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Cash back credit cards
Earn cash back every time you shop.
Choose the credit card that’s right for you
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee
- Meet a minimum annual income of $60,000 or a minimum household income of $100,000 or minimum assets under management of $250,000
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Prefer not to pay an annual fee
CASH BACK
Scotia Momentum® Visa Infinite* Card
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1
Plus, no annual fee in the first year, including on additional cards.1
Annual fee: $120
Interest rates: 20.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Prefer other types of rewards available with our other Cards
CASH BACK
Scotia Momentum® Visa* Card
Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).2
Annual fee: $39
Interest rates: 19.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards
NO ANNUAL FEE
Scotia Momentum® No-Fee Visa* Card
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).2
Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (2% fee per cash advance, 22.99% after that; annual fee $0).2
Annual fee: $0
Interest rates: 19.99% purchases / 22.99% cash advances
Is this credit card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases, that can also help you to build your credit history if you make at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards
CASH BACK
Scotia Momentum® Mastercard®* credit card
Earn 1% cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.1
7.99% introductory interest rate on purchases for the first 6 months (20.99% after that; annual fee $0).2
Annual fee: $0
Interest rates: 20.99% purchases / 22.99% cash advances
Plan today for a secure tomorrow
Scotia Credit Card Protection
New! Discover your credit card rewards
Enter your monthly spending details to compare Scotiabank's credit card benefits and calculate your rewards.
Booking.com Rewards
Mastercard cardholders will receive up to 7% off when booking accommodations marked with the Mastercard label and prepaying for such accommodations using an eligible Mastercard credit card at booking.com/mastercardcanada