Scotia® Home Hardware PRO Visa* Business Card
Earn 1 Scene+TM* point for every $1 spent on your credit card for eligible business purchases at Home Hardware.1
Earn up to 7,500 bonus Scene+ points in your first 3 months (that’s up to $75 in points value). See offer details. 1
Product benefits
- Earn Scene+ points at Home Hardware and redeem with any Scene+ rewards partner.
- Use at any retailer where Visa is accepted.
- Manage your cash flow with a 21-Day interest free grace period on new purchases.2
Fees, rates & other information3
Annual fees3
Interest rates4
Credit limit5
Each supplementary Card6
Get rewarded with Scene+
Built to help you build more rewards
Earn 1X at Home Hardware1
Earn 1 Scene+ point for every $1 spent on your card for eligible business purchases at Home Hardware.1
Redeem at participating partners
Redeem your Scene+ points on what you want for your business – business travel, office improvements, entertainment, groceries, gift cards from 60+ brands, tech, and even account credits. Learn more.7
Visa Spend Clarity for Business
Powerful Spend Management
Manage Visa Business card expenses more efficiently with Visa Spend Clarity for Business8, a web-based tool that allows you to track expenses and helps you stay on budget.
Your Card comes with great benefits
Take advantage of all the ways a Scotia Home Hardware PRO Visa Business Card can help your business thrive.
Visa* SavingsEdge9
One great program – two paths to savings on your everyday business purchases with Visa SavingsEdge:
- Everyday Savings Offers: automatically available after you enroll, requiring no coupons or codes and are applied as statement credits on enrolled Visa Business cardholder’s future account statements.
- Instant Savings Offers: savings applied to your cart using a promotion code prior to making a qualifying purchase on a participating merchant’s website.
It’s free to join. Visit Visa SavingsEdge to enroll your eligible business and learn more.
Save on car rentals10
As a Scotia Home Hardware PRO Visa Business cardholder, you can save up to 25% off base rates at participating AVIS locations Worldwide and at participating Budget locations in Canada and the U.S. when you pay with your Scotia Home Hardware PRO Visa Business card.
Save time at the checkout
Tap your Scotia Home Hardware PRO Visa Business Card or your mobile wallet for quick easy payments.
Visa payWave* 11 – Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!
Click to Pay12 – Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.
Also, use your phone to make on-the-go payments with:
- Google Pay
- Samsung Pay13
- Apple Pay14
Get a supplementary Card
Add Supplementary cards for your employees5. One account, multiple cards. Added benefits!
Scotia SelectPayTM
A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with a low interest rate and/or installment fee on your plan.20
Let’s get started!
Apply online
Scotia® Home Hardware PRO Visa* Business Card
By phone
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Scene+ makes every experience more rewarding.
Scene+ is our enhanced rewards program that allows members to earn and redeem points for travel, shopping, dining and more.
Manage your credit card
Welcome Kit Booklet: includes Card Disclosure Statement and Certificate of Insurance
Manage your credit card
Lost or stolen credit cards
Visa Zero Liability Policy
Small Business Loan Protection
Revolving Credit Agreement (Visa / AMEX / Lines of credit)
PRO Rewards Catalogue
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.
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.
Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.
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