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.

Read article

How to build your credit history and increase your credit limit in Canada

Moving to a new country shouldn’t mean starting everything from scratch. Put your foreign credit history to work with Scotiabank and Nova Credit.
Read article

The newcomer’s guide to credit card rewards

Build your credit history and earn perks with strategic credit card spending.

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.
Read article

Here's how closing your credit card affects your credit score

Learn about the pros and cons of closing your credit cards and how that may affect your credit score.
Read article

The pros and cons of increasing your credit card limit (and how to do it)

Here's what you need to know about credit limit increases and tips on how to do it.
Read article

Buy Now, Pay Later plans (BNPL) and Scotia SelectPay Installment plans

Learn how Scotia SelectPay Installment Plan provides a flexible way to pay for planned and unplanned purchases.

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.
Read article

Common financial mistakes to avoid in Canada 

Everyone makes mistakes. But planning ahead can help you get around the financial mistakes that would affect your new life in Canada.
See all Credit Card articlesGo to Credit Card articles

Useful tools

icon

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.

icon

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.

icon

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.

Advice+ Logo
Meet your Scotia advisor in a branch near you.
Book an appointment
Book an appointment
Book an appointment