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 Cards 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 25 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.

Our Review

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

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