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Scotiabank Value®
Visa* Card
Save up to hundreds of dollars a year on interest
SAVE
Low interest rate
12.99%
Convenient with Visa payWave*simply wave your card and go!2
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
29
0 each Supplementary Card
Interest rates
12.99 / 12.99
12.99 on purchases. 12.99 on cash advances, balance transfers and Scotia Credit Card Cheques
Credit Limit
500
Minimum
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
Save time at the checkout
Tap your Scotiabank Value® Visa* Card or your smartphone for quick easy payments.
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.
Feel reassured (Optional protection)
Your finances can have added protection from some of life's unpredictable events, like disability, job loss, strike or lockout, critical illness or loss of life.
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
Offer Description and Conditions: The introductory 0.99% interest rate applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below (the “Offer”). This rate applies when the new Scotiabank Value Visa credit card account (“Account”) is opened by October 31, 2020 and will continue for 6 months from date of Account opening (the “Promotional Period”). This Offer is subject to any available limit for Cash Advances (the “Cash Advance Available Limit”) on your Account. This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank account. After the Promotional Period, the 0.99% interest rate on any promotional Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 12.99%). If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances). Offer may be changed, cancelled or extended 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.
Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.
A Balance Transfer fee of 0% of the amount of each Balance Transfer transferred during the Promotional Period applies to this Offer.
Rates and Fees: The current annual fee is $29 for the primary card and $0 for each additional supplementary card.
The current preferred annual interest rates for the Account are: 12.99% on purchases and 12.99% on Cash Advances. All rates, fees, features and benefits are subject to change.
All Scotiabank retail credit cards, except ScotiaLine Visa card, will have Visa payWave when issued or reissued.
For current rates and information on fees and interest cost, call 1-888-882-8958. Interest rates, annual fees and features are effective as of January 20, 2017 and are subject to change without notice. Learn more about credit card fees and interest rates.
The Primary Cardholder on the Scotiabank Value® 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 Trademark of The Bank of Nova Scotia
Visa Int./Licensed User.
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.