Scotiabank® GM®* Visa* Business Card

2.99% introductory interest rate on balance transfers for the first 6 months. Plus, first year annual fee waived.1

Scotiabank® GM®* Visa* Business Card

2.99% introductory interest rate on balance transfers for the first 6 months. Plus, first year annual fee waived.1

Apply now
Product Benefits
  • Great reasons to get this card for your everyday business purchases
  • Earnings do not expire as long as you are a cardholder3
  • No earning or redemption caps4

Account Details

Annual Fee

$79

$29 for each additional supplementary card

Interest Rates

19.99% on purchases

$29 on cash advances, balance transfers and Scotia® Credit Card Cheques

Credit Limit

$500

up to $100,000 unsecured

5% in GM Earnings1 on the first

$10,000

spent annually, and 2% thereafter

$1 in GM Earnings 

= $1 towards the purchase price

or lease of a new Chevrolet, Buick, GMC, or Cadillac

Complimentary Services

Start saving for a car when you redeem GM Earnings

Get up to 5% in GM Earnings1 on the first $10,000 spent annually, and 2% on all other everyday business purchases Your earnings will never expire as long as you’re a Cardholder3.

Details

Visa SavingsEdge6

GM Earnings - $1 in GM Earnings = $1 towards the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac. Cardholders also enjoy the following advantages:
• Earnings do not expire as long as you are a cardholder3
• No earning caps or redemption limits6
Purchase Security and Extended Warranty5

Charge the full cost of a new, eligible item to your Card, and that item is automatically insured worldwide against theft, loss or damage for 90 days.

Details

Purchase Security and Extended Warranty

• Most items purchased anywhere in the world are automatically insured against theft, loss or damage as long as the full cost of the item is charged to your Scotiabank GM Visa Business Card.
• Coverage extends for the first 90 days from the date of purchase and is in excess of any other insurance coverage.
• When you use your Scotiabank GM Visa Business Card to purchase most items and charge the full cost of the item to your card, extended warranty coverage doubles the original manufacturer's warranty for up to one year. Items covered by a manufacturer's warranty repair services of five years or more must be registered within the first year of purchase.
Certificate of Purchase Security Insurance
Get supplementary cards

Add an additional Supplementary Cardholder to your Scotiabank Visa Account. One account, multiple cards.6

Details

Accelerate Your GM Earnings
You will earn GM Earnings on the everyday business purchases made by your Supplementary Cardholder at the same rate that you earn on purchases made on your card


Simplify Record Keeping 
Spending on your Scotiabank Visa Account is consolidated into one monthly statement. Transactions made by the additional Supplementary Cardholder are easily identified on your statement.
Remember the primary cardholder is responsible for transactions made by the Supplementary Cardholder.
Save time at the checkout

Tap your Scotiabank GM Visa Business Card or your smartphone for quick easy payments.

Details

Pay Faster

Visa payWave* - Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!2
My Mobile Wallet is now included with the FREE Scotiabank Mobile Banking app and lets you tap your smartphone on the terminal to pay. Just look for the Visa payWavesymbol at the checkout.
Visa Checkout – Now you can checkout online easier with Visa Checkout.
Apple Pay – The easy, secure, and private way to pay with your eligible Scotiabank credit cards.9
Save on Car Rentals

As a Scotiabank GM Visa Business Cardholder, you can save up to 25% (20%) off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S. when you pay with your Scotiabank GM Visa Business Card.

Details

Save on Car Rentals

AVIS reservations may be made online at avis.com/scotiabankGMbusiness or by calling 1-800-TRY AVIS (879-2847). Please quote AVIS worldwide discount number C030308.
Budget Reservations may be made online at Budget.com/scotiabankGMbusiness or by calling 1-800-268-8900. Please quote Budget Corporate Discount number A363317.
Visa SavingsEdge8

Turn business purchases into business savings with Visa SavingsEdge. It's free to join.

Details

Just enrol your eligible Scotiabank Visa Business card at www.visasavingsedge.ca. Then make qualifying10 purchases with your enrolled card at participating merchants. Savings will appear as credits on your future account statements.
Visa Business Reporting Service9

Manage Visa Business card expenses more efficiently with the Visa Business Reporting service, a web-based subscription service from Visa that allows you to track expenses on your business Scotiabank Visa credit card account and helps you stay on budget.

Details

With the Visa Business Reporting service you can:

  • Generate a range of standardized reports, on demand or on a schedule, to track and compare spending by merchant, card, transaction, time period and more
  • Create custom transaction categories to save time tracking expenses and set role-based permissions to ensure appropriate access to data
  • Add notes to each transaction as well as attachments such as scanned or photographed receipts
  • Set spend-based notifications and receive an email from Visa after certain transactions occur
  • Load transactions to eligible accounting software
    Enroll with Visa for the Visa Business Reporting service at https://register.intellilink.visa.com/scotiabank
Visa Payment Controls Service10

Manage expenses on your Scotiabank GM Visa Business Account by deciding where, when and how your business cards are used. Empower employees with a Scotiabank GM Visa Business Card enrolled in the the Visa Payment Controls service.8.

Details

With a simple web application, manage expenses by deciding where, when and how your business cards are used.
• Establish account alerts
• Help prevent unauthorized spending
• Set individual transaction limits
Enroll with Visa for the Visa Payment Controls services at https://vpc.visa.com/VPC/scotiabank_Login
Business Choice Program from GM11

With the GM Business Choice program, you'll have access to options that help offset the cost of getting your new Chevrolet or GMC vehicle work-ready.

Details

Upgrade your vehicle14 with Adrian Steel15 exclusively designed load runner, racks, and toolbox ... or add your own accessories using one of the program's four options. See http://www.gm.ca/gm/english/services/fleet/business-choice/overview for full details.
Feel reassured (Optional protection)

Your finances can have added protection from some of life's unpredictable events, like disability, job loss, critical illness or loss of life.

Details

Scotia Business Loan Protection (Optional)

Scotia Business Loan Protection is simple but effective insurance. If you or another key employee loses the ability to work, Scotia Business Loan Protection can make regular payments or completely pay off your Scotiabank line of credit, loan or credit card. If you or another key employee passes away, your outstanding loan amounts can be paid in full.

Resources

How to apply for Small Business credit

Scotiabank® GM®* Visa* Business Card
2.99% introductory interest rate on balance transfers for the first 6 months. Plus, first year annual fee waived.1
Apply now
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  • 1

    You will earn 5% in GM Earnings on the first $10,000 of net purchases made annually with your Scotiabank GM Visa Business Card. You earn 2% in GM Earnings on net purchases thereafter. GM Earnings are not awarded for cash advances, balance transfers, Scotia® Credit Card Cheques, credit vouchers, returns, refunds or other similar credits, payments, fees or interest. See the GM Card Earnings Program terms and conditions at http://www.scotiabank.com/ca/common/cc/pdf/en/tc_en.pdf for full Program details. The GM Card Earnings Program is operated by the General Motors of Canada Company. The Bank of Nova Scotia and its affiliates are not responsible for the Program including GM Earnings.

  • 2

    All Scotiabank retail credit cards, except ScotiaLine Visa card, will have Visa payWave when issued or reissued.

  • 3

    If you cancel your credit card, your credit privileges are revoked or your account is closed, your GM Earnings must be redeemed within 90 days or they will be forfeited. If your account is not in good standing, GM Earnings are not eligible for redemption. Please refer to the GM Card Earnings Program Terms and Conditions for details.

  • 4

    Earnings may be applied toward the Total Purchase Price or lease down payment of any eligible new Chevrolet, Buick, GMC, or Cadillac. The 'Total Purchase Price' consists of the vehicle price (up to the Manufacturer's Suggested Retail Price), freight and PDI, air tax, and applicable sales taxes. The 'Total Purchase Price' excludes costs associated with licensing, registration, insurance, dealer fees, accessories, additional options, extended warranties, maintenance or service plans and other services such as OnStar and SiriusXM. OnStar and the OnStar emblem are registered trademarks of OnStar, LLC. 2016 Sirius XM Radio Inc. Sirius, XM and all related marks and logos are trademarks of Sirius XM Radio Inc. See the GM Card Earnings Program terms and conditions at http://www.scotiabank.com/ca/common/cc/pdf/en/tc_en.pdf for full Program details. The GM Card Earnings Program is operated by General Motors of Canada Company. The Bank of Nova Scotia and its affiliates are not responsible for the Program including GM Earnings.

  • 5

    Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC) and/or American Bankers Life Assurance Company of Florida (ABLAC). The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the respective insurers. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance provided with the card. Read the Certificate of Insurance then keep it in a safe place with your other valuable documents, and take it with you when you travel.

  • 6

    The Primary Cardholder on the Scotiabank GM Visa Business Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder.

  • 7

    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

  • 8

    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 8-10 weeks after purchase date. Visa Canada, not Scotiabank, is responsible for the Program. For details, visit www.visasavingsedge.ca. The following Scotiabank VISA Business cards are eligible for this program: Scotia Momentum for business Visa* card, Scotia Gold Passport for business Visa* card, ScotiaLine for business Visa* Card, Scotiabank Visa* Business Card, and Scotiabank GM Visa Business Card.

  • 9

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

  • 10

    The Visa Payment Controls service is provided by Visa Canada. Visa Payment Controls only applies to enrolled Visa Business Card transactions that are processed through the VisaNet transaction-processing system and will not block transactions that are processed through non-Visa networks or transactions that occur off-line. Transactions that exceed the Cardholder’s specified authorization parameters also may not be blocked due to incorrect or incomplete transaction data received by Visa or for other reasons. Cardholder is responsible for any text message, data or other wireless carrier charges incurred by the Cardholder as a result of email or SMS text block notifications. The Bank of Nova Scotia and its affiliates are not responsible for the Visa Payment Controls service.

  • 11

    The GM Business Choice Program is offered by General Motors of Canada Company. The Bank of Nova Scotia and its affiliates are not responsible for the program or any products, services or other benefits offered under the Program.

  • 12

    IMPORTANT NOTE ABOUT ALTERATIONS AND WARRANTIES: Installations or alterations to the original-equipment vehicle or chassis as distributed by General Motors are not covered by the General Motors New-Vehicle Limited Warranty. The special body company, assembler, equipment installer, or upfitter is solely responsible for warranties on the body or equipment and any alterations (or any effect of the alterations) to any of the parts, components, systems, or assemblies installed by GM. GM is not responsible for the safety or quality of design, features, materials, or workmanship of any alterations by such suppliers. The GM Business Choice Program is provided by General Motors. The Bank of Nova Scotia and its affiliates are not responsible for the program.

  • 13

    Four distinct options available. One per vehicle may be selected.

  • 14

    Scotia Business Loan Protection is a Group Policy underwritten by The Canada Life Assurance Company. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment. If you are approved for coverage you may take up to thirty (30) days to review the details of the coverage. If you cancel within thirty (30) days of your coverage effective date any premium paid will be refunded. For more information simply call 1-855-753-4272 between 8:00 am and 8:00pm ET and one of our Insurance Customer Service Representatives will be pleased to assist you.

  • ®

    Registered Trademark of The Bank of Nova Scotia

  • *

    Visa Int./Licensed User.