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Card Details

Bank Name: Scotiabank
Network Type: VISA
Card Type: Personal


Annual Fee: $0
Additional Card Fee: $0
Purchases Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%


  • You're a Canadian resident
  • You've reached the age of majority in your province or territory

Scotiabank Rewards® Visa* Card

Welcome Bonus:
Apply Now On Bank's Secure Website
Credit Card snapshot

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.

Enjoy benefits

Access to special offers, merchandise, rewards.

Credit Card Rewards
Credit Card Features
Priority airport services
Airport lounge access
Concierge service
Balance protection(Optional)
Purchase Security & Extended Protection Insurance
Flight delay insurance,Baggage Insurance
Vehicule rental insurance
Travel accident insurance
Travel medical insurance
User Reviews
Total Reviews: 0

Rating: 1 2 3 4 5 ( 0 )

Application Experience: 1 2 3 4 5

Rewards/Features: 1 2 3 4 5

Customer Service: 1 2 3 4 5

Convenience: 1 2 3 4 5

Likelihood to recommend: 1 2 3 4 5

Scotiabank Rewards® Visa* Card FAQs

What is the best Scotiabank credit card? 

Scotiabank has many great credit cards. We have compiled the list of best Scotiabank credit cards by category (Cashback, travel, rewards etc.) here.

Can you go over your credit card limit Scotiabank?

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:

  • Your credit card issuer might just decline the transaction.
  • Some credit card issuers may approve the transactions that exceed your credit limit, however they usually charge an over-limit fee of up to $30 the first time you go over your limit and the same or more if you do it again.

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:

  • Online: Log in to your Scotia OnLine® account to make your request
  • By Phone: 1-800-367-6466 for (Canada/USA)
  • In person at your Scotiabank branch

How to get a credit card at Scotiabank?

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.

  • Last 3 months pay slips or job letter
  • If self-employed, 6 months of bank statements, receipts or invoices, and last 2 years of tax returns and financial statements (if available)
  • Two of the following pieces of identification: passport, driver’s license, or ID card
  • Two of the following utility bills: telephone (excluding mobile phone bills), electricity.
  • Confirmation of existing loans, credit card debt, disclosed assets and savings

What is minimum payment due in credit card scotiabank

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.

Does Scotiabank have secured credit card

 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


Editor`s Review:

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.

Apply Now On Bank's Secure Website

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