Best Credit Cards in Jamaica for 2025

Discover the perfect credit card to match your lifestyle and financial goals. Whether you're a frequent traveler, a cashback enthusiast, or simply need a reliable card, ScoopRate helps you find the best options available. Start comparing today!
Last Updated: July 25, 2025
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Card categories:
Credit Card Categories
  • Rewards
  • Travel
  • Cash back
  • General
  • No annual fee
  • Alumni Donation

Denominated Curr.

Denominated Curr.
  • J$
  • US$
Filter by:
Credit Card Company
  • CIBC
  • FGB
  • JN
  • NCB
  • Sagicor Bank
  • Scotiabank
  • VMBS
Sort by:
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No annual fee, Rewards

CIBC JetBlue Mastercard

Welcome offer
Earn 10,000 TrueBlue Bonus Points on Your First Purchase!
Features
  • Earn 2X points on JetBlue purchases and 1X point on all other purchases
  • Enjoy JetBlue Select Card benefits without an annual fee
  • Receive a 5,000 TrueBlue point bonus each year upon card renewal
Annual Fee
J$ 0.00
Purchase
Interest Rate
47.00%
Cash
Advance Rate
50.00%
Minimum
Payment
3.00%
Learn more
  • Welcome Bonus: Earn 10,000 bonus TrueBlue points after your first purchase within 90 days of opening the account.
  • Earn TrueBlue Points: Earn 2X TrueBlue points on eligible JetBlue purchases, including flights and vacation packages. Plus, earn 1X TrueBlue points on all your everyday purchases.
  • No Annual Fee: Enjoy the convenience of the card without any annual charges.
  • Anniversary Bonus: Earn a bonus of 5,000 TrueBlue points every year on your account anniversary.
  • Redeem for Travel: Use your TrueBlue points to redeem for flights and vacation packages on JetBlue.
  • Mosaic Status: Earn points towards achieving Mosaic status in JetBlue’s loyalty program, unlocking benefits like free checked bags and priority boarding.
  • Security Features: Enjoy standard credit card security features like protection against unauthorized charges.
  • Transparent Fee Details: Enjoy peace of mind with transparent and detailed fee information provided in the CIBC Schedule of Charges, enabling you to make informed financial decisions.
No annual fee, Rewards, Travel

CIBC Visa Silver

Welcome offer
No current welcome offer available
Features
  • Pay No Annual Fee, Ever
  • Earn Rewards with Every Purchase
  • Ideal for first-time cardholders
Annual Fee
J$ 0.00
Purchase
Interest Rate
47.00%
Cash
Advance Rate
50.00%
Minimum
Payment
3.00%
Learn more
  • No Annual Fee: Enjoy the benefits of a credit card without the burden of an annual fee, making it a great option for budget-conscious individuals.
  • Rewards Program: Automatic enrollment in the CIBC My Rewards program, allowing you to earn points on purchases.
  • Online Management: Easy online and mobile access for card activation and transaction tracking.
  • Chip & PIN Technology: Benefit from advanced chip technology for secure in-person transactions, along with a PIN for added security.
  • Contactless Payments: Make quick and easy purchases with a simple tap or wave of your card wherever contactless payments are accepted.
  • Shop Worldwide: Use your card for purchases anywhere Visa is accepted, both locally and internationally.
  • Build Credit History: This card is a good option for first-time cardholders or those looking to establish or improve their credit history.
  • Credit Limit: Offers a credit limit of USD 1,500 or the local currency equivalent.
  • Transparent Fee Details: Enjoy peace of mind with transparent and detailed fee information provided in the CIBC Schedule of Charges, enabling you to make informed financial decisions.
No annual fee, Rewards, Travel

CIBC Visa Silver (USD)

Welcome offer
No current welcome offer available
Features
  • Pay No Annual Fee, Ever
  • Earn Rewards with Every Purchase
  • Ideal for first-time cardholders
Annual Fee
US$ 0.00
Purchase
Interest Rate
20.00%
Cash
Advance Rate
25.00%
Minimum
Payment
3.00%
Learn more
  • No Annual Fee: Enjoy the benefits of a credit card without the burden of an annual fee, making it a great option for budget-conscious individuals.
  • Rewards Program: Automatic enrollment in the CIBC My Rewards program, allowing you to earn points on purchases.
  • Online Management: Easy online and mobile access for card activation and transaction tracking.
  • Chip & PIN Technology: Benefit from advanced chip technology for secure in-person transactions, along with a PIN for added security.
  • Contactless Payments: Make quick and easy purchases with a simple tap or wave of your card wherever contactless payments are accepted.
  • Shop Worldwide: Use your card for purchases anywhere Visa is accepted, both locally and internationally.
  • Build Credit History: This card is a good option for first-time cardholders or those looking to establish or improve their credit history.
  • Credit Limit: Offers a credit limit of USD 1,500 or the local currency equivalent.
  • Transparent Fee Details: Enjoy peace of mind with transparent and detailed fee information provided in the CIBC Schedule of Charges, enabling you to make informed financial decisions.
Rewards, Travel

Sagicor Bank Visa Gold (USD)

Welcome offer
No current welcome offer available
Features
  • Protect purchases from theft or damage
  • Travel worry-free with trip, luggage, & medical coverage
  • Shop & transact globally at millions of locations
Annual Fee
US$ 67.12
Purchase
Interest Rate
18.00%
Cash
Advance Rate
18.00%
Minimum
Payment
5.00%
Learn more
  • Global Acceptance: Use your card at over 25 million merchants worldwide, making it ideal for local and international purchases.
  • Reward Points: Earn 1 point for every US$1 spent, with no limit on the amount of points you can accumulate in a year.
  • 24/7 Global Customer Assistance: Receive assistance with lost/stolen cards, emergency replacements, and cash advances.
  • Purchase Protection: Get coverage against theft or accidental damage for up to 180 days after purchase (up to US$1,000 per year).
  • Price Protection: Be reimbursed for the price difference if you find a lower price on a recently purchased item (up to US$400 per year).
  • Free Auto Rental Insurance: Enjoy coverage for car rentals against damages, theft, and vandalism in the US and Canada (up to 31 days).
  • Visa Extended Warranty: Double the manufacturer’s warranty on your purchases (up to an extra year, with a maximum of US$5,000 per year).
  • Transparent Fee Disclosure: Sagicor Bank ensures you know all fees upfront for our Pricesmart Visa Gold Card. For a clear breakdown, visit our Credit Card Rates & Fees Schedule.
General

Scotiabank MasterCard (USD)

Welcome offer
Earn USD$50 cashback when you convert at least one Eligible Purchase into a Select Pay plan within the first three billing cycles from your account opening date.
Features
  • Use your card worldwide with purchase protection
  • Guaranteed hotels & 24/7 assistance
  • Pay with Convenience Cheques or add authorized cards affordably
Annual Fee
US$ 88.84
Purchase
Interest Rate
18.00%
Cash
Advance Rate
18.00%
Minimum
Payment
5.00%
Learn more
  • Free Personalized Checks: Enjoy the convenience of writing checks for everyday purchases, bills, or even to withdraw cash at a teller window. All checks come personalized with your name for a secure and familiar way to manage your finances.
  • Additional Cards for Family: Include family members in your financial planning by adding supplementary cards to your account for a small charge.
  • Emergency Services: Travel with confidence knowing you have access to 24/7 emergency assistance through Mastercard Global Service. This service can help with lost/stolen card reporting, emergency card replacement, and cash advances in case of emergencies anywhere in the world.
  • Purchase Protection: Shop worry-free with built-in purchase protection that covers your purchases against theft or accidental damage (up to US$100 per occurrence). This adds an extra layer of security to your everyday transactions.
  • Credit Life Protection (Optional): Provide an extra layer of security for your loved ones with optional Credit Life Protection. This low-cost insurance can help pay off your outstanding credit card balance in case of your death.
  • Chip and PIN Technology: Every transaction uses a chip embedded in the card and your unique PIN for added security. This makes it more difficult for fraudsters to counterfeit or misuse your card information compared to traditional magnetic stripe cards.
  • Know Your Fees Upfront: The Scotiabank Mastercard comes with easy-to-understand fees. For a complete breakdown, visit the Scotiabank Credit Card Rates & Fees Schedule.
General

NCB International Mastercard (USD)

Welcome offer
No current welcome offer available
Features
  • Shop worldwide and pay in US dollars
  • Enjoy up to 55 days interest-free repayment period
  • Enjoy contactless ease with Tap & Go, plus Purchase Protection
Annual Fee
US$ 88.84
Purchase
Interest Rate
17.50%
Cash
Advance Rate
21.95%
Minimum
Payment
4.00%
Learn more
  • Accepted worldwide: Use your card with confidence at millions of locations across the globe.
  • Extend purchasing power to loved ones: Add supplementary cards to your account for a yearly fee of US$59.23.
  • Convenience of US Dollars: Simplify transactions and budgeting by shopping and paying directly in US dollars.
  • Up to 55 Days Interest-Free: Enjoy an extended grace period to repay your balance without incurring interest charges.
  • Purchase Protection: Shop with peace of mind – get reimbursed for damaged or stolen purchases (details available from NCB).
  • Tap & Go Technology: Pay quickly and securely with a simple tap at contactless terminals.
  • Understand Your Fees: The NCB International Mastercard Card has straightforward fees. For a detailed breakdown, visit the NCB Schedule of Rates & Charges.
38
Card categories:
Credit Card Categories
  • Rewards
  • Travel
  • Cash back
  • General
  • No annual fee
  • Alumni Donation

Denominated Curr.

Denominated Curr.
  • J$
  • US$
Filter by:
Credit Card Company
  • CIBC
  • FGB
  • JN
  • NCB
  • Sagicor Bank
  • Scotiabank
  • VMBS
Compare up to 3 Credit Cards:
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Investment Disclosure - Managed Funds

Please note that past performance of managed funds, including unit trusts and mutual funds, does not guarantee future results. While historical performance can provide valuable insights into a fund’s track record and management capabilities, it should not be the sole basis for making investment decisions.

Managed funds are subject to market fluctuations, economic conditions and various other factors that may affect their performance. Investors should carefully consider their investment objectives, risk tolerance and financial situation before investing in any managed fund.

Additionally, it’s essential to conduct thorough research and consult with a qualified financial advisor to ensure that the selected managed fund aligns with your individual investment goals and preferences.

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Fixed Income Investment Disclaimer:

  • Interest Rate Risk: The value of your fixed income investment may decline if interest rates rise. As rates go up, investors may be able to earn higher returns on new investments, potentially making your existing fixed-rate investment less attractive.
  • Credit Risk: There is always the possibility that the issuer of a fixed income security, like a CD, may default on their obligation to repay your principal or interest. This risk is generally lower with government-backed securities but can be higher with corporate bonds.
  • Market Volatility: Even fixed income investments can experience some price fluctuation, especially in secondary markets where they may be sold before maturity.
  • Early Withdrawal Penalties: Some fixed income investments, like CDs, may impose penalties if you withdraw your funds before the maturity date.

Before investing in any fixed income product, carefully consider your investment goals, time horizon, and risk tolerance. It’s important to understand the specific features and risks associated with each type of investment. Consider consulting with a financial advisor to ensure these investments align with your overall financial plan.

This information is for general purposes only and does not constitute financial advice.

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Last Updated: March 8, 2024. 

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