Card Features
- First year annual fee waived1
- 4% on eligible recurring bill payments and grocery store purchases
- 2% on eligible gas station and daily transit purchases
- 1% cash back on all other eligible everyday purchases
- Complimentary Concierge Services 24/7
- Visa Infinite Dining Series
- Visa Infinite Music Series
- Wine Country Wonders
- Luxury Hotel Privileges
- Comprehensive Travel Insurance & New Mobile Device Insurance coverage
- Rates, fees and other information are effective as of August 1, 2019. Subject to change.
1 Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the first year annual fee waiver offer (the “Offer”). Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.
Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card for the first year. Offer applies to new Scotiabank credit card accounts (“Accounts”) only that are opened by December 30, 2019. Any additional supplementary cards must be issued by December 30, 2019 to qualify.
Rates and Fees: The current annual fee is $120 for the primary card and $50 for each additional supplementary card. The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change. Offers may be changed, cancelled or extended and cannot be combined with any other offers.
Interest Rates
Purchase APR: 20.99%
Balance Transfer APR: 22.99%
Cash Advance APR: 22.99%
Annual Fee
First year free, then $120
Additional Cardholders: $50 each Supplementary Card
Pros
- 4% cash back on recurring bill payments and grocery store purchases
- 2% on eligible gas station and daily transit purchases
- Visa Infinite benefits
Cons
- Excellent credit required to be approved
- High income requirements
Bonus Offer
First year annual fee waived1
Introductory Rates
Reward Earnings Rate
Up to 4% cash back on select purchases
Additional Details
Fees
Balance Transfer Fee: See Terms*
Cash Advance Fee: See Terms*
Foreign Transaction Fee: 2.5%