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Trending searchesYour cash advance rate applies to cash advances (including balance transfers, and cash-like transactions).
Available now in Alberta, and rolling out nationally on May 26, 2026, eligible Scotiabank clients can earn and save on fuel purchases at Shell. Learn more
Whether you’re visiting the U.S. or shopping online in U.S. dollars, you can use your Scotiabank U.S. Dollar Visa Card without worrying about foreign currency conversion fees on U.S. dollar purchases. Transactions made in any currency other than U.S. dollars will still be subject to the foreign currency conversion fees that apply to your Scotiabank U.S. Dollar Visa Card.3
All applicable fees for your Card are charged in U.S. dollars.
If you have a Scotia® U.S. Dollar Daily Interest Account, you can pay your Scotiabank U.S. Dollar Visa Card balance directly with USD.
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 U.S. Dollar Visa Card.5
To book with Avis, visit avis.com/scotiabankUSvisa or call 1-800-879-2847. Use the AVIS worldwide discount code C030309.
To book with Budget, visit budget.com/scotiabankUSvisa or call 1-800-268-8900. Use the Budget Corporate Discount code A363318.
Most new purchases made with your card are protected against theft, loss, or damage for 90 days from the purchase date.4
Plus, when you charge the full cost of most items to your card, extended warranty coverage can double the original manufacturer’s warranty for up to one year.
Items covered by a manufacturer’s warranty repair services of five years or more must be registered within the first year of purchase.
Coverage is limited to the lesser of the repair or replacement cost not exceeding the purchase price charged to the Account and is in excess of any other insurance coverage.4
This insurance helps protect your finances by helping cover your balance or monthly payments during unexpected life events6, such as:
There are two different coverage bundles to choose from6:
Basic Protection
Comprehensive Protection
When you make a purchase or cash advance in a foreign currency other than your credit card’s, you may be charged a foreign currency conversion fee in addition to the exchange rate that applies. Foreign currency transactions can occur online or outside of Canada, depending upon your card's currency.
Note: If you have a Scotiabank U.S. Dollar credit card account, transactions are processed in U.S. Dollars on your account.
Please review the Fees at a glance page on our website for current information about the foreign currency conversion fee.
To see if foreign currency conversion fees apply to your card, you can review your Credit Agreement and the disclosure statement for your credit card account. You may also want to check if one of our Scotiabank credit cards with no foreign currency conversion works for you.
Select either U.S. dollars or Canadian dollars after you enter the amount you would like to transfer. You can select the calculate button to convert both currencies before you complete your transfer.
Visit the Foreign Currency Exchange Rates page on our website to see the daily foreign exchange rates for over 25 currencies.
To activate a Visa or American Express card:
For Mastercard:
Once activated, you can use your card right away.
To add a supplementary card to your credit card account:
We'll ask a few quick questions including ones about your job, your yearly income, and where you live.
This card might not be right if you:
Registered trademarks of The Bank of Nova Scotia.
Visa Int. / Licensed User
For current rates and information on fees and interest fees, call 1-888-882-8958. Interest rates, annual fees and features are subject to change without notice. Learn more about credit card fees and interest rates.
The primary cardmember and/or co-borrower are liable for all charges incurred on the Scotiabank credit card account by any supplementary card issued in connection with the account.
See the Foreign Currency Conversion section of the Disclosure Statement for this Card for full details. Rates and fees are subject to change.
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.
Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada: Tel: 1-800-387-7199, Option 3, or www.chubb.com under a Group Policy issued to The Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment.
