Effective June 15, 2022 customers can no longer apply for or switch to this card. Information provided here is to service existing customers.
Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter.1
Is this Credit Card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases, that can also help you to build your credit history if you make at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Prefer cash back or other types of rewards available with our other Cards
Fees, rates & other information
19.99% on purchases
22.99% on cash advances (including balance transfers, Scotia Credit Card Cheques and cash-like transactions)
|Minimum credit limit2||$500|
|Each supplementary Card2||$0/year|
What's included with your Card
Great reasons to get this card for your everyday purchases
Earn GM earnings
- Earn up to 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter.1
- $1 in GM Earnings = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac.
- Earnings do not expire as long as you are a cardholder.3
- No earning caps or redemption limits.4
- Purchase security and extended warranty.5
- Enjoy the same great rewards in 5 unique brand designs (GM, Chevrolet, BUICK, GMC or Cadillac).
Try our calculator to find out exactly how far ahead you’ll be!
Manage your credit card
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. Please refer to the GM Card Earnings Program Terms and Conditions for details.
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.
Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificates 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.
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, including Avis Preferred Plus membership and services and those obtained under this offer, which are governed solely by Avis’ terms and conditions. Avis Preferred Plus membership and services are provided by Avis.
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.
All Scotiabank retail credit cards, except ScotiaLine Visa card, will have Visa payWave when issued or reissued.
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
Click to Pay is an online checkout solution provided by a third party that supports American Express, Mastercard and Visa cards and is based on EMV® SRC Specifications. The Bank of Nova Scotia is not responsible for this service.
Registered trademarks of The Bank of Nova Scotia.
Trademark of Visa International Association and used under license.
Registered trademarks of General Motors LLC. The Bank of Nova Scotia is an authorized user of General Motors LLC marks for the GM Card Program.
The Scotiabank StartRight Program created for Canadian Landed Immigrants from 0-3 years in Canada, International Students and Foreign Workers.