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Scotiabank® GM®*
Visa Infinite* Card
First year annual fee waived1
Earn up to 5% in GM Earnings1 on the first $10,000 of everyday purchases annually
5%
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Winner of the 2020 CreditcardGenius Best Store Credit Card.
Great reasons to get this card for your everyday purchases
Earn GM earnings
Earn up to 5% in GM Earnings1 on the first $10,000 of everyday purchases annually, and 2% thereafter
$1 in GM Earnings = $1 off the purchase price or lease down payment 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
Pay no annual fee for the first year1
Enjoy the same great rewards in 5 unique designs (GM, Chevrolet, BUICK, GMC or Cadillac)
Enjoy benefits
Travel with peace of mind with Visa Infinite benefits, including Travel Medical Insurance, Rental Car Insurance, Trip Interruption Insurance, and more4
Fees, Rates & Other Information5
Annual Fee
79
39 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
5000
Minimum
Your card comes with benefits
As a Scotiabank GM Visa Infinite Cardholder, you’ll enjoy exclusive advantages.
Save on car rentals
As a Scotiabank GM Visa infinite 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 infinite card.
Get a supplementary card
Add an additional Supplementary Cardholder to your Scotiabank GM Visa Infinite Account. One account, multiple cards.6
Save time at the checkout
Tap your Scotiabank GM Visa Infinite 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.
Travel with 7 types of coverage
Relax… While you’re away you have comprehensive travel protection.
Travel Emergency Medical Insurance4
As the primary cardholder, you, your spouse and accompanying dependent children are each automatically covered for up to $1 million in emergency medical coverage if sudden and unexpected illness or accidental injury should occur while travelling outside your province or territory of residence in Canada.
Trip interuption4
The Scotiabank GM Visa Infinite Card can protect your travel investment with trip interruption insurance at no extra cost.
Flight Delay4
You may be reimbursed for eligible reasonable living expenses incurred during the period of a delayed flight or missed connection which lasts four (4) hours or more to a limit of $500 per trip for all insured travellers.
Delayed and Lost Baggage4
When you purchase common carrier tickets with your Scotiabank GM Visa Infinite Card, you are eligible for coverage against the loss or the delay of your checked luggage.
Up to $500,000 Common Carrier Travel Accident Insurance4
When you charge at least 75% of the full cost of common carrier travel fares to your Scotiabank GM Visa Infinite Card, you, your spouse and dependent children will be automatically insured against accidental loss of life, or dismemberment.
Rental Car Collision/Loss Damage Insurance4
When you charge the entire cost of car rental to your Scotiabank GM Visa Infinite Card and decline the agency’s collision damage waiver or loss damage waiver (or similar provision) at the time of rental, you’ll be insured if your rental vehicle is damaged, or stolen.
Purchase Security and Extended Warranty4
Most personal items purchased anywhere in the world are automatically insured against theft, loss or damage – as long as the full cost of the item is charged to your Scotiabank GM Visa Infinite Card.
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
Offer Description and Conditions: The First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotiabank GM Visa Infinite credit card accounts (“Accounts”) that are opened, and any supplementary Account cards issued, by July 1, 2021 subject to the conditions below. We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.
Rates and Fees: The current annual fee is $79 for the primary card and $39 for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.
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 deleted permanently. 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. The enclosed insurance certificates contain full details of all coverages underwritten by American Bankers Life Assurance Company of Florida and/or American Bankers Insurance Company of Florida. The Bank of Nova Scotia is not an insurer. 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.
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.
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.
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.