Scotiabank Value® Visa Low Interest Credit Card

Scotiabank Value
Scotiabank Value

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Special 0.99% introductory rate for the first six months

For a limited time
Get a Scotiabank Value VISA card and we'll help reduce your borrowing costs! Receive a 0.99% introductory interest rate on, cash advances, balance transfers and Scotia® VISA cheques for the first six months.

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New to Canada?
Apply for a credit card here.
No credit history needed.
  • Save hundreds of dollars a year
  • Pay down balances faster
  • Simplify your monthly payments
  • Visa Checkout - Now you can checkout online easier with Visa Checkout
  • Eligible for Apple Pay

At a Glance

0.99%

Introductory
Interest Rate

11.99%

Interest Rate

$29.00

Annual Fee

Great Rate. Great Value!

Start paying yourself instead of others. With an annual interest rate of 11.99% your Scotiabank Value VISA card can finance medium to large purchases. You'll find it to be one of the fastest, most affordable ways to get the credit you need. Switch balances from higher interest rate credit cards and keep the savings for yourself!

  • Save hundreds of dollars a year
  • Pay down balances faster
  • Simplify your monthly payments

PLUS:

Easy access
Link your Scotiabank Value VISA account to your ScotiaCard® and use TeleScotia® Telephone Banking and Scotia OnLine® Financial Services for VISA account information.

Rates & Fees
  • Minimum Credit Limit $500
  • Interest-Free Grace Period At least 21 days1
  • Annual Fee
    Primary Card Holder: $29
    Supplementary Card Holder: $0
  • Interest Rate 11.99% on purchases

For current rates and information on fees and interest cost, call 1-888-882-8958.

Learn more about VISA card fees and VISA card interest rates.

Special Discounts

AVIS Car Rentals
Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your Scotia Value VISA card at any participating location. Or visit www.AVIS.com or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

Instant Cash Advances

Simply pick a Personal Identification Number (PIN) at any Scotiabank branch to obtain cash advances at:

  • Over 1 million ABMs around the world displaying the VISA/PLUS symbols.
  • Over 55,000 ABMs displaying the INTERAC symbol in Canada, including Scotiabank ABMs.
  • Or, access your Scotiabank Value VISA account with your ScotiaCard when you link the two together

Easy Access to your Scotiabank Value VISA account

Link your Scotiabank Value VISA account to your ScotiaCard® and use TeleScotia® Telephone Banking and Scotia OnLine® Financial Services for VISA account information.

Scotia Credit Card Protection (optional)3

Notice: Important Changes to Scotia Credit Card Protection effective December 12, 2016
Please review notice of Changes.


With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 5% of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness++, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $20,000.

This comprehensive coverage is available at a monthly premium rate of only $0.95 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast – contact us for details if you are a resident of Canada, and are at least 18 and under 65 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.


† 5% of outstanding balance up to 24 months
++ The maximum benefit payable is $20,000
Recently moved to Canada? Apply for a credit card designed for newcomers.

It's hard to get a credit card without a Canadian credit history. But the Scotiabank StartRight ® Program± for Newcomers can help. It's a special program designed to meet the needs of newcomers to Canada. With the StartRight Program, you can be approved for a credit card – even without a Canadian credit history. Once you have a credit card you can:

  • Make purchases online or by phone.
  • Earn rewards like cash back, free movies or travel points.
  • Build your Canadian credit history and credit score, so you can build the future you want in Canada.

Use the link below to apply for your credit card through the Scotiabank StartRight Program today.

Apply now

Ready to Apply

  • Online 3 easy steps, only 5 minutes 100% safe and secure Apply online
  • PhoneCall the Scotiabank Credit Card Centre 1(800)747-3208 Mon to Thurs 9am - 11pm
    Friday 9am - 10pm
    Sat 10am - 6pm
    1(800)747-3208
    Mon to Thurs 9am -11pm
    Friday 9am -10pm
    Sat 10am to 6pm
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