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

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

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

Discover your credit card rewards

Enter your monthly spending details to compare Scotiabank’s credit card benefits and calculate your rewards.

Meet with a Scotiabank advisor

Book a meeting with a Scotiabank advisor today and start the conversation.

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