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


New to Canada?

No credit history needed.

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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


    0.0 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
    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.

    More details, Feel reassured (Optional protection)

    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