Do you have larger borrowing needs?

To pick an additional borrowing solution, select the option below. 

If not, please apply for your new card either online or via an appointment in a branch.

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Ready to apply? It's fast and easy

Book an appointment

Meet with a Scotiabank advisor in person at the branch closest to you.

By phone

Mon-Fri (9am-8pm) 

Tel.: 1-888-882-8958 

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Get up to 2% cash back on eligible gas station, grocery store, drug store purchases and recurring payments.1

Get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).2

Is this Credit Card right for you?

Right for you if you:

  • Want to obtain a convenient and secure payment method for everyday purchases, that can also help you to build your credit history if you make at least your minimum payments on time each month
  • Want an interest free grace period on purchases
  • Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee

May not be right for you if you:

  • Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
  • Prefer other types of rewards available with our other Cards

Fee & Rates

Transfer

Annual Fee3

$39/year
Chart

Interest Rates3

19.99% on purchases
22.99% on cash advances
Move money

Minimum credit limit

$500
Request money

Supplementary Card3

$15/year

Additional Benefits

  • 2% Cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.1 Plus earn 1% cash back on all other eligible purchases.1
  • Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the U.S.4
  • Consolidate all your eligible recurring payments on your card and turn them into cash back rewards!
  • Scotia SelectPayTM. A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.11 Learn more.
  • Optional Scotia Credit Card Protection insurance. Coverage to help you and your family stay financially on track through unexpected events.10

You may also like these options

Scotia  Momentum®  No-Fee Visa

Main features and perks

Get up to 1% cash back on eligible purchases with no annual fee.1

Special offer

Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).2 Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).2

Learn more

Scotia Momentum® Mastercard®* Credit Card

Main features and perks

Earn 1% cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.1

Special offer

7.99% introductory interest rate on purchases for the first 6 months (20.99% after that; annual fee $0).2

Learn more

Scotiabank Rewards Comparison

Select the type of reward or benefit you're interested in and take the guesswork out of choosing a card.

Meet with a Scotiabank advisor

Book a meeting with a Scotiabank advisor today and start the conversation.

Other credit card solutions that might interest you 

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