Banking 101 – Credit Cards

Credit cards can be used to shop, track expenses, pay bills, mange your cashflow and build your credit history. Some can provide travel rewards, cash back on purchases, protection plans and other great perks.

Learn more about the advantages of a Scotiabank credit card.

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How to cure (and prevent) that post-holiday debt hangover

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DID YOU KNOW...

There are now over 76.2 million credit cards in Canada.*

Take the guesswork out of choosing the card that works best for you. Learn more about our different credit cards. opens in a new tab Created with Sketch.
QUIZ
What happens if you miss your credit card payments?
Please select an answer below.
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How to build your credit history and increase your credit limit in Canada

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What is mortgage insurance and how does it work?

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Budgeting tips to help you rein it in this holiday season

How you can enjoy your holidays without overspending.
QUIZ
What’s the difference between a cash back credit card and a lifestyle rewards credit card?
Please select an answer below.

DID YOU KNOW...

More than 44% of “buy now, pay later” users don’t fully understand the penalties for missed payments, or the impact on their credit score. **

Learn more about credit card installment plans. opens in a new tab Created with Sketch.
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What credit score do you need to buy a house in Canada?

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Frequently asked questions

Visit the Credit Cards page on our website to choose the card that's right for you, and then apply online.

There are lots of ways to collect Scene+ points. Use your eligible Scotiabank debit or credit card to collect points every day at Scene+ brand partners (a complete list is available at sceneplus.ca), and through member-only bonus offers. Download the Scene+ app for special offers sent right to your phone.

Earn and redeem points at the many Scene+ brand partners, both online and at physical locations.

To redeem Scene+ points for credit to your account, travel, gift cards, movies, and more:

  1. Visit sceneplus.ca
  2. Go to Your rewards and select Redeem now
  3. Choose how to use your points

To activate a Scotiabank Visa or American Express credit card, visit our online activation page.

To activate a Mastercard, please call 1-866-583-6289.

Earn and redeem Scene+ points on what you want — from groceries, shopping, and dining, to movies, tech, and more. Check out our complete list of Scene+ partners.

To apply for an increase to your credit limit:

  1. From your Accounts page, select your credit card or line of credit account
  2. Select Additional Services
  3. Select Increase your Credit Card or Line of Credit limit and follow the instructions

Visit ScotiaAdvice+ to explore the pros and cons of increasing your credit card limit.

Useful tools

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Need help choosing your account?

Answer a few questions about your everyday banking needs and we’ll help you find the best bank account for you.

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Looking for a card that’s right for you?


Take the guesswork out of choosing a credit or debit card. Use our tool to pick the type of reward or benefit that you’re most interested in.

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Switch to Scotia
 

With a Scotiabank account, you can easily switch your pre-authorized bill payments from other banks to Scotiabank using online banking.

Let’s have a conversation

A good financial plan can help you accomplish your short and long-term financial goals. A simple chat with our Scotia advisors will get you on the right track.

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