Rewards
Base earn rate1% cash back on all other purchases
Welcome bonus10% cash back on up to $2,000 in purchases in the first three months, plus pay no annual fees in your first year
Rewards typecashback
Fees & rates
Annual fee$120
Additional card$50
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Fuel up and save at Shell
🎩
World-class concierge services for travel, dining, and events
Available 24/7
⭐
Explore the Visa Infinite Hotel Collection with best available room rates, automatic room upgrades when available, and free Wi-Fi
⭐
Exclusive culinary experiences with Visa Infinite Dining and Wine Country program featuring multi-course meals with expertly paired wines
⭐
Save on car rentals at participating Avis and Budget locations in Canada and US
up to 25% off base rates
⭐
Scotia SelectPay: Buy now and pay over time on 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
✈️ Airport lounge access
Insurance coverage
🛡️
mobile device
up to $1,000 CAD
🛡️
trip cancellation
up to $1,500 per person
🛡️
trip interruption
up to $2,000 in travel expenses
🛡️
travel medical
up to $1,000,000 CAD
🛡️
flight delay
up to $500 per insured person
🛡️
baggage delay
up to $500
Eligibility
Minimum personal income$60,000
Credit score guidanceGood (660+)
ResidencyCanadian resident