Scotiabank
Unlock Scene+ rewards with competitive interest rates and no or low annual fees. Get high welcome bonuses and flexible options for travel, shopping and everyday spending.
Scotiabank offers a flexible range of rewards credit cards designed for Canadians who want to earn Scene+ points on everyday purchases. Most of these cards offer competitive annual interest rates, starting from 9.99% to 22.99% for cash advances. Annual fees range from $0 to $399, with credit limits depending on the applicant’s creditworthiness. New applicants can benefit from generous welcome bonuses—up to 80,000 Scene+ points or up to $2,500 in the first year, depending on the card selected. Scene+ points are redeemable for travel, gift cards, or even cash back credits, adding extra value with every swipe.
How to Apply for a Scotiabank Rewards Card
1. Select the card that matches your spending habits and lifestyle.
2. Prepare your personal and financial information for the application.
3. Submit your application online or by visiting a branch.
4. Wait for approval and receive your card by mail.
5. Activate your card and start earning rewards on your first purchase.
Pros: Points Earning & Value
Scotiabank rewards cards stand out with their high earning rates at partners, such as Sobeys, Safeway, and other Canadian retailers. Welcome bonuses are some of the highest among no-fee and premium Canadian cards, providing exceptional first-year value—perfect for maximizing travel or everyday rewards. Flexible point redemption options mean your rewards fit your lifestyle.
Cons: Fees & Redemption
The downside is some cards carry annual fees up to $399, only worthwhile if you maximize perks and earn enough points. High interest rates may apply for carried balances. For those who prefer straight cash back, these cards focus more on the Scene+ program rather than offering unlimited cash rewards. Redemption conditions may apply to some offers, so review terms before applying.
Verdict: Flexible Rewards for Canadians
If you’re looking for a credit card that rewards everyday spending and travel, Scotiabank has a solid selection. With competitive earn rates, valuable welcome bonuses, and easy online application, these cards are a top pick if you value flexibility and points over straight cash back. Just remember to weigh the annual fee and redemption options against your shopping habits before deciding.
