• Enjoy the essentials benefits of a Gold card, but with no annual fee
• Essential Travel Benefits

• Earn up to a 1% Moneyback reward every year on the purchases
• Credit limit of $500 to $2,000
• Secured VISA option is available for Canadian citizens, landed immigrants, and foreign students
• Visa payWave for speed, convenience, and security when paying for small, everyday purchases

• 1.99% introductory interest rate on cash advances, balance transfers and Scotia® VISA cheques
• 2% cash back on all eligible gas, groceries, recurring payments and drug store purchases on transactions appearing on your first three statements
• 1% cash back on all other eligible purchases
• Visa payWave for speed, convenience, and security when paying for small, everyday purchases

Notes:

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

• 7.99% introductory interest rate on purchases for the first six months
• Earn up to 1% Moneyback reward every year on the purchases you've made with your card
• Visa payWave for speed, convenience, and security when paying for small, everyday purchases

Notes:

1. For the first 6 months, 19.99% thereafter.

• 1.99% introductory interest rate on cash advances, balance transfers and Scotia® VISA cheques
• Only no annual fee, low-rate credit card in Canada
• Save hundreds of dollars a year, pay down balances faster, and simplify your monthly payments by switching balances from higher interest rate credit cards to a Scotiabank Value VISA card

Notes:

1. For the first 6 months, 16.99% thereafter.
2. For the first 6 months, 16.99% thereafter.

• Earn 4,000 SCENE bonus points on first purchase - that's 4 free movies
• Receive 1 SCENE point for every $1 spent
• Earn 5 SCENE points for every $1 spent at participating Cineplex Entertainment theatres - including Cineplex Odeon, Galaxy, Famous Players, Paramount, SilverCity, Coliseum, Colossus and Scotiabank theatres
• Redeem points for movies, music and more

• 0.99% introductory interest rate on cash advances and balance transfers for the first nine months
• Save hundreds of dollars a year, pay down balances faster, and simplify your monthly payments by switching balances from higher interest rate credit cards to a Scotiabank Value VISA card
• Balance transfer fee (regularly 1% of the balance transfer amount) is waived

Notes:

1. For the first 9 months, 11.99% thereafter.
2. For the first 9 months, 11.99% thereafter.

• 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.

• Earn 30,000 Scotia Rewards bonus points
• Earn one Scotia Rewards point for every $1 you spend
• Travel anywhere, at any time of the year with no restrictions
• Exclusive Travel Services - Enjoy special perks when you enroll in the Scotia Rewards Travel Service, including 5% cash back on travel purchased through Scotia Rewards
• Comprehensive Travel Insurance

Notes:

1. For the first year, $110 thereafter.

• Receive 2,000 ScotiaHockey Rewards points with your first card purchase
• Earn 1 ScotiaHockey Rewards point for every $1 in credit card purchases, which can be redeemed for exclusive NHL hockey experiences and more
• Visa payWave for speed, convenience, and security when paying for small, everyday purchases

• 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.