No-Fee Scotiabank Value® VISA Card

Scotiabank Value
Scotiabank Value

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Special 3.99% introductory rate for the first six months with no balance transfer fees!

For a limited time
Get a No-Fee Scotiabank Value VISA card and we'll help reduce your borrowing costs! Receive a 3.99% introductory interest rate on cash advances, balance transfers and Scotia® Credit Card cheques for the first six months. Plus, there are no balance transfer fees for this offer!

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  • 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

At a Glance


Introductory Interest Rate


Annual Fee

Save Hundreds of Dollars

A Great Low Rate with No Annual Fee

With all the features and benefits of the standard Scotiabank Value® VISA card, the No-Fee Scotiabank Value VISA card can offer you outstanding value. Switch balances from higher interest rate credit cards and save!

Rates & Fees
  • Minimum Credit Limit $500
  • Interest-Free Grace Period At least 21 days1
  • Annual Fee $0
  • Interest Rate 16.99%

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 No-Fee Scotiabank ValueVISA card at any participating location. Or visit or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

Scotia® Credit Card Cheques2

Use Scotia Credit Card Cheques to:

  • Transfer balances from gas and retail cards that charge higher interest rates.
  • Pay for a large purchase, insurance premiums, medical bills, or utility bills.

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 No-Fee Scotiabank ValueVISA account with your ScotiaCard when you link the two together.
Easy Access

Link your No-Fee Scotiabank Value VISA account to your ScotiaCard® you can use TeleScotia® Telephone Banking and Scotia OnLine® Financial Services for VISA account information.

Scotia Credit Card Protection (optional)3

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

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-Fri (9am-8pm EST) 1(800)747-3208
    Mon-Fri (9am-8pm EST)

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