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No annual fee credit cards
Instead of paying that annual fee, you keep the extra cash and decide where it goes.
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
- 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
- Prefer cash back rewards
- Prefer a card with certain embedded insurance benefits
SCENE+
Scotiabank® Scene+TM Visa* Card
Earn up to 5,000 bonus Scene+ points within your first 3 months.2
Earn 2 Scene+ points4 on every $1 you spend at Sobeys, Safeway, Foodland & Participating Co-ops, FreshCo and more.
Earn 2 Scene+ points4 on every $1 you spend at Home Hardware.
Annual fee: $0
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
- 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
- Interested in building, 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
TRAVEL AND LIFESTYLE
Scotiabank American Express® Card
Earn up to 7,500 bonus Scene+ points within your first 3 months (that’s up to $75 towards travel).1
Earn 3 Scene+ points1 on every $1 you spend at Sobeys, Safeway, FreshCo, Foodland and more.
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
Is this credit card right for you?
Right for you if you:
- Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
- Value the rewards and benefits that can be earned with this Card
- 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
- 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
- Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards
- Prefer cash back rewards
- Prefer a card with certain embedded insurance benefits
STUDENT
Scotiabank® Scene+TM Visa* Card (for students)
Earn up to 5,000 bonus Scene+ points within your first 3 months.2
Earn 2 Scene+ points4 on every $1 you spend at Sobeys, Safeway, Foodland & Participating Co-ops, FreshCo and more.
Earn 2 Scene+ points4 on every $1 you spend at Home Hardware.
Annual fee: $0
Interest rates: 20.99% purchases / 22.99% cash advances