Rewards
Base earn rateSee card details
Welcome bonus0.99% promotional interest rate on balance transfers for first 9 months with a 2% balance transfer fee. Plus, pay no annual fee during your first year.
Rewards typenone
Fees & rates
Annual fee$29
Purchase interest rate13.99%
Cash advance rate13.99%
Foreign transaction fee2.5% (typical)
Standout perks
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Save up to 25% off base rates at participating AVIS locations and participating Budget locations in Canada and the US when you pay with your Scotiabank Value Visa* Card
up to 25% off
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Fuel up and save at Shell. Available now in Alberta, and rolling out nationally on May 26, 2026, eligible Scotiabank clients can earn and save on fuel purchases at Shell
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Buy now and pay over time with Scotia SelectPayTM - A flexible way to pay off eligible Scotiabank credit card purchases of $100 or more, with low interest rates on your plan and no installment plan fee
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Stay connected while you travel with 10% off GigSky global mobile data plans, when you purchase with your Scotiabank Value Visa* Card
10% off
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Mobile wallet support - Tap your card from your mobile wallet to make quick payments
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident