Credit cards that earn
rewards, not headaches.

Core Features

Scotiaconnect credit cards deliver cash-back earning across everyday categories, travel points with flexible transfer partners, low-interest rates for carrying balances, digital wallet integration, instant card lock, and real-time transaction alerts — all managed from the same Scotiaconnect app as your bank accounts.

Scotiaconnect Cash-Back Cards

The Scotiaconnect Cash Rewards card earns 3% cash back on groceries, 2% on gas and transit, and 1% on everything else — with no quarterly activation, no rotating categories, and no annual fee. Rewards accumulate automatically and post to your Scotiaconnect checking or savings account monthly. There is no minimum redemption threshold. You can also apply cash back directly to your card balance as a statement credit. The Scotiaconnect Cash Rewards Plus card earns a flat 2% on every purchase — simple math, no category tracking required. The Plus card carries a $49 annual fee that typically pays for itself within the first $2,500 of annual spending compared to a 1% baseline card.

Scotiaconnect Travel Rewards Card

Scotiaconnect travel rewards points transfer to over a dozen airline and hotel partners, and the card waives foreign transaction fees — a meaningful benefit for anyone who travels internationally.

The Scotiaconnect Travel Elite card earns 3 points per dollar on travel and dining, 2 points on entertainment, and 1 point everywhere else. Points transfer at a 1:1 ratio to major frequent flyer programs — book award flights directly through your loyalty account, not through a bank portal that marks up the points cost. The card includes trip cancellation and interruption coverage, rental car collision damage waiver, and extended warranty protection on purchases. Foreign transaction fees are waived entirely, saving roughly 2.5% on every purchase made outside Canada. The annual fee is $95, offset by an annual $100 travel credit that applies automatically to airline, hotel, and ride-share charges. The basic Scotiaconnect Travel card offers 2 points on travel and 1 point elsewhere with no annual fee — a lower-earning entry point for occasional travelers who still want no foreign transaction fees.

Scoticonnect Low-Interest Card

The Scotiaconnect Low Rate card carries a purchase APR several points below standard credit card rates — designed for clients who occasionally carry a balance. No annual fee. No rewards program — the entire value proposition is the lower interest cost. Balance transfers onto the Low Rate card qualify for a promotional 0% introductory APR for 15 months on the transferred amount, with a 3% balance transfer fee. After the promotional period, the transferred balance reverts to the standard purchase APR. This card works well as a complement to a Scotiaconnect cash-back or travel card — use the rewards card for everyday purchases you pay in full, and keep the Low Rate card for larger expenses you plan to pay over a few statement cycles.

Digital Card Controls

Every Scotiaconnect credit card includes controls accessible through the online banking dashboard and mobile app. Instantly lock or unlock your card — useful if you misplace your wallet but expect to find it. Set spending limits per transaction, per day, or per merchant category. Enable geolocation-based transaction alerts so the card only works when your phone is nearby, blocking out-of-area fraud. Receive real-time push notifications for every purchase, every declined attempt, and every refund. Digital wallet provisioning supports Apple Pay and Google Pay — add your Scotiaconnect card to your device before the physical plastic arrives. Scotiaconnect card security meets FDIC consumer protection standards and includes zero-liability fraud protection on unauthorized charges.