Cash Back Rebates: Scotiabank Credit Cards

by | Published Jul 1, 2022 | Edited Jul 18, 2022


Frugal Flyer is excited to announce we’ve indefinitely elevated our cashback rebate offers on all of Scotiabank’s credit cards, including the Gold American Express Card, the Passport Visa Infinite Card, and the Momentum Visa Infinite Card.

Scotiabank Cash Back Rebates

Going forward, we are offering successful applicants the most cash back in Canada for each of these cards, more than double our previous offer. Combining these rebates with the card’s existing welcome promotions can get very lucrative.

See the table below for the approximate total value you can expect to earn from these cards:  

ProductWelcome BonusFrugal Flyer RebateTotal Value
Scotiabank Platinum American Express CardEarn 60,000 Scene+ Rewards (worth $600); 50,000 after spending $3,000 in the first 3 months, and 10,000 upon spending $10,000 in the first 13 months.

The annual fee of $399 is not waived.
$250$850
Scotiabank Gold American Express CardEarn 40,000 Scene+ Rewards (worth $400); 20,000 after spending $1,000 in the first 3 months, and 20,000 after spending $7,500 in the first year.

The annual fee of $120 is waived in the first year.
$160$560
Scotiabank Passport Visa Infinite CardEarn 25,000 Scene+ Rewards (worth $250) after spending $1,000 in the first 3 months.

The annual fee of $139 is not waived.
$160$410
Scotiabank Momentum Visa Infinite CardEarn 10% back on all purchases for 3 months, up to $200 total cashback ($2,000 spend).

The annual fee of $120 is waived for the first year.
$160$360
Scotiabank American Express CardEarn 10,000 Scene+ Rewards (worth $100); 5,000 after spending $750 in the first 3 months, and 5,000 after spending $5,000 in the first year.

This card has no annual fee.
$100$200
Scotiabank Scene VisaEarn 5,000 Scene+ Rewards (worth $50) after spending $750 in the first 3 months.

This card has no annual fee.
$60$110

Check out the Frugal Flyer Rebate Comparison Tool to ensure you are getting the most cash back for your application before you apply.

How to Apply for Scotiabank Rebates

All applications are submitted using the form on our Frugal Flyer Rebates page. You will be asked to provide your name and email address in the form. From there, select the credit card product you want to apply for. 

You will then be provided with a unique personal link to the card page on Scotiabank’s website. Use this link to apply for the credit card in a separate tab.

Once you’ve submitted your application, Scotiabank will give you a reference number, starting with CCOM. Enter this reference number into the designated field on the application form. Then submit your rebate application.

Not all institutions provide reference numbers, but for those that do, such as Scotiabank, it is an additional piece of information that helps us identify and track approved cashback. This way we can pay out approved applications as fast as possible. 

Once we receive confirmation from our partner that your application was approved, we will send your cash back via Wise.

Eligible Scotiabank Cards

We are currently offering a rebate on six Scotiabank credit cards.

Scotiabank Platinum American Express Card

Scotiabank Platinum American Express

The Scotiabank Platinum American Express card earns Scene+ rewards on all purchases and is available to individuals in Canada.

This card has no foreign transaction fees and offers 10 annual complimentary lounge access passes to Priority Pass and Plaza Premium lounges.

BONUS
60,000 Scene+
MINSPEND
$10,000
NET VALUE
$201+
ANNUAL FEE
$399
FOREX FEES
No

The Scotiabank Platinum American Express card offers no foreign exchange fees, 10 complimentary airport lounge passes, and a comprehensive suite of travel insurance.

You can earn 60,000 Scene+ Rewards points (worth $600) and a $250 cash back rebate from Frugal Flyer for a total value of $850. Minus the annual fee of $399, this offer has a total value of $451.

This card was refreshed as of July 1, 2022.

Scotiabank Gold American Express Card

Scotiabank Gold American Express

The Scotiabank Gold American Express card earns Scene+ rewards on all purchases and is available to individuals in Canada.

This card earns 5x Scene+ points on grocery, restaurant, and entertainment purchases. No foreign exchange fees are charged when using this card for international purchases.

Read our full review here.

BONUS
40,000 Scene+
MINSPEND
$7,500
NET VALUE
$400+
ANNUAL FEE
$120 (FYF)
FOREX FEES
No

The Scotiabank Gold American Express credit card earns 5x Scene+ Rewards points on all restaurant and grocery purchases. Coupled with no foreign transaction fees, this is a great card to have in your wallet for your travels.

You can earn 40,000 Scene+ Rewards points (worth $400) and a $160 cash back rebate from Frugal Flyer for a total value of $560.

Scotiabank Passport Visa Infinite Card

Scotiabank Passport Visa Infinite

The Scotiabank Passport Visa Infinite card earns Scene+ rewards on all purchases and is available to individuals in Canada.

This card has no foreign transaction fees and offers 6 annual complimentary lounge access passes to Priority Pass and Plaza Premium lounges.

BONUS
25,000 Scene+
MINSPEND
$1,000
NET VALUE
$111+
ANNUAL FEE
$139
FOREX FEES
No

The Scotiabank Passport Visa Infinite credit card earns 2x Scene+ Rewards points on all grocery, dining, entertainment, and transit purchases. Similar to the Scotia Amex Gold, this card also offers no foreign transaction fees, saving you 2.5% on every transaction while you are abroad.

You can earn 25,000 Scene+ Rewards points (worth $250) and a $160 cash back rebate from Frugal Flyer for a total value of $410. Minus the annual fee of $139, this offer has a total value of $271.

Scotiabank Momentum Visa Infinite Card

Scotiabank Momentum Visa Infinite

The Scotiabank Momentum Visa Infinite card earns cash back on all purchases and is available to individuals in Canada.

This card earns 4% cash back for up to $25,000 in eligible grocery purchases, eligible recurring bill payments, and subscription purchases in a calendar year.

BONUS
200 Cash back
MINSPEND
$2,000
NET VALUE
$200+
ANNUAL FEE
$120 (FYF)
FOREX FEES
Yes

The Scotiabank Momentum Visa Infinite credit card accrues cash back for all everyday purchases, up to 4% on all grocery and subscription service purchases. Coupled with an annual fee waiver, this offer can net you a good chunk of cash back in your wallet.

You can earn $200 cash back and a $160 cash back rebate from Frugal Flyer for a total value of $360.

Scotiabank American Express Card

Scotiabank American Express

The Scotiabank American Express card earns Scene+ rewards on all purchases and is available to individuals in Canada.

BONUS
10,000 Scene+
MINSPEND
$5,000
NET VALUE
$100+
ANNUAL FEE
$0
FOREX FEES
Yes

The Scotiabank American Express card earns 2 Scene+ points per dollar spent on grocery, dining, entertainment, gas, daily transit, and select streaming purchases (1 Scene+ point for all other purchases). This card has no annual fee.

You can earn 10,000 Scene+ Rewards points (worth $100) and a $100 cash back rebate from Frugal Flyer for a total value of $200.

This card was refreshed as of July 1, 2022.

Scotiabank Scene Visa Card

Scotiabank Scene Visa

The Scotiabank Scene Visa card earns Scene+ Rewards points and is available to individuals in Canada.

BONUS
5,000 Scene+
MINSPEND
$750
NET VALUE
$50+
ANNUAL FEE
$0
FOREX FEES
Yes

The Scotiabank Scene Visa card earns Scene+ Rewards points for all purchases and has no annual fee.

You can earn 5,000 Scene+ Rewards points (worth $50) and a $60 cash back rebate from Frugal Flyer for a total value of $110.

Scene+ Rewards Program

We have previously written about the intricacies of the Scene+ Rewards program and how you can get the best value out of the points. Scene+ points are valued at 1 cent per point and can be easily converted into cash by utilizing the refundable hotel trick.

Keeping that in mind, the welcome bonuses on these Scotiabank credit cards are as good as cash in your pocket.

Conclusion

We are happy to be able to offer boosted cash back on the Scotiabank line of credit cards. These cards, particularly the Scotia Amex Gold card, offer a strong bonus and in conjunction with the cash back rebate, provide outsized value for a single credit card signup.

Head over to the Frugal Flyer Rebates page to take advantage.

Reed Sutton

Reed Sutton

Founder at Frugal Flyer
Reed is addicted to the science (and art) of earning and redeeming travel points, and frequently pairs his trips with his other hobby: photography. Through Frugal Flyer, Reed aims to distill some of the complex and esoteric points strategies into digestible information. Furthermore, he hopes to use his technical expertise to develop invaluable applications and tools for the travel community.
Hugh Campbell

Hugh Campbell

Senior Editor at Frugal Flyer
Hugh has been involved in the miles and points game since 2015 but has scaled up his knowledge and points-earning potential in recent years. In 2019, Hugh stepped things up when he met Reed in addition to a few other miles and points fanatics (err degenerate churners) and has since been able to capitalize on the various expertise that each member brings to the group.

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