As a newcomer, choose from a variety of credit cards and start building your credit history in Canada with the Scotiabank StartRight® Program † – even without a credit history § .
Earn rewards with specific credit cards for everyday purchases in Canada. Whether it be in points, miles or cash back, our credit cards offer many benefits for everyday spending.
Cash back Earn cash back rewards on everyday purchases. Get cash deposited directly into your account.
Earn up to $1,100+ in value in the first 12 months, including up to 35,000 bonus Scene+ points and annual fee waived on your first supplementary card. ‡ Earn 3 Scene+ points 1 on every $1 you spend at Sobeys, Safeway, IGA, Foodland & Participating Co-ops and more. Annual fee: $150
Interest rates: 20.99% purchases / 22.99% cash advances
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). 2 Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0). 2 Annual fee: $0
Interest rates: 19.99% purchases / 22.99% cash advances
Earn up to 5,000 bonus Scene+ points within your first 3 months. 2 Earn 2 Scene+ points 4 on every $1 you spend at Sobeys, Safeway, Foodland & Participating Co-ops, FreshCo and more. Earn 2 Scene+ points 4 on every $1 you spend at Home Hardware. Annual fee: $0 Interest rates: 20.99% purchases / 22.99% cash advances
Earn up to 5,000 bonus Scene+ points within your first 3 months. 2 Earn 2 Scene+ points 4 on every $1 you spend at Sobeys, Safeway, Foodland & Participating Co-ops, FreshCo and more. Earn 2 Scene+ points 4 on every $1 you spend at Home Hardware. Annual fee: $0
Interest rates: 20.99% purchases / 22.99% cash advances
When you apply for credit in Canada, lenders will normally check your credit history to help with their decision. Building good credit could help you save money on interest rates and get approved more easily for things like cell phones, lines of credit and car loans.
Credit scores are calculated by Canada’s two major credit-reporting agencies: Equifax and TransUnion. They calculate your score based on information in your credit report. Key factors that can affect your score include your payment history, how much debt you have and how long you’ve been using credit.
Scotiabank offers a variety of cards from trusted brands including VISA*, MasterCard®** and American Express® ^ .
Book an appointment with a Scotiabank Advisor to apply for a credit card once you’re in Canada.
Scotiabank StartRight® Program is available only for Canadian Permanent Residents from 0-5 years in Canada, International Students and Foreign Workers.
Subject to credit approval. To be eligible, you must be a participant in the Scotiabank StartRight ® Program. To qualify for a credit card, you must be a resident of Canada and the age of majority in your province/territory where you live. Your approval for a credit card and the credit limit assigned will be determined based on Scotiabank’s credit criteria, including your verifiable income and credit history (If available). The credit limit amount of up to $15,000 under the Scotiabank StartRight ® Program is subject to change by Scotiabank from time to time without prior notice. A credit history in Canada is not required in order to be eligible for a credit card under the Scotiabank StartRight ® Program.
Registered trademarks of The Bank of Nova Scotia. Trademark of The Bank of Nova Scotia.Mastercard, Priceless Cities and Tap & Go are registered trademarks, and the circles design and Mastercard Global Services are trademarks of Mastercard International Incorporated and used under license by The Bank of Nova Scotia.
Registered trademarks of The Bank of Nova Scotia. American Express is a registered trademark of American Express. This credit card program is issued and administered by the Bank of Nova Scotia under license from American Express.
