Scotiabank Value®
Visa* Card

Save up to hundreds of dollars a year on interest.1

Special Offer

0% introductory interest rate on balance transfers for the first 10 months (12.99% and then after that 13.99% starting August 1, 2024; annual fee $29).2 Plus no annual fee in the first year2

Is this Credit Card right for you?

Right for you if you:

  • Would like the option of paying an annual fee to receive a lower interest rate
  • Want to obtain a convenient and secure payment method for everyday purchases, that can also help you to build your credit history if you make at least your minimum payments on time each month
  • Want an interest free grace period on purchases
  • Usually carry a balance on your card (consistently each month)

May not be right for you if you:

  • Prefer cash back or reward points
  • Don’t mind a higher interest rate on your card as you don’t carry a balance often (consistently pay off your balance in full), and value additional rewards and benefits offered by one of our other Cards

Fees, rates & other information

Annual fee3 $29/year (Special offer: First-year annual fee waived2)
Low interest rates3

12.99% on purchases

12.99% on cash advances (including balance transfers, Scotia Credit Card Cheques and cash-like transactions)

Minimum credit limit3 $500
Each supplementary Card3 $0/year

What's included with your Card

Scotia SelectPayTM

A flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with low interest rates on your plan and no installment plan fee.10

Limited Time Offer

Choose from flexible Scotia SelectPayTM* installment plans on eligible Home Hardware purchases made with your Scotiabank Value® Visa* credit card, of up to 24 months with no interest and no fees on plans†.

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.

Get the Scotiabank Value® Visa* Card

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Our lowest interest rate credit card

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Discover your credit card rewards

Enter your monthly spend details to compare Scotiabank's credit card benefits and calculate your rewards.

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Choose the right credit option for you

Tell us about your spending and borrowing needs and we'll help you find the credit solution that's right for you.

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