No-Fee Scotiabank Value® Visa Card

Scotiabank Value
Scotiabank Value

Is this the right card for you?

34 seconds.

Get an introductory 3.99% interest rate on Balance transfers for the first six months

Apply online
New to Canada?
Choose a card created for newcomers.
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


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)

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 10% 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 $50,000.

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 70 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.

  • 10% of your outstanding credit card account balance for up to 10 months up to a maximum of $5,000 per month and a total maximum of $50,000 if you are unable to work due to involuntary Job Loss, Strike or Lockout or become disabled.
  • ++ Critical Illness, Disability, Job Loss and Strike/Lockout coverage terminates at age 70. Life coverage terminates at age 80.
  • Scotia Credit Card Protection is a group insurance policy underwritten by Chubb Life Insurance Company of Canada.
  • All coverage is subject to terms and conditions including limitations and exclusions which are outlined in the Certificate of Insurance which you will receive upon enrolment.
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
    Mon to Thurs 9am - 11pm
    Friday 9am - 10pm
    Sat 10am - 6pm

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