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

0% introductory interest rate on balance transfers for the first 6 months (12.99% after that; 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

Fee & Rates


Annual Fee3

$29 /year

Interest Rates3

12.99% on purchases
12.99% on cash advances

(including balance transfers, Scotia Credit Card Cheques and cash-like transactions)

Move money

Minimum credit limit3

Request money

Supplementary Card3

$0 /year

Additional Benefits

  • Pay down higher interest rates balances faster.
  • Transfer higher rate balances to your card and save even more on interest.
  • Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the U.S. when you pay with your Scotiabank Value Visa Card.5
  • 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.10
  • Optional Scotia Credit Card Protection insurance. Coverage to help you and your family stay financially on track through unexpected events.9

Scotiabank Rewards Comparison

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Meet with a Scotiabank advisor

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