Canada's best all-round no-FX card. The 2.5% FX saving plus lounge visits deliver real, unglamorous value even though the points ceiling is low.
$150 annual fee · First-year net value ≈ $850 · Scene+
Issuer hub · Updated 2026-07-12
Scotiabank Credit Cards in Canada
Every Scotiabank credit card we track, ranked by Standard Score — Scene+ and cash-back earners across Visa, Mastercard, and Amex, with the fee math shown for each.
| # | Card | Standard Score | Annual fee | First-year net value | Currency | Current offer |
|---|---|---|---|---|---|---|
| 1 | Scotiabank Passport Visa Infinite Scotiabank | 7.5/10 | $150 | ≈ $850 | Scene+ | See offer |
| 2 | Scotiabank Gold American Express Scotiabank | 7.2/10 | $120 | ≈ $620 | Scene+ | See offer |
| 3 | Scotia Momentum Visa Infinite Scotiabank | 7.0/10 | $120 | ≈ $480 | Cash back | See offer |
| 4 | Scotiabank Passport Visa Infinite Privilege Scotiabank | 6.5/10 | $599 | ≈ $550 | Scene+ | See offer |
| 5 | Scotiabank Platinum American Express Scotiabank | 6.5/10 | $399 | ≈ $400 | Scene+ | See offer |
| 6 | Scotiabank Scene+ Visa Card Scotiabank | 5.5/10 | None | ≈ $130 | Scene+ | See offer |
| 7 | Scotiabank Scene+ Visa Card for Students Scotiabank | 5.3/10 | None | ≈ $80 | Scene+ | See offer |
| 8 | Scotia Momentum Mastercard Scotiabank | 4.3/10 | None | ≈ $90 | Cash back | See offer |
| 9 | Scotiabank Value Visa Scotiabank | 3.3/10 | $29 | ≈ $0 | None (no rewards) | See offer |
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every Scotiabank card, ranked
The best 'simple points' earner in Canada. Pairs a huge food multiplier with no-FX — a strong one-card answer for pragmatists.
$120 annual fee · First-year net value ≈ $620 · Scene+
Neck-and-neck with the CIBC Dividend for best cash-back Visa. The recurring-payments 4% is its edge; the once-a-year payout its tax.
$120 annual fee · First-year net value ≈ $480 · Cash back
The most premium Scene+ product to date: a real travel credit and lounge access stacked on Scotiabank's no-FX simplicity, but the $599 fee needs disciplined use of the credit and lounge visits to clear.
$599 annual fee · First-year net value ≈ $550 · Scene+
The premium no-FX play: real perks and a genuinely simple program, priced against far more flexible competition.
$399 annual fee · First-year net value ≈ $400 · Scene+
A capable no-fee entry into Scene+. Fine on its own, and a natural stepping stone toward the Passport once travel and lounge access matter.
No annual fee · First-year net value ≈ $130 · Scene+
A well-targeted student card: modest earn, but on exactly the categories a student budget hits, with a redemption a 19-year-old will actually use.
No annual fee · First-year net value ≈ $80 · Scene+
An unremarkable but genuinely free card. Its low intro interest rate is the real draw, not the cash-back rate.
No annual fee · First-year net value ≈ $90 · Cash back
The 'one honest rate' card: 13.99% on every transaction type, where competitors quietly charge 22%+ on advances. Predictability is the product.
$29 annual fee · First-year net value ≈ $0 · None (no rewards)
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every Scotiabank card here is scored on the same Standard Score as the rest of the site — see how it’s built, or browse the full card database.