Fill in your current balances and interest rates:

Department Store
Credit Cards

$
%
Interest you're paying2 $330.64

Other
Credit Cards

$
%
Interest you're paying2 $220.39
Total interest you’re paying:
$551.03

Scotiabank Value®
VISA Card

Balance transfer $3,000
Our interest rate 0.99%
Interest you would pay2 $21.83

For the first 6 months You
could be saving:

$529.20

Fill in your current balances and interest rates:

Department Store
Credit Cards

$
%
Interest you're paying4 $449.85

Other
Credit Cards

$
%
Interest you're paying4 $299.85
Total interest you’re paying:
$749.70

Scotiabank Value®
VISA Card

Balance transfer $3,000
Intro interest rate 11.99%
Interest you would pay4 $359.70

After the first 6 months You
could Annually be saving:

$390.00

Start Saving. Apply Now!

1 The introductory 0.99% interest rate is applicable on cash advances, balance transfers and Scotia® VISA cheques only. This rate takes effect when your account is opened, and will then continue for six months from that date. During the promotional period, the regular interest rate of 11.99% applies to purchases. After the promotional period, the interest rate for your balances that were at 0.99% will increase to the regular interest rate of 11.99% for cash advances, balance transfers and Scotia® Visa* Cheques. The annual fee is $29.00 per year for the first card issued on the account; additional cards do not have an annual fee. Offer applies to new accounts opened by March 31, 2014, subject to credit approval. The balance transfer fee (that is regularly 1% of the balance transfer amount) is waived for this offer. Rates and fees as of April 1, 2011, subject to change without notice.

2 The mathematical calculations are approximate and for information purposes only. The mathematical calculations assume a monthly principal payment of $30, a constant interest rate and a constant balance (due to ongoing account activity) for the duration of 6 months. Actual interest costs will depend on various factors including the outstanding balance and the amounts, timing and application of any payments made, the nature of the card transactions and any applicable grace periods. Interest rate comparison effective May 2012, subject to change.

3 The regular 11.99% interest rate applies to purchases during the promotional period, if any, and to purchases, cash advances, balance transfers and Scotia® VISA cheques after the expiry of the promotional rate, if any. The annual fee is $29.00 per year for the first card issued on the account; additional cards do not have an annual fee. Balance transfer fee: 1.00 % of the balance transfer amount, subject to a minimum fee of $ 0.00 and a maximum fee of $ 150.00, for each balance transfer amount over$ 100.00 during a period when a promotional interest rate applicable to balance transfers is in effect on your account which is lower than your regular interest rate for balance transfers. Rates and fees as of April 1, 2011, subject to change without notice.

4 The mathematical calculations are approximate and for information purposes only. The mathematical calculations assume a monthly principal payment of $30, a constant interest rate and a constant balance (due to ongoing account activity) for the duration of 12 months. Actual interest costs will depend on various factors including the outstanding balance and the amounts, timing and application of any payments made, the nature of the card transactions and any applicable grace periods. Interest rate comparison effective May 2012, subject to change.