No-Fee Scotiabank Value® Visa* Card snapshot
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.
No-Fee Scotiabank Value® Visa* Card Rewards
No-Fee Scotiabank Value® Visa* Card Features
Priority airport services
Balance protection(Optional)
Purchase Security & Extended Protection Insurance
Flight delay insurance,Baggage Insurance
Vehicule rental insurance
Travel accident insurance
Legal Details
? 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 3.99% introductory interest rate offer (the ?Offer?). Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.
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.
No-Fee Scotiabank Value® Visa* Card User Reviews
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No-Fee Scotiabank Value® Visa* Card FAQs
