Annual Fee
$139
Extra Card Fee
$0
Purchase
19.99%
Cash Advance
22.99%
Balance Transfer
22.99%
Personal Income
$60,000
Household Income
$100,000
Canadian resident who has reached the provincial age of majority.
Best Foreign Exchange Credit Card for 2018 award seal
  • Earn 2 Scotia Rewards points for every $1 spent at groceries stores, on restaurants and entertainment, and on daily transit.
  • Earn 1 Scotia Rewards point for every $1 spent elsewhere.
  • Earn 25,000 bonus points if you charge $1,000 to your card in the first 3 months.
  • Earn points that can be redeemed for travel, merchandise, gift cards, credit statements, or even transferred to Scene points.
  • Spend $40,000 per year on your card and receive 10,000 bonus Scotia Rewards Points.
  • One of the few cards on the market that has no foreign currency transaction fee – around 2.5% savings for each transaction.
  • Complimentary Priority Pass Membership and 6 free visits per year.
  • Includes 12 different types of travel and purchase insurance, including Price Protection and emergency medical for people aged 65+.
  • If account is part of a Scotia Total Equity Plan, your annual fee will be reduced to $69 and any secondary cards (after your first free additional card) will be reduced to $25.
  • Enjoy one supplementary card free (a $50 savings).
  • Complimentary Avis Preferred Plus Membership.
  • Visa Infinite Benefits, including 24/7 Concierge Service.
Extended Warranty 1 year
Purchase Protection 90 days
Price Protection Yes
Travel Accident $500,000
Emergency Medical Term 25 days
Emergency Medical over 65 10 days
Trip Cancellation $2,500
Trip Interruption $2,500
Flight Delay $500
Baggage Delay $1,000
Lost or Stolen Baggage $1,000
Hotel Burglary $1,000
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

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For all the details, check out our announcement blog post and full review.

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The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining of all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

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