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Scotiabank® GM®*
Visa* Card
5% in GM Earnings1 on the first $5,000 spent annually
5%
2% in GM Earnings on purchases thereafter1
2%
Earnings do not expire as long as you are a cardholder2
Scotiabank Rewards Calculator
Calculate and SaveGreat reasons to get this card for your everyday purchases
Earn GM earnings
Earn up to 5% in GM Earnings1 on the first $5,000 spent annually, and 2% thereafter
$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 cardholder2
No earning caps or redemption limits3
Purchase security and extended warranty4
Enjoy the same great rewards in 5 unique designs (GM, Chevrolet, BUICK, GMC or Cadillac)
Fees, Rates & Other Information5
Annual Fee
0
0 each Supplementary Card
Interest Rates
19.99 / 22.99
19.99 on purchases. 22.99 on cash advances, balance transfers and Scotia Credit Card Cheques
Credit Limit
500
Minimum
Your card comes with benefits
Save on car rentals
As a Scotiabank GM Visa Cardholder, you can save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S. when you pay with your Scotiabank GM Visa card.
Get a supplementary card
Add an additional Supplementary Cardholder to your Scotiabank GM Visa Account. One account, multiple cards.6
Save time at the checkout
Tap your Scotiabank GM Visa Card or your smartphone for quick easy payments.
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.
Effective July 1, 2021, we are making changes to the insurances that are included with your Scotiabank Credit Card Accounts.
Scotia Credit Card Protection (optional)
This optional insurance coverage can provide you and your family financial protection by paying off your outstanding account balance or helping to cover your monthly credit card payments as a result of certain unexpected life events, such as Death, Critical Illness, Hospitalization, Disability, Job Loss or Strike or Lockout.
There are two different coverage bundles to choose from:
Basic Protection
- Death Benefit
- Critical Illness Benefit
- Hospitalization Benefit
Comprehensive Protection
- Death Benefit
- Critical Illness Benefit
- Hospitalization Benefit
- Disability Benefit
- Job Loss Benefit
- Strike or Lockout Benefit
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.
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.