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Credit Card Interest Rates

View rate information for our family of credit cards
Card Purchase Interest Rate† Cash Advance Rate†
Scotiabank† Platinum American Express® Card
19.99%
22.99%
Scotiabank† Gold American Express® Card 19.99% 22.99%
Scotiabank† American Express® Card 19.99% 22.99%
Scotia Momentum® VISA Infinite Card
20.99%
22.99%
Scotia Momentum® VISA Card 19.99% 22.99%
Scotia Momentum® No-Fee VISA Card 19.99% 22.99%
Scotiabank Value VISA Card 12.99% 12.99%
No-Fee Scotiabank Value VISA Card 16.99%1 16.99%1
ScotiaGold Passport VISA Card 19.99% 22.99%
No-Fee ScotiaGold VISA Card 19.99% 22.99%
Scotiabank Passport™ Visa Infinite* Card 19.99% 22.99%
Scotiabank† Rewards VISA* Card 19.99% 22.99%
SCENE VISA Card 19.99% 22.99%
L'earn™ Visa Card 19.99% 22.99%
Scotiabank Passport™ Visa Infinite Business* Card
19.99% 22.99%
SCENE VISA Card – Student 19.99% 22.99%
Scotia Momentum® for business VISA* Card 19.99% 22.99%
Scotiabank® GM®* Visa* Business Card 19.99% 22.99%
ScotiaGold Passport for business VISA Card 19.99% 22.99%
Scotia Momentum® Mastercard®* Credit Card
19.99%2
22.99%
Scotiabank® GM®* Visa Infinite* Card
19.99%
22.99%
Scotiabank® GM®* VISA* Card
19.99%
22.99%
Scotiabank® U.S. Dollar VISA* Card
19.99%
22.99%
1
Effective April 1, 2021 the preferred annual interest rate on Purchases and Cash Advances (includes balance transfers, Scotia Credit Card Cheques and cash-like transactions) on the No-Fee Scotiabank Value Visa credit card account will change from 16.99% to 12.99%. 
2
Effective April 1, 2021 the preferred annual interest rate on Purchases on the Scotia Momentum Mastercard credit card account will change from 19.99% to 20.99%.
†

Interest rates are for information purposes only. Interest rates are subject to change.

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