Credit card rewards calculator

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Visa Int. / Licensed User

Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.

Trademark of The Bank of Nova Scotia.

Frequently asked questions are for informational purposes only and should not be relied upon as financial or other advice. All estimated and displayed rewards, values and calculations are based on the information you provide and the current rewards and benefits offerings available through Scotiabank. Actual rewards, values and benefits may vary depending on the type of card selected and on other factors such as account activity, payments and bonus offers. Potential rewards including points, cash back or other rewards earned are estimates only. Terms and conditions apply to all reward programs, benefits and offers displayed on this comparison tool and should be reviewed carefully. All rates, fees, features, reward programs, bonus offers and benefits and related terms and conditions are subject to change. Please visit your branch or call 1-800-472-6842 to speak with a Scotiabank representative about Scotiabank’s cards. Certain services or features and benefits are provided by third parties.

Other General Information about this Tool:   

Rewards: Rewards on Scotiabank credit cards (points or cash back) are not earned on cash advances (including balance transfers, cash-like transactions or Scotia Credit Card Cheques), returns, refunds or similar credits, fees or interest.  Other exclusions may apply.  See the terms of the rewards program associated with your Scotiabank credit card for full details.

Scene+ Program:  The Scene+ Program is owned and operated by Scene Limited Partnership and is subject to change.  The Bank of Nova Scotia is not responsible for the Scene+Program including earn rates or redemption options.  For Scene+Program terms and conditions visit https://www.sceneplus.ca/terms-and-conditions

This tool pertains to Scotiabank personal/retail credit and debit cards only. Subject to change.

Conditions apply. To learn more about Scene+ point redemption options, please see the Scene+ Program Terms and Conditions and, as applicable, the related Additional Terms for your Scotiabank Credit Card or Debit Card (including under “Redeeming Scene+ Points” ) or Additional Terms for rewards partner redemptions at https://www.sceneplus.ca/terms-and-conditions

You can use your Scene+ Points for a credit on participating Scotiabank debit card and credit card accounts that earn Scene+ Points (the “Eligible Scotiabank Scene+ Card Accounts”). Once the request to redeem Points for Credit has been submitted, you cannot cancel the request and no changes can be made. It may take up to 2-3 business days, following a request to redeem Points for Credit, for the credit to appear on the eligible Scotiabank Scene+ debit card account, and up to 5 business days for the credit to appear on the eligible Scotiabank Scene+ credit card account. Your Eligible Scotiabank Scene+ Card Account must be open at the time the credit is applied to the account to receive any Points for Credit. For participating Scene+ debit cards, points for credit can range from $20 to $500.

 

For credit cards:  Points for Credit redemptions will be applied towards the balance of the credit card account, and not towards a particular transaction. Please note that even if you redeem for Points for Credit you are still responsible for making any monthly minimum payment applicable to your eligible Scotiabank Scene+ credit card account by your payment due date. Statement credits can range from $20 - $500.

For full terms and conditions, click here.

You will earn 4% Cash Back on the first $25,000 you spend annually on purchases on the Account at merchants classified in the Visa Inc. (Visa) network as Grocery Stores & Supermarkets (Merchant Code 5411) and Recurring Bill Payments. Recurring Bill Payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your Scotia Momentum® Visa Infinite* Card. Not all merchants offer recurring bill payments. (Please check with your merchant to see if they offer recurring bill payments on Visa cards.). 

You will earn 2% Cash Back on the first $25,000 you spend annually on purchases made at merchants classified under the Visa network in the categories of Gas (includes Service Stations [with or without Ancillary services], and Automated Fuel Dispensers & Electric Vehicle Charging) (Merchant Codes 5541, 5542, 5552) and Daily Transit (including Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services [Not Elsewhere Classified]). (Merchant Codes 4111, 4112, 4121, 4131, 4789.). 

You will earn 1% cash back on purchases made after you have reached the 4% and 2% $25,000 annual spend maximum ('overflow') and on all other eligible purchases made with the Card. Purchase returns, payments, cash advances, Scotia® Credit Card Cheques, credit vouchers, card fees, interest charges or service/transaction charges do not qualify for Scotia Momentum® cash back. 

We will not charge you Foreign Transaction Fees on foreign currency transactions, including purchases, only the exchange rate applies. The term “Foreign Transaction Fees” is a substitute for “Foreign Currency Conversion” as described in the Disclosure Statement you received with your Card. This fee relates to the 2.5% mark-up that is typically charged by credit card issuers in addition to the exchange rate. See the Foreign Currency Conversion section of the Disclosure Statement for this Card for full details. Rates and fees are subject to change.

The Certificate of Insurance contains full details of all coverages such as definitions, benefits, limitations, and exclusions, including a pre-existing condition exclusion for certain benefits. Purchase Security, Extended Warranty and Rental Car Collision/Loss Damage Insurance is underwritten by First North American Insurance Company (FNAIC), a wholly owned subsidiary of The Manufacturers Life Insurance Company (Manulife). Trip Cancellation and Trip Interruption insurance is underwritten by Manulife and FNAIC. Travel Emergency Medical Insurance is underwritten by Manulife. The Bank of Nova Scotia is not an insurer.

See more details in the [Scotiabank Momentum Visa Infinite Cash Back] / [Scotiabank Momentum Visa Cash Back] / [Momentum No Fee Visa Cash Back] / [Momentum Mastercard Cash Back] terms and conditions. All terms and conditions subject to change

The Primary Cardholder on the Scotiabank Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder. 

Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpay to learn more. 

Scene+ Travel Service booking site and call center is powered by a 3rd party service provider: visit sceneplus.ca for full details. 

The “Apply Points to Travel” feature applies only to eligible travel or related travel services and purchases. Scene+ Points are redeemable towards Apply Points to Travel redemptions you have previously made using your Scotiabank Payment Card.  To redeem Scene+ Points toward an Apply Points to Travel at Other Travel Suppliers, the purchase must first appear on the Program Card Account. You must redeem Scene+ Points within 12 months from the date that the eligible travel purchase for an Apply Points to Travel redemption was posted to the Program Card Account. It may take up to 2-3 business days for the Scene+ Points redeemed towards an Apply Points to Travel redemption (the travel value equivalent of those Points) to appear as a credit on your Program Card Account.  Scene+ Points redeemed for an Apply Points to Travel redemption cannot be reversed once posted to the Program Card Account. To redeem Scene+ Points towards your Apply Points to Travel redemption, the Program Card Account must be open.  The value of the Scene+ Points redeemed cannot exceed the amount of the Apply Points to Travel redemption charged to your Program Card Account. If the Program Card Account is closed, you will not be able to redeem any Scene+ Points for an Apply Points to Travel redemption.  Apply Points to Travel is subject to other terms and conditions.   

See the Scene+ Program under the section “Redeeming Scene+ Points” that applies to your Scotiabank Payment Card (subjection “Apply Points to Travel”) for more information.  Apply Points to Travel option/feature and the Scene+Program is subject to change.  

For full terms and conditions visit https://www.sceneplus.ca/terms-and-conditions

The Scene+ program and the Apply Points to Travel feature is owned and operated by Scene Limited Partnership

Eligible transactions and eligible merchants may vary by credit card. See rewards program associated with specific card for more details on eligible transactions and merchants.