This card is no longer offered by the provider
No-Fee Scotiabank Value® Visa* Card review
Save up to hundreds of dollars a year
Save with the combination of a low interest rate and no annual fee it could add up to hundreds a year!
3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)
Pay down higher interest rates balances faster
Stay one step ahead of your balance a lower interest rate makes this card an affordable way to finance those medium to large purchases you are making.
Transfer higher rate balances and save even more
Switch balances over from higher interest-rate credit cards to the No-Fee Scotiabank Value Visa Card. By consolidating your higher rate balances, you'll save on interest and make paying bills easier.
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Priority airport services
No
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Airport lounge access
No
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Concierge service
No
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Balance protection(Optional)
Yes
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Purchase Security & Extended Protection Insurance
NO
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Flight delay insurance,Baggage Insurance
No
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Vehicle rental insurance
No
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Travel accident insurance
No
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Travel medical insurance
No
- Annual Fee: $0
- Additional Card Fee: $0
- Purchases Interest Rate: 16.99%
- Cash Advance Interest Rate: 16.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
Low interest rates
Save on car rentals
As a No-FeeScotiabank ValueVisa Cardholder, you can save up to 25% off base rates at participatingAVIS locations and at participating Budget locations inCanada and the U.S. when you pay with your No-FeeScotiabank ValueVisa card.
Save time at the checkout
Tap your No-Fee Scotiabank Value Visa Card or your smartphone for quick easy payments.
Feel reassured (Optional protection)
Your finances can have added protection from some of life's unpredictable events, like disability, job loss, strike or lockout, critical illness or loss of life.
The Value® Visa* Card from Scotiabank is a balance-transfer card that comes with an excellent offer, allowing you to get a 3.99% interest rate on your balance transfers within the first 6 months. After this initial period, you'll get a 16.99% interest rate, which is much better than the average 21.99% on the market.
This unique card comes with an attractive 0$ annual fee, various car rental discounts, and enjoy additional perks. This card allows you to switch your balance over from higher-interest cards to it. This enables you to quickly consolidate your higher rate balance, improve your credit score and pay your bills easier.
Because of the lower interest rate, you can use this card to finance those medium to large purchases. You can save hundreds of dollars a year with the No-Fee Scotiabank Value® Visa* Card and pay your balances faster.
This card is perfect for any Canadian who wants to save money on the interest rate, especially during the first 6 months that comes with an unbeatable rate of 3.99% interest rate. If you factor in the fact that this card is free of charge and comes with a free complimentary card, then the Scotiabank Value® Visa* Card should become your favourite credit card in 2020.
Offer Description and Conditions: The introductory 3.99% interest rate applies only to cash advances (including balance transfers, Scotia? Credit Card Cheques and cash-like transactions) (collectively ?Cash Advances?) subject to the conditions below (the ?Offer?). This rate applies when the new Scotiabank credit card account (?Account?) is opened by March 1, 2020 and will continue for 6 months from date of Account opening (the ?Promotional Period?). This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account. After the Promotional Period, the 3.99% interest rate on any promotional balance transfers (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 16.99%). If you don?t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances).
Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.
A Balance Transfer fee of 0% of the amount of each Balance Transfer transferred during the Promotional Period applies to this Offer.
Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional supplementary card.
The current preferred annual interest rates for the Account are: 16.99% on purchases and 16.99% on Cash Advances.
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.
Scotia Momentum Mastercard Credit Card review
•7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)
• Cash back on everyday spending with no annual fee
• 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
• 0.5% cash back on all other eligible everyday purchases
Make everyday purchases quickly and safely with just a tap of your contactless-enabled Mastercard or device
Scotiabank Value® Visa* Card review
0% introductory interest rate on Cash Advances for the first 6 months (12.99% after that; annual fee $29). Plus no annual fee in the first year.1 Offer ends 30 April 2023.
Great reasons to get this card for your everyday purchases
Save up to hundreds of dollars a year on interest
Pay down higher interest rates balances faster
- Stay one step ahead of your balance a lower interest rate makes this card an affordable way to finance those medium to large purchases you are making.
Transfer higher rate balances and save even more
- Switch balances over from higher interest-rate credit cards to the Scotiabank Value® Visa* credit card. By consolidating your higher-rate balances on a lower-rate card, you’ll save on interest and make paying bills easier.
Tangerine World Mastercard Review 2023
Special Offer:
Apply for a Tangerine World Mastercard® by July 5, 2023 and earn an extra 10% back* (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.
Always-On Offer:
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
No limit on the amount of Money-Back Rewards you can earn.
Change your 2% Money-Back Categories to suit your spending.
Author Bio
Mohamed Konate is a personal finance expert, blogger, and marketing consultant based in Toronto. He is a former financial services professional who worked at major Canadian financial institutions for many years. He managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor's in Business Administration from the University of Quebec (Montreal) and a Master's in International Business from the University of Sherbrooke (Quebec). He is also the author of the Canadian Credit Card Guidebook and earns rewards with the American Express Cobalt credit card.
