Best Scotiabank Credit Cards in Canada

1Which Scotiabank credit card earns the most in the first year?

WalletReturn example spending of $2,000/month: groceries $500, dining $200, gas $150, transit $80, travel $100, recurring bills $200, entertainment $100, drugstore $40, online $300, other $330.

Scotiabank’s lineup runs from a no-fee Scene+ card to a $399 American Express, with a cash-back card in between that earns the most of the three over a full year.

First-year value counts the welcome bonus where our engine supports the offer; that is $650 of the Scotiabank Gold American Express’s total, and it is paid once. Net annual rewards is the figure that describes year two onward.

2Which Scotiabank card is best after the first year?

Every card we track in this lineup records a positive net annual figure on our example profile.

Scotiabank Gold American Express and Scotiabank Passport Visa Infinite + record no foreign transaction fee, which matters if you spend in US dollars.

3What do Scotiabank credit cards cost a year?

The value columns on this page are net of the annual fee: a card whose fee is larger than the rewards we estimate shows a negative figure rather than a hidden cost.

A fee is worth paying when the rewards and benefits you would actually use exceed it. Where a benefit needs a spending level or a booking channel you do not use, it does not count.

4How does Scotiabank compare with the rest of the catalogue?

A larger first-year figure usually means a bigger welcome bonus rather than a better ongoing rate: compare the net annual rewards column before reading a gap as a permanent advantage.

Every card is put through the same engine, the same example profile and the same earn rules, so a card cannot move up because of an affiliate relationship.

5How do I check these Scotiabank cards against my own spending?

WalletReturn example spending of $2,000/month: groceries $500, dining $200, gas $150, transit $80, travel $100, recurring bills $200, entertainment $100, drugstore $40, online $300, other $330.

WalletReturn is paid by affiliate links on some cards. That never changes an estimate, a cap or the order of a ranking, and an unrecorded fact stays unrecorded rather than being assumed in a card’s favour.