The Bank of Nova Scotia offers specialty and standard credit cards with add-ons and incentives such as concierge service, complimentary hotel room and ticket upgrades, bonus rewards points, low annual and service fees, and many more. The bank offers business and personal cards and additional cards as well as secured and unsecured versions, depending on the customers’ debt to income ratio, income level, and credit score. There are low rate, no annual fee, student, travel, cashback, and other types of cards on offer with plenty of added features, including optional and complimentary services. Clients can choose from American Express and Visa offers with different credit limits, security features, travel and shopping benefits, and a lot more. There are special offers for creditworthy customers as well.
Scotiabank No Fee Credit Cards
No-Fee Scotiabank Value® VISA Credit Card
This card is definitely a great deal for people with bad credit and comes with a special intro rate, VISA checkout, no annual fees, and 3.99% introductory interest rate on balance transfers for the first 6 months. The bank also offers special discounts, safety features such as credit card protection, and the opportunity to repay high-interest outstanding balances. Card checks are also available to help pay utilities, groceries, medical bills, and so on.
• No annual fee
• APR: 16.99 percent
• Intro rate: 3.99 percent 
No-Fee ScotiaGold® VISA card 
Note: This card is no longer available. The information described here is solely for existing Cardholders.
A yet another no-fee Scotiabank offer, this card is the perfect choice for frequent travelers because of the added everyday and travel benefits. In addition to exclusive car rental discounts, the card comes with rental car collision coverage, commission-free travelers checks, and other add-ons. Credit card protection is an optional safety feature, and cardholders benefit from add-ons such as instant cash advances, chip technology, and more.
• Purchase APR: 19.99 percent
• Credit limit: $5,000
• Annual fee: none
• Grace period: 21 days
SCENE® VISA* Card
SCENE VISA also goes with no annual fee and rewards points for purchases at select retailers and for everyday purchases. You earn 2500 bonus SCENE points with your first $500 in everyday purchases in first 3 months, and there are added benefits such as exclusive rental discounts, mobile wallet features. Clients are free to exchange points for free movies, entertainment, and more. A free movie is worth just 1,000 points, and customers get 10 percent off snacks.
• Annual fee: none
• APR: 19.99 percent
• Credit limit: min $500
Scotiabank Low Rate Credit Cards
Scotiabank Value VISA* card
This is a great card for major savings on balance transfers, and holders benefits from no transfer fees and a special rate of 0.99 percent valid for six months. Added incentives include discounts on AVIS rentals, supplementary cards, VISA checkout for smartphones, laptops, and other devices, and the option to pay down balances over a shorter period.
• APR: 11.99 percent
• Free supplementary cards
• Annual fee: $29
• Grace period: min 21 days
Scotiabank Cashback Credit Cards
Scotia Momentum® VISA Infinite* card
Scotia Momentum goes with a fee waiver during the first year, cashback on regular and drugstore purchases, gas, and grocery store purchases. Cardholders earn 4 percent back on groceries and gas and 2 percent on recurring bill payments (*earn 10% cash back on everyday purchases for the first 3 months – up to $200.00). Purchases at drug stores also earn at 2 percent. One percent is offered on all other purchases. Insurance and standard benefits apply, including flight delay and trip interruption coverage.
• APR: 19.99 percent
• Credit limit: at least $5,000
• Annual fee: $99 *waived for the first year. For accounts opened by April 30, 2019
Scotia Momentum® Cash back VISA* card
A great cashback offer by Scotiabank, this card features a special intro rate offered on transfers and advances as well as card checks, up to 2 percent cash back on eligible drug store, gas, and other purchases, and other incentives. The intro rate during the first 6 months is just 1.99 percent. Worldwide acceptance and Scotia card protection are added benefits. The bank also features a handy calculator to help calculate cashback.
• APR: 19.99 percent
• Credit limit: min $500
• Annual fee: $39
Scotia Momentum® No-Fee VISA* Card
A no-fee VISA card with great features, Scotia Momentum comes with a special rate of 7.99 percent and 0.5 to 1 percent cash back, 22.99% on cash advances and balance transfers. Cash back is offered on eligible grocery, everyday, gas, and other purchases. Recurring bill payments earn 1 percent, including subscriptions, home and car insurance coverage, utilities, cable and phone. Cashback applies to purchases at service stations, pharmacies and drug stores, supermarkets, grocery stores, and other participating merchants.
• APR: 19.99 percent
• Min credit limit: $500
• No annual fee
• Grace period: 21 days
Scotiabank Student Credit Cards
L’earn VISA* card
This card comes with money rewards and helps students build a healthy credit score. Students earn up to 1 percent in cashback and benefit from added features such as instant cash advances, 20 percent off rental discounts, and card checks. Holders are free to order additional cards or optional balance protection.
• No annual fee
• APR: 19.99 percent
Scotiabank Rewards Credit Cards
ScotiaGold Passport® VISA* card
This card is also a good choice for frequent travelers and goes with comprehensive travel insurance, 1 point for each $1 in eligible purchases, 5 percent cashback, and other incentives. Add-ons include rental car collision, trip cancellation, and travel emergency insurance. Cardholders benefit from major savings on travelers checks and emergency medical insurance.
• APR: 19.99 percent
• Annual fee: $65
ScotiaHockey® NHL® VISA* card 
Note: This card is no longer available. The information described here is solely for existing Cardholders.
Scotiabank offers a specialty rewards card that goes with discounts on in-store purchases, rewards points, and other incentives. Discounts are offered on car rentals and NHL merchandise. The first purchase on the card earns 5,000 rewards points.
• Earn rate: 1 point per $1 in purchases
• APR: 19.99 percent
• Annual fee: $29
Scotiabank Rewards® VISA* Card 
This product is a great choice for customers looking for a credit card with rewards and no annual fee. The card goes with points to be redeemed for cruise deals, holiday packages, hotel accommodation, airfare, and more.
• APR: 19.99 percent
• Annual fee: none
Scotiabank Travel Rewards Cards
Scotiabank Gold American Express Card
This travel rewards card offers 1 point on every two dollars in eligible purchases and features travel benefits and a flexible redemption schedule. Easy access and the option to book travel online are add-ons in addition to discounts on airfare, vacations and cruise packages, and car rentals. Points can be redeemed for gift items, investments, and more.
• APR: 19.99 percent
• Annual fee: $99
Scotiabank American Express Card
Scotiabank offers customers the opportunity to earn 20,000 in complimentary points and features a flexible rewards program that allows cardholders to earn 4 points on purchases made at entertainment venues, restaurants, grocery stores, and gas stations. 1 Scotia Rewards point on all eligible everyday purchases.
• Purchase APR: 19.99 percent
• No annual fee
Scotiabank Credit Card Application
It is easy to apply online or at the local branch, provided that you haven’t declared bankruptcy recently (during the last 7 years), are a Canadian citizen, and fill in an application you’re your personal, income, financial, and other information. Applicants are asked to provide details such as deposit and savings accounts, time at job, place of employment, residential address, stock and investments.
Online Banking
Scotiabank also offers online banking facilities with beneficial features such as e-transfers, info alerts, Western Union money transfers. Customers are free to make money transfers, pay bills, check their account and balance history, and make pre-authorized payments. There is an option to open a trade account online and benefit from attractive pricing and commissions.
Eve Fielding says
January 7, 2017 at 8:44 pmI can not find any on line access to my Scotiabank-mastercard account. The nearest I can come is the online.chasecanada.ca account and it refuses to let me access it.
Please help it is very frustrating.