Card Features
- Earn 15,000 bonus points with your first $1000 in everyday purchases in the first 3 months†
- Earn 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment
- Earn one point on all other eligible everyday purchases
- Extraordinary travel benefits. Flexible Point Redemption. Comprehensive travel insurance
- Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
- Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
- Complimentary Concierge Services 24/7
- Access to Priority Pass Lounges worldwide
- Rates, fees and other information are effective as of February 1, 2018. Subject to change.
Interest Rates
Purchase APR: 19.99%
Balance Transfer APR: 22.99%
Cash Advance APR: 22.99%
Annual Fee
First year free then $99
Additional Cardholders: $29
Pros
- Excellent bonus points offer
- 4x earnings for "everyday" purchases - gas, groceries, dining and entertainment
Cons
- Annual fee could be expensive depending on your yearly spend
Bonus Offer
Earn 15,000 bonus points with your first $1000 in everyday purchases in the first 3 months. Plus, first year annual fee waived*
Introductory Rates
None
Reward Earnings Rate
Up to 4 Scotia Rewards points for every $1 spent
Additional Details
Grace Period: 21 Days
Minimum Credit Limit: $5,000
Fees
Balance Transfer Fee: 1.00%
Cash Advance Fee: $2.50
Foreign Transaction Fee: 2.5%
Over Credit Limit Fee: $29