Scotiabank® GM®*
Visa* Card

Rates & Fees

$0 Annual Fee

New to Canada?

No credit history needed.

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Scotia GM Visa Card

GM earnings calculator

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Existing Customer? Apply Now

Great reasons to get this card for your everyday purchases

  • Earn 5% in GM Earnings1 on the first $5,000 spent annually, and 2% thereafter

  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac

  • Earnings do not expire2

  • No earning or redemption caps3

  • Enjoy the same great rewards in 5 unique designs

  • Purchase security and extended warranty4

  • Fees, Rates & Other Information

    Annual Fee



    Interest Rate


    At least 21 days Interest-Free Grace Period. 17.99% on purchases, 17.99% on cash advances, balance transfers and Scotia@ Credit Card cheques.

    Credit Limit



    Learn more about VISA card fees and VISA card interest rates.

    Interest rates, fees and features are subject to change.

    Annual Interest Rates effective as of October 1, 2018: The preferred Annual Interest Rate of 17.99% on purchases and 17.99% on cash advances, balance transfers, and Scotia Credit Card Cheques is effective until September 30th, 2018,. Effective October 1, 2018, the preferred Annual Interest Rates will increase to 19.99% on purchases and 22.99% on cash advances, balance transfers and Scotia Credit Card Cheques.

    Your card comes with benefits

    Special Discounts

    AVIS Car Rentals

    Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your Scotiabank GM VISA Card at any participating location. Or visit or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

    Scotia® Credit Card Cheques5 

    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.

    Easy Access- expand for more details

    When you link your Scotiabank GM VISA account to your ScotiaCard® debit card you can use TeleScotia® Telephone Banking and Scotia OnLine® Financial Services for Scotiabank VISA account information.

    Visa payWave*
    Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!

    My Mobile Wallet
    My Mobile Wallet is now included with the FREE Scotiabank Mobile Banking app and lets you tap your smartphone on the terminal to pay. Just look for the Visa payWave™ symbol at the checkout.


    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 $1.09 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.


    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

    Order Supplementary Cards
    Add a Cardholder to your Credit Card Account 
    - It’s easy!

    Ready to Apply

    By Phone

    Call the Scotiabank Credit Card Centre
    Mon-Fri (9am-8pm ET)

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    In Person

    Make an appointment at your local branch

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    Apply Online

    3 easy steps, only 5 minutes 100% safe and secure

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