Accelerated Moneyback reward program designed with students in mind

• Earn up to 1% Moneyback every year on the purchases you've made with your card
• 20% discount rates at Avis Car Rental
• VISA Perks - exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more.

Save hundreds of dollars a year

• 16.99% interest rate
• Pay down balances faster
• Simplify your monthly payments
• Interest free grace period of at least 21 days on purchases
• Save hundreds of dollars a year
• 20% AVIS rental card discount
• VISA Perks - exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more.

Essential travel benefits with no annual fee

• Rental Car Collision Insurance
• 20% Avis rental car discount
• Commission-free Travellers Cheques
• VISA Perks - exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more.

Cash back on everyday spending

• 1% on eligible gas station, grocery store and drug store purchases and recurring bills
• 0.5% cash back on all other eligible purchases
• 20% AVIS rental card discount

Maximum cash back on everyday spending

• 4% on eligible gas station and grocery store purchases
• 2% on drug store purchases and recurring bills
• 1% cash back on all other eligible purchases
• VISA Infinite Complimentary Concierge Service – available 24/7
• Access to VISA Infinite Luxury Hotel Collection
• VISA Infinite Dining Series – Unique dining experiences in some of Canada’s top restaurants
• Special access to unique offers and experiences
• Rental car collision insurance
• Purchase security and extended warranty protection

Cash back on everyday spending

• 2% on eligible gas station, grocery store and drug store purchases and recurring bills
• 1% cash back on all other eligible purchases
• Purchase security and extended warranty protection
• 20% AVIS rental card discount

Free movies and more

• 2,000 bonus SCENE points - that’s two free movies
• Earn one SCENE point for every dollar you spend
• Earn five SCENE points for every dollar you spend at participating Cineplex Entertainment theatre or online at cineplex.com
• Redeem points for free movies at Cineplex Entertainment theatres, music and other entertainment rewards
• No annual fee
• 20% AVIS rental card discount
• VISA Perks - exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more.

Save hundreds of dollars a year

• Low 11.99% interest rate
• Interest free grace period of at least 21 days on purchases
• Save hundreds of dollars a year
• Pay down balances faster
• Simplify your monthly payments
• 20% AVIS rental card discount

Earn travel rewards with no annual fee

• Earn 1 Scotia Rewards points for every $2 you spend
• Extraordinary travel benefits
• Flexible Point Redemption

Earn travel rewards up to 2x faster

• Earn 2x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
• Earn one point on all other eligible purchases
• Extraordinary travel benefits
• Flexible Point Redemption
• Comprehensive travel insurance

Earn travel rewards up to 4x faster

• Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
• Earn one point on all other eligible purchases
• Extraordinary travel benefits
• Flexible Point Redemption
• Comprehensive travel insurance

Travel anywhere, at any time of the year with no restrictions

• Earn one Scotia Rewards 1 point for every $1 you spend
• Travel anywhere, at any time of the year with no restrictions
• Comprehensive travel protection and insurance
• 5% cash back on travel purchased through Scotia Rewards
• Book online or by phone
• Concierge Service
• Merchandise, gift card and other rewards available

Choose your favourite team card

• 3,000 bonus ScotiaHockey Rewards points
• Earn one ScotiaHockey Rewards point for every dollar you spend on the card
• Earn five points for every dollar you spend at SportChek and sportchek.ca
• Redeem points for high end NHL or brand name merchandise, NHL game tickets, VIP NHL event experiences and more.
• Save 20% off purchases at the NHL's official online store shop.canada.NHL.com.
• 20% AVIS rental card discount.
• VISA Perks - exclusive VISA card holder discounts available at many popular merchants. Visit visaperks

• One-card solution to your company's expense management needs; corporate travel, entertainment, small-dollar purchasing - it's your choice
• Complete expense management system designed for companies with chargeable expenses of $3 million or more

Notes:

1. Annual fee not mentioned on website.
2. Interest rate not mentioned on website.
3. Interest rate not mentioned on website.
4. Interest rate not mentioned on website.

• 1.99% introductory interest rate on cash advances, balance transfers and Scotia® VISA cheques
• Being rewarded for every dollar you spend makes good business sense
• Supplementary Cardmembers also earn Scotia Rewards points
• Benefit from a 50% reduction in annual fee on your personal ScotiaGold Passport VISA card
• In addition to comprehensive travel insurance, save with 5% Cash Back on airline tickets, pre-packaged tours or cruises booked through our travel agency

Notes:

1. For the first 6 months, 21.99% thereafter.
2. For the first 6 months, 21.99% thereafter.

• Interest rates as low as Scotiabank Prime for secured or Prime + 2.49% to Prime + 5.49% for unsecured
• Credit limit up to $50,000 unsecured or $500,000 for a secured line of credit
• Personalized VISA cards with both your personal and your business name
• Free supplementary cards and personalized cheques

Notes:

1. Secured Rate. Unsecured Rate from 4.74% to 7.74%.
2. Interest rate not mentioned on website.
3. Interest rate not mentioned on website.

• Low rate, high limit personal line of credit with the convenience of no-fee VISA card access
• Secured rates as low as 3.25% (Scotiabank Prime Rate + 1%)
• Competitive unsecured rate of 7.24% (Scotia Prime Rate + 4.99%)
• Credit limits ranging from $20,000 to $500,000

Notes:

1. Secured Rate. Unsecured Rate at 7.24%.
2. Interest rate not mentioned on website.
3. Interest rate not mentioned on website.