Rewards
Base earn rate0.5% cash back on all other eligible purchases
Welcome bonusEarn 10% Cash Back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (2% fee per cash advance)
Rewards typecashback
Fees & rates
Annual fee$0
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the US
up to 25%
⭐
Scotia SelectPay - flexible way to pay off eligible purchases of $100 or more with low interest rates and no installment plan fee
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
rental car
up to 25% savings on base rates
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident