Choosing a card
Scotiabank Credit Card Offers Changed in November 2026: Winners and Losers
Scotiabank refreshed its welcome offers on November 2, 2026. The Scene+ Visa bonus doubled and the Passport Visa Infinite Privilege got a bigger first bonus, while the no-fee American Express lost half its bonus and the Platinum American Express spread its points over 14 months.
Which Scotiabank offers changed?
Five personal cards changed on November 2, 2026. We checked each one against Scotiabank’s offer terms on November 7.
| Card | Verdict | Bonus before | Bonus now | Apply by |
|---|---|---|---|---|
| Scotiabank Scene+ Visa | Better | 5,000 points | 10,000 points | April 30, 2027 |
| Scotiabank Scene+ Visa for students | Better | 5,000 points | 10,000 points | April 30, 2027 |
| Scotiabank Passport Visa Infinite Privilege | Better | 70,000 points | 80,000 points | January 3, 2027 |
| Scotiabank Platinum American Express | Worse | 80,000 points | 80,000 points | July 1, 2027 |
| Scotiabank American Express | Worse | 10,000 points | 5,000 points | July 1, 2027 |
Points totals are the most you can earn over the whole offer, including bonuses paid after the first year.
Put it into practiceBest Scotiabank credit cardsWhich cards got a better offer?
The no-fee Scene+ Visa and its student version now give 10,000 Scene+ points, about $100 toward travel, double the previous 5,000. The Passport Visa Infinite Privilege first bonus rose from 30,000 to 40,000 points.
Scotiabank Scene+ Visa: 2,500 points after $500 plus 7,500 points after $1,500 in purchases in the first 3 months.
Scotiabank Scene+ Visa for students: Same offer as the regular Scene+ Visa: 2,500 points after $500 plus 7,500 after $1,500 in 3 months.
Scotiabank Passport Visa Infinite Privilege: 40,000 points after $3,000 in 3 months (was 30,000), 30,000 after $20,000 in 6 months, and 10,000 for a purchase in month 14.
Which cards got a worse offer?
The no-fee Scotiabank American Express now gives 5,000 points instead of 10,000. The Platinum American Express still offers 80,000 points in total, but you now need $5,000 in 6 months for the first 45,000 and the last 10,000 arrive in month 14, so less of the bonus lands in your first year.
Scotiabank Platinum American Express: 45,000 points after $5,000 in 6 months, 25,000 after $10,000 in 12 months and 10,000 for a purchase in month 14. It was 60,000 plus 20,000, all inside the first 6 months.
Scotiabank American Express: 2,500 points after $250 plus 2,500 after $1,000 in 3 months. The second part was 7,500 points.
Which Scotiabank offers stayed the same?
The Passport Visa Infinite, Gold American Express and Momentum cash back cards kept their offers. The Passport Visa Infinite and Gold American Express offers end on January 3, 2027.
| Card | Offer | Apply by |
|---|---|---|
| Scotiabank Passport Visa Infinite | 15,000 + 20,000 Scene+ points | January 3, 2027 |
| Scotiabank Gold American Express | 40,000 + 25,000 Scene+ points | January 3, 2027 |
| Scotia Momentum Visa Infinite | 10% cash back on up to $2,000 + first-year fee waived | April 30, 2027 |
| Scotia Momentum No-Fee Visa | 5% cash back on up to $2,000 | April 30, 2027 |
Should I apply now?
If you wanted the Scene+ Visa, now is a better time than last month. If you were considering the Passport Visa Infinite Privilege, the bigger first bonus runs until January 3, 2027. Only apply for a bonus you can earn with spending you would do anyway.
Our card pages show each offer with its spending conditions and our first-year estimate, and we recheck them every day.
Keep reading
Choosing a cardAmex Cobalt vs Scotiabank Gold Amex in CanadaOn our example spending profile the Scotiabank Gold American Express finishes the year $125 ahead: $361 of rewards net of its $120 regular annual fee, against $236 for the American Express Cobalt after its $191.88 fee. The Scotiabank Gold American Express also pays the higher recorded rate in 3 of the 9 categories both cards price.
Choosing a cardCanadian Credit Card Offers in November 2026: New Bonuses and DeadlinesWhat’s new after our November 7, 2026 check of every card offer we track: 50,000 PC Optimum points on the no-fee PC Financial cards, up to 200,000 points on the BMO eclipse Visa Infinite Privilege, and the offers ending before the end of January.- Choosing a cardCanadian Credit Card Welcome Bonus TrackerEvery Canadian credit card welcome bonus we track, valued in dollars at typical spending, with the date each offer was checked on the issuer’s site and a log of offer changes.
RankingsBest Scotiabank Credit Cards in CanadaScotiabank Gold American Express records the highest first-year value of the Scotiabank cards we track at $1,011, and Scotia Momentum Visa Infinite + leads the same lineup on net annual rewards at $400. Both figures are net of the annual fee.
Official sources and further reading
- Scotiabank: Scene+ Visa ↗
- Scotiabank: Passport Visa Infinite Privilege ↗
- Scotiabank: Platinum American Express ↗
- Scotiabank: American Express (no fee) ↗
Terms vary by product. Confirm the provider’s current terms before acting. This guide does not predict approval, realized value or credit-score changes. How WalletReturn calculates value