Credit Cards tools and calculators | Scotiabank Canada (2024)

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.

A waiting period and pre-existing conditions apply to certain coverages. Critical Illness, Hospitalization, Disability, Job Loss and Strike or Lockout coverages end at age 70; however, Life insurance coverage remains in place until the Primary Borrower reaches age 80. Full details of the coverage, including when coverage begins and ends, how to make a claim, terms and conditions, and limitations and exclusions, are outlined in the Certificate of Insurance.

Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to the Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive within 30 days once your Scotia Credit Card Protection application has been approved.

Scotia SelectPay Conditions apply. Review Terms and Conditionsfor full detailsor visit scotiabank.com/selectpayto learn more.

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 “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