Credit Cards

Get an unsecured credit card as soon as you arrive – even without a credit history1.

Choose from a variety of newcomer credit cards and start building your credit history in Canada with the Scotiabank StartRight® Program2.

Find the right card for me

Credit Cards

Ready to start building your Canadian credit history?

Choose from a variety of trusted credit card brands available through Scotiabank such as American Express®1, MasterCard®* and Visa* with the Scotiabank StartRight® Program1 2.

Find the right card for me

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.

You can build a good credit history faster by doing the following:

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.

Credit Card

Limit yourself to just one or two credit cards.

Know your 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.

A Scotiabank account lets you access your credit report for free through your online banking. You are also entitled to free reports from Equifax and TransUnion Canada.

What are rewards?

Rewards are incentives you get when you use certain credit cards to pay for everyday purchases. In Canada, rewards can come in a variety of formats like points, miles, or cash back. Whatever the format, reward types typically give you some sort of benefit for using your card to make your everyday purchases.

Scotiabank offers the following reward options.

  • CASH BACK
    Earn cash back rewards on everyday purchases and have your cash deposited directly into your account.
  • TRAVEL
    Earn travel rewards with Scotia Rewards® and you can redeem them for flights, hotels, car rentals and more.
  • ENTERTAINMENT
    Earn rewards with SCENE points that can be put towards things like free movies, discounts on entertainment and more.

How can I get a credit card?

Scotiabank offers a variety of cards from trusted brands including VISA**, MasterCard®* and American Express®1.

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

Find the right credit card for you.

Browse by card type:

All Newcomers Students

Browse by card features:

All No annual fee Cash Back Travel Entertainment Low interest

Newcomers

Our most popular credit cards for newcomers.

New

American Express®1 | No annual fee | Travel rewards

Scotiabank American Express®1 Card

Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months5

  • Scotia Rewards®: Earn one Scotia Rewards® point for every $1 you spend on everyday purchases – redeem points for any travel purchase, selected merchandise, gift cards and more.6
  • Minimum credit limit: $1,000
  • Annual interest rate: 19.99% on purchases, 22.99% on cash advances and balance transfers and Scotia Credit Card Cheques
  • Annual fee: $0

Rates and fees are subject to change.

Make an appointment to apply

VISA* | Low interest rate

Scotiabank Value® Visa* Card

0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)7

  • Low interest rate – you could save up to hundreds of dollars a year in interest if you carry a balance
  • Minimum credit limit: $500
  • Annual interest rate: 12.99%
  • Annual fee: $29

Rates and fees are subject to change.

Make an appointment to apply

Gold American Express®1 | $5,000 limit | Travel rewards

Scotiabank Gold American Express®1 Card

Earn up to 40,000 bonus Scotia Rewards points in your first year (that’s up to $400 towards travel)8

  • Scotia Rewards®: 5 Scotia Rewards points for every $1 you spend on grocery store and dining and entertainment purchases, 3 Scotia Rewards points for every $1 you spend on eligible gas station, Daily transit and Select Streaming Services, and 1 Scotia Rewards® point for every $1 you spend on all other eligible everyday purchases9
  • Minimum credit limit: $5,000
  • Annual interest rate: 19.99% on purchases, 22.99% on cash advances, balance transfers and Scotia Credit Card Cheques
  • Annual fee: $120

Rates and fees are subject to change.

Make an appointment to apply

VISA* | No annual fee | Entertainment rewards

SCENE VISA* Card

Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months10.

  • SCENE Program Rewards: Earn 1 SCENE point for every $1 you spend on your everyday credit card purchases11. Earn 5 SCENE points for every $1 you spend on credit card purchases at Cineplex theatres†† or Cineplex.com12 13
  • Redeem for a FREE movie with just 1250 points.
  • Get $10 off at participating restaurants when you redeem just 1,000 points.
  • Minimum credit limit: $500
  • Annual interest rate: 19.99% on purchases, 22.99% on cash advances, balance transfers and Scotia Credit Card Cheques
  • Annual fee: $0

Rates and fees are subject to change.

Make an appointment to apply

VISA** | Cash back rewards

Scotia Momentum® VISA** Card

Earn 7.5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).14 Plus, get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).14

  • A full 2% cash back on all eligible gas, groceries, drug store purchases and on recurring payments15
  • A full 1% cash back on all other eligible everyday purchases15
  • Minimum credit limit: $500
  • Annual interest rate: 19.99% on purchases, 22.99% on cash advances, balance transfers and Scotia Credit Card Cheques
  • Annual fee: $39

Rates and fees are subject to change.

Make an appointment to apply

International Students

Our most popular credit cards for international students.

Found the card for you?

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