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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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Book an appointment

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

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Mon-Fri (9am-8pm) 

Tel.: 1-888-882-8958 

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By proceeding to view all other options you acknowledge and accept that the other options are outside of our recommendations and that they may not be appropriate for your particular needs.

The cash back card with the most awards in 2022.

Plus, comprehensive Travel Insurance and New Mobile Device Insurance.7

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1 No annual fee in the first year, including on additional cards.1

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
  • Meet a minimum annual income of $60,000 or a minimum household income of $100,000 or minimum assets under management of $250,000

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 Fee6

$120/year
Chart

Interest Rates6

20.99% on purchases
22.99% on cash advances
Move money

Minimum credit limit

$5,000
Request money

Supplementary Card6

$50/year each

Additional Benefits

  • Earn 4% for every $1 you spend on eligible grocery store purchases, recurring bill payments, and subscription purchases.2 Earn 2% for every $1 you spend on eligible gas purchases and daily transit purchases.4 Earn 1% cash back on all other purchases with no cash back limit.5
  • Charge at least 75% of your trip costs to your card and get trip cancellation and trip interruption insurance at no extra cost.7
  • Protect your new cell phones, smartphones, or tablets purchased using your Card on or after August 1, 2019.7
  • 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.§ Learn more.
  • Optional Scotia Credit Card Protection insurance. Coverage to help you and your family stay financially on track through unexpected events.10
  • How to qualify : You must have a minimum annual income of $60,000 or a minimum household income of $100,000 or a minimum assets under management of $250,000.

You may also like these options

Scotia Momentum® Visa* Card

Main features and perks

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

Special offer

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

Learn more

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

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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