Earn up to 5% in GM Earnings1 on the first $5,000 spent annually, and 2% thereafter
Rates & Fees
$0 Annual Fee
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
At least 21 days Interest-Free Grace Period. 17.99% on purchases, 17.99% on cash advances, balance transfers and Scotia@ Credit Card cheques.
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
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 www.AVIS.com 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.
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.
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.
Order Supplementary Cards
Add a Cardholder to your Credit Card Account
- It’s easy!
You will earn 5% in GM Earnings on the first $5,000 of net purchases made annually with your Scotiabank GM VISA CARD. You earn 2% in GM Earnings on net purchases thereafter. GM Earnings are not awarded for cash advances, balance transfers, Scotia® Credit Card Cheques, credit vouchers, payments, returns, fees or interest
If you cancel your credit card, your credit privileges are revoked or your account is closed, your GM Earnings must be redeemed within 90 days or they will be forfeited. If your account is not in good standing, GM Earnings are not eligible for redemption. Please refer to the GM Card Earnings Program Terms and Conditions for details.
Earnings may be applied toward the Total Purchase Price or lease down payment of any eligible new Chevrolet, Buick, GMC, or Cadillac. The "Total Purchase Price" consists of the vehicle price (up to the Manufacturer's Suggested Retail Price), freight and PDI, air tax, and applicable sales taxes. The "Total Purchase Price" excludes costs associated with licensing, registration, insurance, dealer fees, accessories, additional options, extended warranties, maintenance or service plans and other services such as OnStar and SiriusXM. OnStar and the OnStar emblem are registered trademarks of OnStar, LLC. 2016 Sirius XM Radio Inc. Sirius, XM and all related marks and logos are trademarks of Sirius XM Radio Inc.
For all insurance coverage, certain limitations, restrictions and exclusions apply. You will receive a Certificate of Insurance, which contains a full description of coverage. Please read them carefully. All claims for insurance indemnities must be forwarded to the insurers.
Subject to available credit. Scotia Credit Card Cheques are treated as a cash advance and interest applies from the transaction date until the amount is repaid in full.
The Primary Cardholder on the Scotiabank GM Visa Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder.
Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105
Registered trademarks of The Bank of Nova Scotia.
Trademark of Visa International Association and used under license.
The Scotiabank StartRight Program created for Canadian Landed Immigrants from 0-3 years in Canada, International Students and Foreign Workers.
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.