Credit card calculators and tools

Our tools can help you discover the Scotiabank credit card rewards or benefits that suit you best, manage your personal loans, and budget for the future.

Make the most of your card

Whether you love to travel, earn cash back or Scene+ points on everyday purchases, or save on interest, we’ll find the right card for you.


Credit card rewards calculator

Our rewards calculator helps you understand the benefits of the rewards associated with each of Scotiabank’s credit cards, whether you choose a card that earns Scene+™ points or one that earns cash back.

Looking to save on interest?

Find out how much you could save in your first year with our low interest rate credit card.


Explore Scotiabank American Express Credit Cards

Compare travel benefits, insurance coverage, and special offers, to find the card that’s right for you.

Explore other tools and calculators

Whether you need to find your ideal credit option, manage a personal loan, or budget expenses, these tools can help.

Choose the right borrowing solution for you

Tell us about your spending and borrowing needs and we’ll help you find the solution appropriate for you.

Personal loan calculator

Calculate your loan details and find the payment option that works for you.


Money finder calculator

Compare your income to your expenses and see where you could be saving.

Frequently asked credit card questions

Manage your credit card


Scotia credit card protection (SCCP)

Plan today for a secure tomorrow. SCCP1 can pay off your outstanding account balance or help cover credit card payments if you experience certain unexpected events.

Learn more about SCCP

Scotia SelectPayTM

Turn your credit card purchases into small payments. This new, flexible option lets you pay off eligible Scotiabank Visa credit card purchases of $100 or more, with no interest rate and a low fee.

Discover SelectPay

Explore related Advice+ articles

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The pros and cons of increasing your credit limit (and how to do it)

What to consider before applying for a credit limit increase.

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Buy now pay later plans (BNPL) and Scotia SelectPay™* Installment plans

Scotia SelectPayTM* plans provide a flexible way to pay for your eligible credit card purchases during checkout or after purchase.2

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How to make the most of the Scene+™ program

Whether it’s points toward travel, your next takeout order, or a movie, we all love earning good rewards.

Contact us

Contact a Scotia advisor 

Connect with an advisor about your today and trust them with your tomorrow. 


Check out our FAQs, or phone:

Scotiabank credit card centre: 1-800-387-6466

Scene+ customer service: 1-866-586-2805