ScotiaLine® for business Visa* Credit Card

Interest rate depends on whether the ScotiaLine for business VISA 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 of15 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 depends on whether the ScotiaLine for business Visa 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.

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.

 Cardholders with a Scene+ membership who link their ScotiaLine for business Visa Credit Card and their Scene+ account to a Shell Go+ Account can get up to 5 cents per litre in instant fuel discounts and Scene+ Points Value when they purchase eligible fuel with their linked credit card: 

• 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. 

• Scene+ Members earn up to 2 cents per Litre in Scene+ Points Value: As a Scene+ Member, you will automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades) when they present or make available their Scene+ account number or Scene+ membership card at the time of purchase. Plus, Scene+ Members who link their Scene+ account to the Shell Go+ app will automatically earn 1 Scene+ points for each litre of V-Power®* gasoline or V-Power®* diesel purchased (“Premium Fuel Purchases”). Scene+ Points Value is based on an average redemption value of $10 for every 1000 Scene+ points redeemed on fuel purchases. 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 5 cents per litre assumes a Premium Fuel Purchase made with your ScotiaLine for business Visa Credit Card linked to a Shell Go+ Account. Actual value will vary depending on whether or not the credit card is linked, fuel grade purchased, cost of fuel at time of purchase, whether or not you are a Scene+ member, and how you choose to redeem your Scene+ points. 

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 www.visasavingsedge.ca. The following Scotiabank Visa Business credit cards are eligible for this program: Scotiabank Passport® Visa Infinite Business* card, Scotia Momentum® for business Visa* card, ScotiaGold Passport® 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.