Scotia^® Home Hardware PRO Visa^* Business Card 

Offer Description and Conditions: The 7,500 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotia Home Hardware PRO Visa Business credit card accounts (“Account”) opened by April 30, 2025, and is subject to the below terms and conditions. 

 

To be eligible for 7,500 bonus Scene+ points (the “ Point Bonus”), you must open a new Account by April 30, 2025, and have at least $1,000 in eligible purchases made at Home Hardware, Home Building Centre, Home Hardware Building Centre, Home Furniture locations in Canada and online at homehardware.ca posted to your new Account in the first 3 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees, or other charges. 

 

The Point Bonus will be credited approximately 8 weeks after the qualifying $1,000 in eligible purchases has been  posted to the Account within the first 3 months of the Primary cardholder’s Account open date, provided the Account is open and in good standing.  For Joint Accounts with a Primary Borrower and Co-borrower, the  Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the $1,000 of eligible purchases.  If a supplementary cardholder completes the last qualifying transaction, the point bonus will be credited to the Primary Borrower’s Scene+ account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. All other terms and conditions of the Scene+ Program continue to apply during the Offer period.  Offer may be changed, cancelled, or extended without notice at any time and cannot be combined with any other offers.

 

Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank small business credit card in the past 2 years, including those that switch from an existing Scotiabank small business credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank personal credit cardholders are also eligible for the Offer. 

 

Rates and Fees: The current annual fee is $0 for the primary card, $0 for the first additional card and $0 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders).

All rates, fees, features, and benefits are outlined in the Welcome Kit you will receive if approved and are subject to change. 

Not including cash advance and balance transfers. Provided that you pay your balance in full by the payment due date.

All rates, fees and other terms are subject to change. For information on current interest rates and fees, please call 1-888-882-8958 or see the disclosure section of this Card’s Welcome Kit by visiting scotiabank.com/welcomekits for full details.

Interest rate depends on whether the Scotia Home Hardware PRO Visa Business credit card account is secured or unsecured, subject to approval and the security provided. Scotiabank Prime Rate is the prime lending rate published from time to time by The Bank of Nova Scotia. The current Scotiabank Prime Rate can be found at scotiabank.com/ca/en/small-business/rates-prices.html. 

Credit limits depends on whether the Scotia Home Hardware PRO Visa Business credit card account is secured or unsecured, subject to approval and the security provided. Credit limit up to $150,000 unsecured or $500,000 secured.

The primary borrower and/or co-borrower are liable for all charges incurred on the Scotiabank credit card account by any supplementary card issued in connection with the account.

To redeem Scene+ points, the Scotiabank Scene+ credit card or debit card must be open and in good standing, and the merchant category code must be recognized by Scotiabank’s system as described in the Scene+ Program Terms and Conditions. The value of the Scene+ points redeemed cannot exceed the amount of the Apply Points to Travel redemption charged to your Scene+ Scotiabank credit card or debit card. Scene+ points redeemed for an Apply Points to Travel redemption cannot be reversed once posted to your Scene+ Scotiabank credit card or debit card.

Points for Credit: You can use your Scene+ points for a credit on participating credit card accounts that earn Scene+ points (the “Eligible Scotiabank Scene+ Card Accounts”). Once the request to redeem Points for Credit has been submitted, you cannot cancel the request and no changes can be made. It may take up to 5 business days for the credit to appear on the eligible Scotiabank Scene+ credit card account. Your Eligible Scotiabank Scene+ Card Account must be open at the time the credit is applied to the account to receive any Points for Credit.

For credit cards: Points for Credit redemptions will be applied towards the balance of the credit card account, and not towards a particular transaction. Please note that even if you redeem for Points for Credit you are still responsible for making any monthly minimum payment applicable to your eligible Scotiabank Scene+ credit card account by your payment due date.

See the applicable “Points for Credit” section of the “Additional Terms and Conditions for Scotiabank Visa Cardmembers” for details at sceneplus.ca/terms-and-conditions.

The Visa Spend Clarity for Business service is provided by Visa Canada. The Bank of Nova Scotia and its affiliates are not responsible for the Visa Spend Clarity for Business service.

Visa SavingsEdge is an automated discount program offered by Visa Canada Corporation ('Visa Canada') to eligible businesses and their authorized cardholders that hold an eligible Visa Business card and whose enrollment in the program is accepted by Visa. Under the program, cardholders can receive discounts from participating merchants each time the cardholder uses an enrolled Visa Business card to make qualifying purchases of goods or services pursuant to an active discount offered by the merchant and that transaction is processed or submitted through the Visa payment system. Discounts provided will appear as credits on future credit card statements 4-6 weeks after purchase date. Visa Canada, not Scotiabank, is responsible for the Program. For details, visit visasavingsedge.ca. The following Scotiabank Visa Business cards are eligible for this program: Scotia® Home Hardware PRO Visa* Business Card, Scotiabank Passport™ Visa Infinite Business* Card, Scotia Momentum® for business Visa* card, and ScotiaLine® for business Visa* Card.

The savings of up to 25% applies to Avis and Budget base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. The Bank of Nova Scotia is not responsible for, and provides no representations, warranties or conditions regarding this offer or any Avis or Budget products or services.

The Scotia Home Hardware PRO Business Visa Card, will have Visa payWave when issued or reissued. Visa payWave™ is a Trademark of Visa Int./Lic. 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.

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.

Samsung Pay allows customers to make contactless purchases under $100 using an eligible Samsung device and your Scotiabank®*debit, Visa*, American Express and Prepaid Reloadable cards. Contactless limits may vary. Merchants set their own limits for the maximum value of a Visa payWave transaction that does not require a signature or PIN.

The Certificate of Insurance provided with your card contains full details of all coverages such as definitions, benefits, limitations, and exclusions. Please read the Certificate of Insurance carefully. Insurance coverage is underwritten by First North American Insurance Company (FNAIC), a wholly owned subsidiary of The Manufacturers Life Insurance Company (Manulife). The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the insurer.

Scotia Business Loan Protection is underwritten by The Canada Life Assurance Company: Tel: 1-800-387-2671, www.canadalife.com under a Group Policy issued to the Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrollment.

1% of the Comprehensive coverage amount, monthly benefit up to $7,500 for a maximum of 24 months per claim or 48 months maximum per lifetime.

2% of the Comprehensive coverage amount, up to $15,000 paid in one lump sum amount.

To a maximum of $2,000,000.   

Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpay to learn more.

All rates, fees, information and other features and benefits are subject to change.

Registered trademark of The Bank of Nova Scotia.

Trademark of The Bank of Nova Scotia.

Visa Int. / Lic. User.

The Bank of Nova Scotia authorized user of the mark.

Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.

Apple is a trademark of Apple Inc., registered in the U.S. and other countries and regions. Android, Google Play, and the Android Logo are trademarks of Android Inc

All other trademarks are owned by their respective owners.