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Best for: 1st Yr Fee Rebate
4.8Ratesopedia rating

The Scotia Momentum Visa Infinite + Card offers a first year annual fee rebate (regular fee $120/yr). It comes with a welcome bonus of $300. You earn 4x on groceries and 1x at restaurants. Estimated first-year value is $1,025.

Best of Month1st Yr Fee Rebate
Annual Fee
$120 $0
Rewards rate
1x

Cash Back

Welcome Bonus
$300

Ends Nov 1, 2026

1st Year Value
$1,025

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of $300
  • 4x on groceries
  • Estimated 1st-year value of $1,025

Cons

  • Fewer premium perks
Best for: Overall value
4.3Ratesopedia rating

It comes with a welcome bonus of 80,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $847.

Best of Month
Annual Fee
$399
Rewards rate
2x

Scene+

Welcome Bonus
80,000 points

Ends Jul 1, 2026

1st Year Value
$847

Pros

  • Welcome bonus of 80,000 points
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $847

Cons

  • High annual fee ($399)
  • Requires good credit
Best for: Overall value
4.5Ratesopedia rating

It comes with a welcome bonus of 60,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $810.

Best of Month
Annual Fee
$150
Rewards rate
1x

Scene+

Welcome Bonus
60,000 points
1st Year Value
$810

Pros

  • Welcome bonus of 60,000 points
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $810

Cons

  • Requires good credit
Best for: 1st Yr Fee Rebate
4.3Ratesopedia rating

The Scotiabank Passport Visa Infinite Business Card offers a first year annual fee rebate (regular fee $199/yr). It comes with a welcome bonus of 40,000 points. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $735.

1st Yr Fee Rebate
Annual Fee
$199 $0
Rewards rate
1.5x

Scene+

Welcome Bonus
40,000 points
1st Year Value
$735

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 40,000 points
  • Estimated 1st-year value of $735

Cons

  • High annual fee ($199)
  • Requires good credit
Best for: Overall value
4.3Ratesopedia rating

It comes with a welcome bonus of 100,000 points. You earn 1x on groceries and 2x at restaurants. Estimated first-year value is $730.

Best of Month
Annual Fee
$599
Rewards rate
1x

Scene+

Welcome Bonus
100,000 points
1st Year Value
$730

Pros

  • Welcome bonus of 100,000 points
  • 2x at restaurants
  • Estimated 1st-year value of $730

Cons

  • High annual fee ($599)
  • Requires good credit
Best for: No annual fee
3.8Ratesopedia rating

The Scotiabank American Express Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 5,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $482.

Best of Month
Annual Fee
$0
Rewards rate
1x

Scene+

Welcome Bonus
5,000 points
1st Year Value
$482

Pros

  • No annual fee
  • Welcome bonus of 5,000 points
  • 2x on groceries
  • 2x at restaurants

Cons

  • Requires good credit
Best for: 1st Yr Fee Rebate
3.8Ratesopedia rating

The Scotia Momentum Visa Card offers a first year annual fee rebate (regular fee $49/yr). You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $449.

Best of Month1st Yr Fee Rebate
Annual Fee
$49 $0
Rewards rate
1x

Cash Back

Welcome Bonus
1st Year Value
$449

Pros

  • First Year Annual Fee Rebate
  • 2x on groceries
  • Estimated 1st-year value of $449

Cons

  • No welcome bonus
  • Requires good credit
Best for: Overall value
3.7Ratesopedia rating

You earn 1x on groceries and 3x at restaurants. Estimated first-year value is $381.

Annual Fee
$79
Rewards rate
1x

Cash Back

Welcome Bonus
1st Year Value
$381

Pros

  • 3x at restaurants
  • Estimated 1st-year value of $381

Cons

  • No welcome bonus
Best for: No annual fee
3.8Ratesopedia rating

The Scotiabank Scene+ Visa Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 10,000 points. You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $371.

Best of Month
Annual Fee
$0
Rewards rate
1x

Scene+

Welcome Bonus
10,000 points

Ends Jul 1, 2026

1st Year Value
$371

Pros

  • No annual fee
  • Welcome bonus of 10,000 points
  • 2x on groceries
  • Estimated 1st-year value of $371

Cons

  • Requires good credit

Complete Guide

Best Scotiabank Credit Cards in Canada

Compare all Scotiabank credit cards. Scene+, Momentum, Passport Visa Infinite, and Gold Amex reviewed.

Scotiabank Credit Card Lineup

Scotiabank offers 14 credit cards spanning Scene+ rewards, cash back (Momentum), travel (Passport), and co-branded options. Their Scene+ program is one of Canada’s most versatile loyalty programs, earning points redeemable for movies, groceries, travel, and dining.

Top Picks

The Scotiabank Passport Visa Infinite is a standout for no-foreign-transaction-fee travel. The Scotia Momentum Visa Infinite offers one of the highest grocery cash back rates in Canada at 4%. The Scotiabank Gold American Express is a strong mid-tier travel option.

15

Cards analyzed

Jun 2026

Last updated

100%

Independent

Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

📊Real data
🔄Updated regularly
⚖️Unbiased review
🎯Transparent criteria

FAQ

Frequently Asked Questions

1What is the best Scotiabank credit card?

The Scotiabank Passport Visa Infinite is ideal for travellers (no FX fees). The Scotia Momentum Visa Infinite is best for cash back on groceries (4%).

2What can I redeem Scene+ points for?

Scene+ points can be redeemed for Cineplex movies, groceries at Sobeys/IGA, travel bookings, dining at Recipe restaurants, and more.

Next step

Find your perfect card

Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.