Scotia® Home Hardware PRO Visa* Business Card

 Special Offer Description and Conditions for 7,500 Bonus Scene+ Points Offer: The 7,500 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotia Home Hardware PRO Visa Business credit card accounts (“Account”) opened between July 1, 2026, and September 30, 2026 (regardless of the date you apply for the Card), and is subject to the below terms and conditions. 

To be eligible for 7,500 bonus Scene+ points (the “Point Bonus”), you must have at least $1,000 in eligible purchases made at Home Hardware, Home Building Centre, Home Hardware Building Centre locations in Canada and online at homehardware.ca posted to your new Account in the first 3 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees, or other charges.

The Point Bonus will be credited within approximately 8 weeks after the qualifying $1,000 in eligible purchases has been posted to the Account within the first 3 months of the Primary cardholder’s Account open date, provided the Account is open and in good standing.  For Joint Accounts with a Primary Borrower and Co-borrower, the Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the $1,000 of eligible purchases.  If a supplementary cardholder completes the last qualifying transaction, the Point Bonus will be credited to the Primary Borrower’s Scene+ account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. All other terms and conditions of the Scene+ Program continue to apply during the Offer period.  Offer may be changed, cancelled, or extended without notice at any time and cannot be combined with any other offers.

Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank business credit card in the past 2 years, including those that switch from an existing Scotiabank business credit card, are not eligible for the Offer. Subject to the above exclusions, Scotiabank personal credit cardholders are also eligible for the Offer.  By accepting this Offer you confirm you meet all Offer requirements. We reserve the right to revoke this Offer at any time if we determine you do not meet the Offer eligibility requirements, including after you have accepted the Offer or been approved for the Account. 

Rates and Fees: The current annual fee is $0 for the primary card, $0 for the first additional card and $0 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders).

All rates, fees, features, and benefits are outlined in the Welcome Kit you will receive if approved and are subject to change.

Interest rate depends on whether the Account is secured or unsecured, subject to approval and the security that is provided

All rates, fees and other terms are subject to change. For information on current interest rates and fees, please call 1-888-882-8958 or see the disclosure section of this Card’s Welcome Kit by visiting scotiabank.com/welcomekits for full details.

Interest rate depends on whether the Scotia Home Hardware PRO Visa Business credit card account is secured or unsecured, subject to approval and the security provided. The annual interest rate will vary with Scotiabank Prime and, where applicable, the adjustment factor. Scotiabank Prime is the prime lending rate of Scotiabank published from time to time and is subject to change. Rates are effective as of 15 July 2026 and subject to change without notice. We may also change the adjustment factor with prior notice. You can find the current Scotiabank Prime lending rate at https://www.scotiabank.com/ca/en/personal/rates-prices.html. Learn more about VISA card fees and VISA card interest rates.

Credit limits depend on whether the Scotia Home Hardware PRO Visa Business credit card account is secured or unsecured, subject to approval and the security provided. Credit limit up to $150,000 unsecured or $500,000 secured.

The primary borrower and/or co-borrower are liable for all charges incurred on the Scotiabank credit card account by any supplementary card issued in connection with the account. When you request Scotiabank to issue a supplementary card, we will also issue renewal and replacement cards for such supplementary card, unless the card is cancelled by you or Scotiabank. A Supplementary Cardholder's signature on or use or retention of the supplementary card issued in his or her name shall evidence your receipt of the agreements relating to the account and your acceptance of their terms.

Scene+ Points Regular Earn: You are awarded one (1) Scene+ point for every eligible $1.00 charged and posted to the Scotia Home Hardware PRO Visa Business Account (the “Account”) only at eligible Home Hardware, Home Building Centre, Home Hardware Building Centre locations in Canada and online at homehardware.ca. The list of eligible locations may be changed from time to time without notice. See full list of eligible locations across Canada at Scotiabank.com/participatingstores

To redeem Scene+ points, the Scotiabank Scene+ credit card or debit card must be open and in good standing, and the merchant category code must be recognized by Scotiabank’s system as described in the Scene+ Program Terms and Conditions. The value of the Scene+ points redeemed cannot exceed the amount of the Apply Points to Travel redemption charged to your Scene+ Scotiabank credit card or debit card. Scene+ points redeemed for an Apply Points to Travel redemption cannot be reversed once posted to your Scene+ Scotiabank credit card or debit card.

Points for Credit: You can use your Scene+ points for a credit on participating credit card accounts that earn Scene+ points (the “Eligible Scotiabank Scene+ Card Accounts”). Once the request to redeem Points for Credit has been submitted, you cannot cancel the request and no changes can be made. It may take up to 5 business days for the credit to appear on the eligible Scotiabank Scene+ credit card account. Your Eligible Scotiabank Scene+ Card Account must be open at the time the credit is applied to the account to receive any Points for Credit.

For credit cards: Points for Credit redemptions will be applied towards the balance of the credit card account, and not towards a particular transaction. Please note that even if you redeem Points for Credit you are still responsible for making any monthly minimum payment applicable to your eligible Scotiabank Scene+ credit card account by your payment due date.

See the applicable “Points for Credit” section of the “Additional Terms and Conditions for Scotiabank Visa Cardmembers” for details at sceneplus.ca/terms-and-conditions.

Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpayforbusiness to learn more.

All rates, fees, information and other features and benefits are subject to change.

Get up to 8 cents per litre in instant fuel discounts for a limited time and earn up to 2 cents per litre in Scene+ Points Value with a Scotia Home Hardware PRO Visa Business Card linked to a Shell Go+ Account: 

• Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions. 

• Instant 5 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 5 cents per litre discount on purchases of V-Power®* gasoline, or V-Power®* diesel (“Premium Fuel Purchases”) Premium Fuel Purchases at participating Shell locations in Canada when you use your linked Scotia Home Hardware PRO Visa Business credit card, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.

• Earn up to 2 cents per Litre in Scene+ Points Value (Equivalent) on Fuel Purchases: As a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotia Home Hardware PRO Visa Business credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 2 cents of redeemable Scene+ Points Value based on a redemption value of $10 for every 1000 Scene+ points redeemed for fuel purchases at participating Shell Locations. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.  

Note: Highest value of 10 cents per litre assumes a Premium Fuel Purchase made with a Scotia Home Hardware PRO Visa Business card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points. 

The Visa Spend Clarity for Business service is provided by Visa Canada. The Bank of Nova Scotia and its affiliates are not responsible for the Visa Spend Clarity for Business service.

Visa SavingsEdge is an automated discount program offered by Visa Canada Corporation ('Visa Canada') to eligible businesses and their authorized cardholders that hold an eligible Visa Business card and whose enrollment in the program is accepted by Visa. Under the program, cardholders can receive discounts from participating merchants each time the cardholder uses an enrolled Visa Business card to make qualifying purchases of goods or services pursuant to an active discount offered by the merchant and that transaction is processed or submitted through the Visa payment system. Discounts provided will appear as credits on future credit card statements within approximately 60  days after purchase date. Visa Canada, not Scotiabank, is responsible for the Program. For details, visit visasavingsedge.ca. The following Scotiabank Visa Business credit cards are eligible for this program: Scotia® Home Hardware PRO Visa* Business Card, Scotiabank Passport ® Visa Infinite Business* Card, ScotiaGold® Passport for business Visa, Scotia Momentum® for business Visa* card, and ScotiaLine® for business Visa* Card or such additional Scotiabank Visa Business credit cards that we may issue from time to time.

The savings of up to 25% applies to Avis and Budget base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. The Bank of Nova Scotia is not responsible for, and provides no representations, warranties or conditions regarding this offer or any Avis or Budget products or services.

Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificate of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers. 

Scotia Business Loan Protection is underwritten by The Canada Life Assurance Company: Tel: 1-800-387-2671, www.canadalife.com under a Group Policy issued to the Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrollment.