Get the Scotiabank Value® Visa* credit card

Are you a Scotiabank customer with access to online banking?

Are you new to Canada in the past three years?
Visit a branch to apply. Use our Branch Locator

Save time 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

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.

Apple Pay5 & Google Pay - The easy, secure, and private way to pay with your eligible Scotiabank credit cards.

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.

Scotiabank Value® 
Visa* Card

0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)1

Low interest rate


Convenient with Visa payWave*simply wave your card and go!2

Are you new to Canada in the past three years?

Visit a branch to apply.

Use our Branch Locator

Try our calculator to find out exactly

how far ahead you’ll be!

Calculate and Save

Great reasons to get this card for your everyday purchases

Save up to hundreds of dollars a year on interest

  • Try our calculator below to find out exactly how far ahead you’ll be – 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 Scotiabank Value Visa Credit 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


    12.99 on purchases. 12.99 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 Scotiabank Value Visa Card.

    Get a Supplementary Card

    Add an additional Supplementary Cardholder to your Scotiabank Value® Visa* Card. One account, multiple cards. Added benefits! Get an additional Card for a friend or family member4

    More details, Get a Supplementary Card
    Save time at the checkout

    Tap your Scotiabank Value® Visa* Card or your smartphone for quick easy payments.

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

    As a 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 Scotiabank Value Visa card.                                

    More details, Save on car rentals

    Scotia SelectPayTM

    A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.§

    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

    A bank account that does more, means you will too. 

    Receive an annual fee waiver on select credit cards by signing up for a Preferred Package or Ultimate Package.

    Scotiabank Value® Visa* Card

    In Person

    Make an appointment

    Find a branch
    By Phone

    takes about 8 minutes

    1 (800) 747-3208
    Apply Online

    Our lowest interest rate credit card

    Apply Now