Are you a new or existing customer?

Save time at the checkout

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.

Visa payWave* - Save time when paying for small, everyday purchases with Visa payWave. Simply wave your Card over the card reader and go!2

Apple Pay - The easy, secure, and private way to pay with your eligible Scotiabank credit cards.4

Click to PayΔ* - Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.

No Fee Scotiabank Value®
Visa* Card

3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)1

No Annual Fee


Convenient with Visa payWavesimply wave your card and go!2


Important Notice:


Effective April 1, 2021 we are making changes to the No Fee Scotiabank Value Visa Card, including changes to the interest rates, the annual fee and other fees and a name change. View more details on all changes here

Great reasons to get this card

Save up to hundreds of dollars a year

  • Save with the combination of a low interest rate and no annual fee – it could add up to hundreds a year!

  • Pay down higher interest rates balances faster

  • Stay one step ahead of your balance – a lower interest rate makes this card an affordable way to finance those medium to large purchases you are making.

  • Transfer higher rate balances and save even more

  • Switch balances over from higher interest-rate credit cards to the No Fee Scotiabank Value® Visa* Card. By consolidating your higher rate balances, you’ll save on interest and make paying bills easier.

  • Fees, Rates & Other Information3

    Annual Fee


    0 each Supplementary Card

    Interest rates


    16.99 on purchases. 16.99 on cash advances, balance transfers and Scotia Credit Card Cheques

    Credit Limit



    Your card comes with benefits

    Take advantage of all the benefits of a No Fee Scotiabank Value® Visa* Card.

    Save time at the checkout

    Tap your No Fee Scotiabank Value® Visa* Card or your smartphone for quick easy payments.

    More details, Save time at the checkout
    Save on car rentals

    As a No Fee Scotiabank Value® 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 No Fee Scotiabank Value® Visacard.        

    More details, Save on car rentals

    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
    Effective December 1, 2020 this card is stop sold and is no longer available to customers. Information is provided here to service existing customers.