We score this card on five factors — earn rate, real point value, portfolio pooling, merchant bonuses, and your stated goal — recalculated for your specific wallet, not a static rating.
Top effective rate on this card: 4¢ per dollar. Full methodology →
| Category | Earn Rate | Effective Value |
|---|---|---|
| Groceries | 4% Cash Back | 4¢/$ |
| Dining | 4% Cash Back | 4¢/$ |
| Bills & Utilities | 4% Cash Back | 4¢/$ |
| Gas & EV Charging | 2% Cash Back | 2¢/$ |
| Everything Else | 1% Cash Back | 1¢/$ |
Rates may be subject to caps, exclusions, enrollment requirements, and issuer-defined merchant categories. See our data verification methodology →
Terms, APR, and the current welcome offer are set by the issuer, not us, and can change without notice. Confirm the live offer on their site before you apply.
Find Scotiabank's card page →PullThisCard does not currently receive compensation from this link.