Scotiabank GM VISA Infinite Card

Scotiabank® GM®* Visa Infinite* Card

Card Features

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  • First year annual fee waived◊

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  • Get closer to your new car with up to 5% in GM Earnings

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  • Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter

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  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac

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  • No earning or redemption caps

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  • Earnings do not expire

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  • Enjoy the same great rewards in 5 unique designs

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  • Travel with peace of mind with VISA Infinite benefits, including Travel Medical Insurance, Rental Car Insurance, Trip Interruption Insurance, and more

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  • Purchase Security and Extended Warranty

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  • Rates, fees and other information are effective as of August 1, 2019. Subject to change.

◊ 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 waived 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 (the “Offer”). Offer applies to new Scotiabank credit card account (“Accounts”) only that are opened by March 1, 2020. Any additional supplementary cards must be issued by March 1, 2020 to qualify for the Offer.

Rates and Fees: The current annual fee is $79 for the primary card and $39 for each additional supplementary card.
The current preferred annual interest rates for the Account are: 19.99% 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: 19.99%

Balance Transfer APR: 22.99%

Cash Advance APR: 22.99%

Annual Fee

First year free then $79

Additional Cardholders: $39


  • Best for big spenders with a long term reward goal
  • Earnings do not expire


  • Excellent credit required for approval

Bonus Offer

$79 Waived for the first year*

Introductory Rates


Reward Earnings Rate

5% on first $10,000 spent, then 2% thereafter

Additional Details

Grace Period: See Terms*


Balance Transfer Fee: 1.00%

Cash Advance Fee: $2.50

Foreign Transaction Fee: 2.5%

Over Credit Limit Fee: $29