Great reasons to get this card for your everyday purchases
Earn easily, every day
Get 1 Scotia Rewards point for every $2 you spend on every eligible purchase.
Book travel and redeem easily
Use your Card and book travel through Scotia Rewards Travel Service, our full-service travel agency.
Redeem for travel anywhere, anytime, with no travel restrictions.
Access to special offers, merchandise, rewards.
You are awarded 1 point per $2.00 in purchases of goods and services charged to your Scotiabank Rewards VISA account. Points are not awarded for cash advances, Scotia®* Credit Card Cheques, Scotia Rewards Dollars, returns, payments, casinos and gambling, annual membership or card fees, interest charges or service transaction charges.
Scotia Rewards Travel Service and Travel Booking Site provided by a duly licensed 3rd party travel agent HRG (Hogg Robinson Group).
You can purchase eligible travel or related travel expenses at a travel provider other than the Scotia Rewards Travel Service (e.g., other travel agencies, tour operators and online travel websites) (the “Other Travel Suppliers”). These types of purchases at Other Travel Suppliers are called “Post Purchase Travel Redemptions”. Scotia Rewards points are redeemable for Post Purchase Travel Redemptions made through your Program Card. To redeem Scotia Rewards points for a Post Purchase Travel Redemption at Other Travel Suppliers, the purchase must first appear (post) on the Program Card Account. Scotia Rewards Cardmembers can then redeem points towards the amount of the Post Purchase Travel Redemption charged to the Program Account through scotiarewards.com or by calling 1-800-665-2582. The Post Purchase Travel Redemption must be charged on your Program Card Account and recognized by our systems with the Merchant Category Codes or identifiers: airlines & air carriers – 4511; airports, flying fields, and airport terminals – 4582; lodgings, hotels, motels and resorts – 7011; trailer parks and campgrounds – 7033; passenger railways – 4112; bus lines – 4131; steamship and cruise lines – 4411; travel agencies and tour operators – 4722; automobile rental agency – 7512; motor home and recreational vehicle rentals – 7519. These Merchant codes/identifiers and categories are subject to change. The Post Purchase Travel Redemption can include related taxes, booking fees, airport fees and travel insurance premiums. You must redeem Scotia Rewards points within 12 months from the date when the Post Purchase Travel Redemption is posted to the Program Card Account (the posting date). It may take up to two statement periods for the points redeemed towards a Post Purchase Travel Redemption to appear as a credit on your Program Card Account. Points redeemed cannot be reversed once posted to the Account. To redeem Scotia Rewards Points towards your Post Purchase Travel Redemption, the Program Card Account must be open and in good standing. The value of the points redeemed cannot exceed the amount of the Post Purchase Travel Redemption charged to your Program Card Account. The minimum point redemption is 5,000 points (5,000 points is equivalent to $50 in travel savings) each time a redemption towards a Post Purchase Travel Redemption is made.
Best available price guarantee on airfares is provided by HRG and is only available within 24 hours of time of booking. All offers are based on availability. Offers are subject to merchants’ standard booking requirements, terms, and conditions. Offer cannot be combined with other offers, promotions, discounts, or programs, and may not be redeemed for cash. Complete terms and conditions are available at scotiarewards.com. The Bank of Nova Scotia is not responsible for the best available price guarantee.
Travel Advantage is supplied by a third party (currently Hogg Robinson Canada Inc. (HRG) and subject to change).
All Scotiabank retail credit cards, except ScotiaLine Visa card, will have Visa payWave when issued or reissued.
Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105
The Primary Cardholder on the Scotiabank Rewards® Visa Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder.
Scotia Credit Card Protection is a group insurance policy underwritten by Chubb Life Insurance Company of Canada. All coverage is subject to terms and conditions including limitations and exclusions which are outlined in the Certificate of Insurance which you will receive upon enrolment.
20% of your outstanding credit card account balance for up to 10 months up to a maximum of $5,000 per month and a total maximum of $50,000 if you are unable to work due to involuntary Job Loss, Strike or Lockout or become disabled.
Critical Illness, Disability, Job Loss and Strike/Lockout coverage terminates at age 70. Life coverage terminates at age 80.
Scotia Rewards points can be converted into SCENE points and SCENE points can be converted into Scotia Rewards points. To do so, you must have a Scotiabank card account that earns Scotia Rewards points (the “Scotiabank Program Card Account”) and is in good standing, and a valid SCENE membership card. You must convert a minimum of 1,000 points per conversion. You can convert points up to a maximum of 4 times within a 24 hour period. Conversions cannot be reversed or cancelled once completed. These conversions are subject to the terms of your Points Conversion Terms and Conditions. See the Points Conversion Terms and Conditions on scotiarewards.com for full details.
Registered Trademark of The Bank of Nova Scotia
Visa Int./Licensed User.
Scotiabank has many great credit cards. We have compiled the list of best Scotiabank credit cards by category (Cashback, travel, rewards etc.) here.
First and foremost, it is not recommended to go over your credit limit since it could impact your credit card utilization rate and your credit score.
If you go over your credit limit, there are 2 potential scenarios:
Perhaps it might be worth applying for a credit limit increase.
If you would like to submit a request to increase to your credit limit, you have three options:
The best way to get a Scotiabank credit card is to either apply online or at branch. The first step would be to review the credit card options available and choose one that meet your needs. You can review our article on the top Scotiabank credit card by category
If you visit the branch, please bring the following items with your completed application.
The minimum payment due for Scotiabank credit card is 3% of your outstanding balance. Please review your online banking account or credit card statement to confirm the amount and payment due date.
The Scotiabank does not have a secure credit card. One great option for a secure credit card is Refresh Financial, read our review here.
Save on Car Rentals
As a Scotiabank Rewards Visa Cardholder, you can save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S. when you pay with your Scotiabank Rewards Visa card.
Book and redeem easily
Book and redeem any flight for any time through Scotia Rewards Travel Service, a full-service travel agency. Plus, take advantage of the Best Price Guarantee on airfare5.
Special Offers with Scotia Rewards Travel Advantage6
Your Card extends to you extraordinary discounts, offers, special amenities and privileges.
Beyond Travel Rewards
Reward yourself and choose from a wide selection of merchandise and gifts by visiting Scotia Rewards
Another great card from Scotiabank is their Visa rewards card. The Scotiabank Rewards® Visa* Card is free of charge card that allows you to travel anywhere and get one free Scotia rewards point for every $1 you spend on purchases.
First, it enables you to use the points on flexible travel bookings. You can pay for taxes, surcharges, planet tickets, and other services associated with travelling. Second, this card comes with a 21 days grace period on purchases. During this time, if you put the money back, you'll be able to enjoy a 0% interest.
The Scotiabank Rewards® Visa* Card also allows you to get up to 20% off for thousands of hotels worldwide and up to 25% on car rentals that qualify. You can also convert your points into SCENE points.
Lastly, request a free supplementary card and capitalize on the optional protection to gain the peace of mind that your finances are safe in case of illnesses or accidents.