Canada · October 2026
Scotiabank credit cards
23 cards, ranked by estimated net annual rewards value where the issuer states earn rates.
Earn 6 Scene+ points per $1 at Sobeys-type grocers, 5 on dining, food delivery, other groceries and entertainment, 3 on gas, transit and streaming, 1 on everything else; no foreign transaction fees.
Earn: base 1 pts · groceries 6 pts · gas 3 pts · dining 5 pts · travel 1 pts
- Annual fee
- $120 (Waived with Ultimate Package chequing (first year with Preferred); supplementary cards $29)
- Est. net value / yr
- $792
- Welcome offer
- Up to 50,000 bonus Scene+ points: 30,000 at $2,000 in 3 months plus 20,000 at $7,500 in first year. Open account Jul 2 to Nov 1, 2026
- Purchase rate
- 21.99%
- Foreign transaction fee
- None
Earn 3 Scene+ points per $1 at Sobeys-type grocers, 2 on dining, other groceries, entertainment, gas, transit and streaming, and 1 on everything else.
Earn: base 1 pts · groceries 3 pts · gas 2 pts · dining 2 pts · travel 1 pts
- Annual fee
- $0 (Supplementary cards $0)
- Est. net value / yr
- $528
- Welcome offer
- Up to 10,000 bonus Scene+ points: 2,500 at $250 and 7,500 more at $1,000 spend in first 3 months. Open account May 1 to Nov 1, 2026
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 3 Scene+ points per $1 at Sobeys-type grocers, 2 on dining, other groceries, entertainment, gas, transit and streaming, and 1 on everything else.
Earn: base 1 pts · groceries 3 pts · gas 2 pts · dining 2 pts · travel 1 pts
- Annual fee
- $0 (Supplementary cards $0)
- Est. net value / yr
- $528
- Welcome offer
- Up to 10,000 bonus Scene+ points: 2,500 at $250 and 7,500 more at $1,000 spend in first 3 months. Open account May 1 to Nov 1, 2026
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 4% cash back on groceries and recurring payments, 2% on gas, EV charging, transit and food delivery, and 1% on everything else.
Earn: base 1% · groceries 4% · gas 2%
- Annual fee
- $120 (First-year fee waived with offer; supplementary cards $50)
- Est. net value / yr
- $456
- Welcome offer
- 15% cash back on purchases for first 3 months (up to $2,000 spend); 0% on balance transfers for 12 months; no annual fee first year. Open account Jul 2 to Nov 1, 2026
- Purchase rate
- 20.99%
- Balance transfers
- 22.99%
- Foreign transaction fee
- 2.5%
Earn 1 Scene+ point per $1 on all purchases, 2 points at Sobeys/Safeway/IGA-type grocers, Home Hardware and Cineplex, and 1 point on eligible travel (plus 3 extra on Expedia bookings).
Earn: base 1 pts · groceries 2 pts · travel 1 pts
- Annual fee
- $0 (Supplementary cards $0)
- Est. net value / yr
- $384
- Welcome offer
- Up to 5,000 bonus Scene+ points: 2,500 at $250 and 2,500 more at $1,000 spend in first 3 months. Open account Jul 2 to Nov 1, 2026
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 1 Scene+ point per $1 on all purchases, 2 points at Sobeys/Safeway/IGA-type grocers, Home Hardware and Cineplex, and 1 point on eligible travel (plus 3 extra on Expedia bookings).
Earn: base 1 pts · groceries 2 pts · travel 1 pts
- Annual fee
- $0 (Supplementary cards $0)
- Est. net value / yr
- $384
- Welcome offer
- Up to 5,000 bonus Scene+ points: 2,500 at $250 and 2,500 more at $1,000 spend in first 3 months. Open account Jul 2 to Nov 1, 2026
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 2% cash back on groceries, food delivery, drugstores, gas, EV charging, transit, recurring bills and subscriptions, and 1% on everything else.
Earn: base 1% · groceries 2% · gas 2%
- Annual fee
- $49 (Supplementary cards $15)
- Est. net value / yr
- $359
- Purchase rate
- 20.99%
- Balance transfers
- 22.99%
- Foreign transaction fee
- 2.5%
Earn 2% cash back on groceries, food delivery, drugstores, gas, EV charging, transit, recurring bills and subscriptions, and 1% on everything else.
Earn: base 1% · groceries 2% · gas 2%
- Annual fee
- $49 (Supplementary cards $15)
- Est. net value / yr
- $359
- Purchase rate
- 20.99%
- Balance transfers
- 22.99%
- Foreign transaction fee
- 2.5%
Earn 3 Scene+ points per $1 at Sobeys-type grocers, 2 on dining, other groceries, entertainment and transit, 1 on everything else; no foreign transaction fees and lounge access via Visa Airport Companion.
Earn: base 1 pts · groceries 3 pts · dining 2 pts · travel 1 pts
- Annual fee
- $150 (Waived/rebated with Ultimate Package chequing; $40 rebate with Preferred Package; first supplementary card $0, then $50)
- Est. net value / yr
- $354
- Welcome offer
- Up to 35,000 bonus Scene+ points: 25,000 at $2,000 spend in first 3 months, plus 10,000 annual bonus at $40,000 annual spend. Open account Aug 4 to Nov 1, 2026
- Purchase rate
- 20.99%
- Foreign transaction fee
- None
Earn 3% cash back on gas, EV charging, dining, office supplies and recurring bills (phone, internet, utilities, insurance), 2% on professional services, and 1% on everything else.
Earn: base 1% · gas 3% · dining 3%
- Annual fee
- $79 (Supplementary cards $29; annual fee rebate for physicians and dentists)
- Est. net value / yr
- $341
- Welcome offer
- 5% cash back on first $6,500 in purchases in first 3 months; 2.99% balance transfer rate for 6 months. Accounts opened May 1 to Oct 31, 2026
- Purchase rate
- 20.99%
- Balance transfers
- 2.99% balance transfer rate for first 6 months
- Foreign transaction fee
- 2.5%
Earn 1 Scene+ point per $1 on eligible business purchases at Home Hardware locations; interest from Prime + 4.99% to 10.99% with secured limits $5,000 to $500,000.
Earn: base 1 pts
- Annual fee
- $0 (Supplementary cards $0)
- Est. net value / yr
- $300
- Welcome offer
- Up to 15,000 bonus Scene+ points when you spend $1,500 at Home Hardware in first 3 months. Open account Oct 1 to Nov 30, 2026
- Purchase rate
- From Prime + 4.99% to 10.99%
- Foreign transaction fee
- 2.5%
Earn 1% cash back on all eligible business purchases.
Earn: base 1%
- Annual fee
- $0 (Supplementary cards $0)
- Est. net value / yr
- $300
- Welcome offer
- 10% cash back on first $1,500 in purchases in first 3 months
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 1.5 Scene+ points per $1 on eligible business purchases, with no foreign transaction fees and 6 complimentary airport lounge passes.
Earn: base 1.5 pts
- Annual fee
- $199 (First year waived for eligible professionals; first supplementary card $0, then $50)
- Est. net value / yr
- $251
- Welcome offer
- Up to 40,000 bonus Scene+ points: 30,000 at $5,000 in 3 months plus 10,000 at $60,000 in 12 months. Open account May 1 to Oct 31, 2026
- Purchase rate
- 20.99%
- Foreign transaction fee
- None
Earn 1% cash back on gas, groceries, drugstores and recurring bills, and 0.5% on all other purchases.
Earn: base 0.5% · groceries 1% · gas 1%
- Annual fee
- $0
- Est. net value / yr
- $204
- Welcome offer
- 7.99% introductory rate on purchases for first 6 months (20.99% after)
- Purchase rate
- 20.99% (7.99% for first 6 months)
- Foreign transaction fee
- 2.5%
Earn 1% cash back on groceries, drugstores, gas, EV charging, transit, recurring bills and subscriptions, and 0.5% on everything else.
Earn: base 0.5% · groceries 1% · gas 1%
- Annual fee
- $0 (Supplementary cards $0)
- Est. net value / yr
- $204
- Purchase rate
- 20.99%
- Foreign transaction fee
- 2.5%
Earn 1% cash back on groceries, drugstores, gas, EV charging, transit, recurring bills and subscriptions, and 0.5% on everything else.
Earn: base 0.5% · groceries 1% · gas 1%
- Annual fee
- $0 (Supplementary cards $0)
- Est. net value / yr
- $204
- Purchase rate
- 20.99%
- Foreign transaction fee
- 2.5%
Earn 2 Scene+ points per $1 on all eligible purchases, with 10 complimentary lounge visits per year and no foreign transaction fees.
Earn: base 2 pts · travel 2 pts
- Annual fee
- $399
- Est. net value / yr
- $201
- Welcome offer
- Up to 100,000 bonus Scene+ points: 60,000 at $5,000 in 3 months, 20,000 at $10,000 in 6 months, 20,000 on a purchase in month 14. Open account Jul 2 to Nov 1, 2026
- Purchase rate
- 9.99%
- Foreign transaction fee
- None
Earn 1 Scene+ point per $1 on all purchases, including rent and housing bills via Casa with $350 monthly spend; includes comprehensive travel insurance.
Earn: base 1 pts
- Annual fee
- $110 (First year waived with offer; supplementary cards $30)
- Est. net value / yr
- $190
- Welcome offer
- Up to 10,000 bonus Scene+ points within first 3 months; no annual fee first year
- Purchase rate
- 19.99%
- Foreign transaction fee
- 2.5%
Earn 3 Scene+ points per $1 on eligible travel, 2 on dining and entertainment, 1 on everything else (up to 6 with Expedia bookings), with a $250 annual travel credit and no foreign transaction fees.
Earn: base 1 pts · dining 2 pts · travel 3 pts
- Annual fee
- $599 ($150 reduction with Ultimate Package chequing; supplementary cards $199)
- Est. net value / yr
- −$191
- Welcome offer
- Up to 80,000 bonus Scene+ points: 30,000 at $3,000 in 3 months, 30,000 at $20,000 in 6 months, 20,000 on a purchase in month 14. Open account May 1 to Nov 1, 2026
- Purchase rate
- 20.99%
- Foreign transaction fee
- None
- #20
Scotiabank U.S. Dollar Visa Card Scotiabank
Charged in U.S. dollars so U.S. dollar purchases avoid currency conversion fees; no rewards.
- Purchase rate
- 19.99%
- Foreign transaction fee
- Not stated
- #21
Scotiabank Value Visa Card Scotiabank
Low-interest card with no rewards: 13.99% on purchases and cash advances.
- Annual fee
- $29 (First year waived with offer; supplementary cards $0)
- Purchase rate
- 13.99%
- Balance transfers
- 13.99%
- Foreign transaction fee
- 2.5%
- #22
Scotiabank Value Visa Card (for students) Scotiabank
Low-interest card with no rewards: 13.99% on purchases and cash advances.
- Annual fee
- $29 (First year waived with offer; supplementary cards $0)
- Purchase rate
- 13.99%
- Balance transfers
- 13.99%
- Foreign transaction fee
- 2.5%
- #23
ScotiaLine for Business Visa Card Scotiabank
Secured line of credit delivered as a Visa card, with interest from Prime + 1.99% to 9.49% and limits $5,000 to $500,000; no rewards.
- Annual fee
- $0 (Supplementary cards $0)
- Purchase rate
- From Prime + 1.99% to 9.49%
- Foreign transaction fee
- 2.5%
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.