Scotiabank's slogan is "you're richer than you think." And they've got a terrific lineup of credit cards that will line your pockets with valuable rewards and help you be richer than you realized.

Whether it be cash back, travel rewards, or store rewards, Scotia has a credit card for you. And they're also the only major Canadian bank to offer credit cards that don't have foreign exchange fees.

Here are the best Scotiabank credit cards available.

CategoryScotiabank Credit CardCurrent Welcome Bonus Offer
Best Scotiabank cash back credit cardScotiabank Momentum Visa InfiniteNone
Best Scotiabank travel credit cardScotiabank Gold American Express20,000 points (terms)
Best perks Scotiabank credit cardScotiabank Passport Visa Infinite30,000 points (terms)
Best no annual fee Scotiabank credit cardScotiabank American Express5,000 points (terms)
Best low interest Scotiabank credit cardScotiabank Value Visa0.99% on balance transfers for 6 months (terms)

Review all Scotiabank credit cards here.

Best cash back Scotiabank credit card

Prefer to earn cash back? Scotiabank has our #1 rated cash back card – the .

What makes it the best cash back card? The earn rates. You'll earn plenty of cash back at these high rates:

  • 4% cash back on groceries and recurring bills,
  • 2% cash back on gas and transit, and
  • 1% cash back on all other purchases.

Getting 4% back on basics like groceries and recurring bills is a top reason it's so well rated.

And, it also has good insurance coverage with 11 types included, all for an annual fee of $120.

If you want to earn cash back, but want a lower annual fee, Scotiabank has 2 other members of the Momentum family:

Related: Best Cash Back Credit Cards In Canada For 2020

Best Travel Scotiabank credit card

Simply want the most travel rewards possible? The has great earn rates to help you travel for free.

What are those earn rates? You'll earn top points at these rates:

  • 5 points per $1 spent on groceries, restaurants, and entertainment,
  • 3 points per $1 spent on gas, groceries, transit, and select streaming services, and
  • 1 point per $1 on all other purchases.

When redeemed for any travel booking made through Scotia Rewards, you're looking at a return of up to 5% on your purchases.

Throw in 11 types of insurance coverages and no foreign exchange fees, and you'll not only be travelling for free, but saving money while you're out and about.

The card has an annual fee of $120.

Related: Credit Cards With The Most Flexible Rewards 2020

Best perks Scotiabank credit card

For a card that offers a combination of perks, rewards, and insurance, while also not charging foreign exchange fees, the ranks at the top of our list.

For rewards, you can earn 30,000 bonus points when you spend a mere $1,000 in the first 3 months.

Then on your daily purchases, you'll earn:

  • 2 points per $1 spent on groceries, restaurants, entertainment, and transit, and
  • 1 point per $1 spent everywhere else.

At top value, a Scotia Rewards point is worth 1 cent each, giving a return of up to 2%.

If you're a big spender, this card will really dish out the bonuses. Spend $40,000 in a year and you'll earn 10,000 bonus points. And for every $10,000 you spend above that, you'll earn an additional 2,000 bonus points.

As for perks and insurance, here's what this card provides:

  • Priority Pass membership, with 6 free passes included,
  • complimentary Avis Preferred membership,
  • 12 types of insurance, including 10 days of emergency medical for those over the age of 75, and
  • no foreign exchange fees.

It's a well-rounded travel card for an annual fee of $139.

Related: Best Foreign Exchange Travel Credit Cards In Canada For 2020

Best no annual fee Scotiabank credit card

To earn rewards with no annual fee, the top Scotiabank credit card is the .

This card earns Scotia Rewards, which you can use for travel, merchandise, gift cards, statement credits, and can be transferred to SCENE.

With this card, you'll earn a straightforward 1 point per $1 on all purchases, with no caps or tiers to worry about.

But more than that, it also has some unique features. It's a rare card that offers price protection. If an item you purchase comes on sale within 60 days for a lower price than what you paid for it, you can be reimbursed the difference, up to $100 per item.

It has other good insurance coverages too, like 3 days of emergency medical for those over 65, travel accident, and trip interruption service.

Related: Best No Annual Fee Credit Cards In Canada For 2020

Best low interest Scotiabank credit card

Is saving on credit card interest your main focus? The best low interest card Scotia offers is the . Forgo the standard 20%+ interest rates other cards have.

With this card, you'll enjoy low permanent rates of 12.99% on purchases, cash advances, and balance transfers.

And if you have existing debt, the card has a limited time balance transfer offer. In the first 6 months, you can enjoy a low rate of 0.99% on balance transfers.

For a low annual fee of $29, you'll be able to save on crippling interest charges.

Related: 2020’s Best Balance Transfer Credit Cards In Canada

Compare Scotiabank Credit Cards

This table is displaying our default Genius Rating, which applies our standard weight to all 8 of our scoring categories (rewards, fees, insurance, interest, perks, approval, and acceptance). The other card displays in the article are configured to specific categories, based on what the card does best. Learn more about our rating methodology.

Frequently asked questions about Scotiabank credit cards

Here are some frequently asked questions about Scotiabank credit cards.

What kind of credit cards does Scotiabank offer?

Scotiabank offers a mix of flexible rewards, cash back, store, and low interest credit cards.

How can I apply for a Scotiabank credit card?

You can use our secure links to apply for a Scotiabank credit card. Click on a link that says "Apply" and you'll be taken to Scotia's site. Click "Learn More", and you'll go to another page where you can learn more about the card. An apply link will also be on that page.

Are there any Scotiabank credit cards with an annual fee waived for the first year?

The only Scotiabank card that offers the first year free is the Scotiabank Momentum Visa Infinite.

Is there a way to get the annual fee waived for Scotiabank credit cards?

Yes. The Scotiabank Ultimate Package contains an annual fee waiver for these credit cards:

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