Rewards
Base earn rate1% cash back on all other eligible purchases
Welcome bonusNone
Rewards typecashback
Fees & rates
Annual fee$49
Additional card$15
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Fuel up and save at Shell. Eligible Scotiabank clients can earn and save on fuel purchases at Shell.
⭐
Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the US when you pay with the card
up to 25%
⭐
Buy now and pay over time with Scotia SelectPay - flexible way to pay off eligible purchases of $100 or more with low interest rates and no installment plan fee
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
lesser of repair cost, replacement cost, or original purchase price
🛡️
extended warranty
up to one year of additional coverage
🛡️
other
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident