• Low annual interest rate of 9.99% for purchases, balance transfers, access cheques and deposits
• Exclusive Platinum benefits and peace of mind

• The low interest rate you need with rewards you want
• 5,000 bonus reward miles on your first purchase
• Earn 1 reward mile for every $2 – on everything you buy
• Guaranteed rate of 9.9% fixed on purchases and balance transfers

• Enjoy the certainty of a low long-term rate of 11.9% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time)
• After 3 years, your rate will become a variable rate of Prime +9.9% on purchases and balance transfers
• Annual interest rate for cash advances is 19.8%
• Save money when you transfer high-interest debt with our no-fee balance transfer service

Notes:

1. For 3 years.
2. For 3 years.

• Low rate on purchases and balance transfers
• May help you strengthen your credit history
• $0 fraud liability for unauthorized use
• Security funds not required, unless we contact you

• No annual fee, annual interest rate for cash advances is 19.8%
• Enjoy our lowest long-term rate of 5.99% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time)
• After 3 years, your rate will become a variable rate of Prime +4.99% on purchases and balance transfers
• Save money when you transfer high-interest debt with our no-fee balance transfer service

Notes:

1. For 3 years.
2. For 3 years.

• Enjoy our lowest interest rate card
• CIBC CreditSmart®, a revolutionary array of smart credit management features

Notes:

1. Interest rate not mentioned on website.
2. Interest rate not mentioned on website.

• The country’s lowest annual fixed interest rate: 9.9%
• Earn up to 1% of your purchases in BONUSDOLLARS
• Rewards program allows you to accumulate BONUSDOLLARS and exchange them against travel, gifts, tickets to shows and Desjardins products and services
• Payment holiday feature where you can skip the minimum payment twice a year
• Accord D Desjardins financing, a second, separate credit limit
• Cash advances up to $5,000 a day, anywhere in the world

• Benefit all year long from a low interest rate of 12.49%
• Easily access extra cash with your credit card PIN

Notes:

1. Interest rate not mentioned on website.
2. Interest rate not mentioned on website.

• Permanent low interest rate helps you save money when you carry a balance on your card
• Purchase Security & Extended Warranty Insurance

Notes:

1. Interest rate not mentioned on website.

• 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.

• 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.

• Great value with a competitive low rate
• Preferred variable annual interest rate is TD Prime + 1.75%, TD Prime + 3.75%, TD Prime + 5.75%, TD Prime + 6.75%, TD Prime + 7.75%, or TD Prime + 9.75%, depending on your credit assessment
• As of April 2010, TD Prime is 2.250% current preferred rates range from 4.00% to 12.00%
• Standard Rate of 21.0% applies if your minimum payment is more that 30 days past due

Notes:

1. Varies depending on TD Prime Rate and your credit assessment.
2. Interest rate not mentioned on website.
3. Interest rate not mentioned on website.

• Line of credit with Visa Card convenience
• Low interest rates based on TD Prime
• Apply only once! Once you're approved, yearly renewal is automatic, with no business plan review or interview (as long as your Account is in good standing throughout the year)
• Approved based primarily on your personal creditworthiness
• No interest-free grace period

Notes:

1. Based on TD Prime.
2. Interest rate not mentioned on website.
3. Interest rate not mentioned on website.