YOU KNOW...

More than 44% of “buy now, pay later” users don’t fully understand the penalties for missed payments, or the impact on their credit score. **

Learn more about credit card installment plans. External Created with Sketch.
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Buy Now, Pay Later plans (BNPL) and Scotia SelectPay Installment plans

Learn how Scotia SelectPay Installment Plan provides a flexible way to pay for planned and unplanned purchases.
See all Credit Card articlesGo to Credit Card articles

Useful tools

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Need help choosing your account?

Answer a few questions about your everyday banking needs and we’ll help you find the best bank account for you.

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Looking for a card that’s right for you?


Take the guesswork out of choosing a credit or debit card. Use our tool to pick the type of reward or benefit that you’re most interested in.

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Switch to Scotia
 

With a Scotiabank account, you can easily switch your pre-authorized bill payments from other banks to Scotiabank using online banking.

Let’s have a conversation

A good financial plan can help you accomplish your short and long-term financial goals. A simple chat with our Scotia advisors will get you on the right track.

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