No-Fee Scotiabank Value® Visa* Card

3.99% introductory interest rate on balance transfers for the first 6 months1
No-Fee Scotiabank Value Visa Credit Card

No Annual Fee


Convenient with Visa payWavesimply wave your card and go!2


New to Canada?

No credit history needed.

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Existing customer? Apply now

Great reasons to get this card

Save up to hundreds of dollars a year

  • Save with the combination of a low interest rate and no annual fee – it could add up to hundreds a year!

  • Pay down higher interest rates balances faster

  • Stay one step ahead of your balance – a lower interest rate makes this card an affordable way to finance those medium to large purchases you are making.

  • Transfer higher rate balances and save even more

  • Switch balances over from higher interest-rate credit cards to the No-Fee Scotiabank Value Visa Card. By consolidating your higher rate balances, you’ll save on interest and make paying bills easier.

  • Fees, Rates & Other Information3

    Annual Fee


    0.0 each Supplementary Card

    Interest rates


    16.99 on purchases. 16.99 on cash advances, balance transfers and Scotia Credit Card Cheques

    Credit Limit



    Your card comes with benefits

    Take advantage of all the benefits of a No-Fee Scotiabank Value Visa Card.

    Save time at the checkout

    Tap your No-Fee Scotiabank Value® Visa Card or your smartphone for quick easy payments.

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    Save on car rentals

    Planning a road trip? Save on car rentals with discounts of up to 20% at participating AVIS car rental locations worldwide.

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    Feel reassured (Optional protection)

    Your finances can have added protection from some of life's unpredictable events, like disability, job loss, strike or lockout, critical illness or loss of life.

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    No-Fee Scotiabank Value® Visa* Card

    In Person

    Make an appointment

    Find a branch
    By Phone

    takes about 8 minutes

    1 (800) 747-3208
    Apply Online

    A great low rate with no annual fee

    Apply Now