Get up to a $15,000 credit limit on an unsecured credit card

As a newcomer, choose from a variety of credit cards and start building your credit history in Canada with the Scotiabank StartRight™ Program – even without a credit history1.

Earn rewards with our credit cards

Earn rewards with specific credit cards for everyday purchases in Canada. Whether it be in points, miles or cash back, our credit cards offer many benefits for everyday spending. 

Cash back

Earn cash back rewards on everyday purchases. Get cash deposited directly into your account.


As a Scene+ member, earn and redeem points for travel, shopping, dining and more.

Build your credit history faster

  • Get a credit card and use it on a regular basis.

  • Always pay your bills on time.

  • Pay your bills off in full whenever possible.

  • Limit yourself to just one or two credit cards.

  • Know your credit score.

Choose the card that's right for you

Scotiabank Passport Visa Infinite credit card

Scotiabank Passport® Visa Infinite* Card

Earn up to $1,300+ in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived.2

Scotiabank Passport Visa Infinite credit card

Scotia Momentum® No-Fee Visa* Card

Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).3 Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).3

Scotiabank Passport Visa Infinite credit card

Scotiabank® Scene+™* Visa* Card

Earn up to 7,500 bonus Scene+ points within your first 3 months.4

Scotiabank Passport Visa Infinite credit card

Scotiabank® Scene+™* Visa* Card (for students)

Earn up to 7,500 bonus Scene+ points within your first 3 months.4

Father and Mother use tablet with daugher

Why do I need to build my credit history in Canada?


When you apply for credit in Canada, lenders will normally check your credit history to help with their decision. Building good credit could help you save money on interest rates and get approved more easily for things like cell phones, lines of credit and car loans.

Female Scotiabank customer

How to find out my credit score?


Credit scores are calculated by Canada’s two major credit-reporting agencies: Equifax and TransUnion. They calculate your score based on information in your credit report. Key factors that can affect your score include your payment history, how much debt you have and how long you’ve been using credit.

Online transaction

How can I get a credit card?


Scotiabank offers a variety of cards from trusted brands including VISA*, MasterCard®** and American Express®^.

Book an appointment with a Scotiabank Advisor to apply for a credit card once you’re in Canada.

Looking for valuable advice?


We’re here to help, ask us anything

The StartRight™ team is here to support you. Call, email or book an appointment today.


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