The cash back card with the most awards in 2023.

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 Plus, 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
  • Interested in building your credit history by making 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 not to pay an annual fee

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 2.99% 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

No annual fee and cash back on everyday purchases

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 (2% fee per cash advance, 22.99% after that; annual fee $0).2

Learn more
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