Scotiabank credit cards & products
Home of the Scene+ program, which is unusually simple: points are worth a flat cent each whether you redeem for groceries, travel or statement credits. Several Scotiabank cards also waive foreign transaction fees.
What Scotiabank does well
- Scene+ is refreshingly simple: points are worth a flat 1¢ whether you redeem for groceries, travel or statement credits
- Several cards waive foreign transaction fees entirely, which is rare in Canada
- Points can be redeemed directly at Sobeys-family grocery stores
What to watch for
- Fixed-value points mean no outsized redemption upside
- The best earn rates are concentrated in Scotiabank's own ecosystem
Scotiabank cards earn Scene+. See what those points are actually worth with our points value calculator.
All 10 Scotiabank credit cards
Scotiabank savings accounts
The highest headline promo rate, though it runs for only three months and needs a relationship balance.
Promo rate requires a $10,000 Total Relationship Balance across Scotiabank accounts.
Rate verified August 3, 2026 · confirm with the institution before applying
Frequently asked questions about Scotiabank
What credit cards does Scotiabank offer?
We track 10 Scotiabank credit cards, 3 of which have no annual fee. Annual fees run from $29 to $599. They run on Visa and American Express. Scotiabank also offers 1 banking product we cover.
What rewards program do Scotiabank cards use?
Scotiabank cards earn Scene+. Scene+ is refreshingly simple: points are worth a flat 1¢ whether you redeem for groceries, travel or statement credits. Worth knowing: fixed-value points mean no outsized redemption upside.
What credit score do you need for a Scotiabank card?
Across the Scotiabank cards we track, our recommended scores range from 640 to 780. Entry-level and no-fee cards sit at the lower end, while premium cards typically want 780+ along with the income requirement. These are VaultNerd estimates based on card tier and stated income requirements, not official issuer cutoffs.
Compare Scotiabank against everything else
Loyalty to one bank rarely pays. Run your actual spending through the card finder to see whether a Scotiabank card genuinely earns you the most, or browse every card we cover.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“Scotiabank Products.” VaultNerd, https://www.vaultnerd.com/ca/banks/scotiabank, updated August 2026.
- Scotiabank published product pages and cardholder agreements
- VaultNerd products database