Scotiabank Value® Visa* Card  🇨🇦

Welcome Bonus
0.99% interest rate on balance transfers for 9 months
Ends Oct 31, 2025
  • Reduced interest rate for cash advances
  • Low-interest
Annual Fee
$29
First Year Annual Fee Rebate (terms apply)
Interest rates
Purchase Rates
13.99 %
Cash Advance Rates
13.99 %
Balance Transfer Rates
13.99 %

Scotia Value En
Scotiabank Value® Visa* Card
0.99% interest rate on balance transfers for 9 months
Ends Oct 31, 2025
Apply Now

Offer

  • 0.99% introductory rate on balance transfers for the first 9 months (2% fee per cash advance; after: rate of 13.99% and annual fee of $29)*
  • No annual fee for the first year*
  • Save hundreds of dollars in interest each year
  • Low 13.99% interest rate
  • Pay down balances faster
  • Simplify your monthly payments

Fees & Conditions

Personal Income $12,000
Household Income $12,000
Annual Fee $29
First Year Annual Fee Rebate
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 13.99%
Cash Advance Rates 13.99%
Balance Transfer Rates 13.99%
Balance Transfer
Balance Transfer Intro Duration 9 month(s)
Balance Transfer - Promotional Rate 0.99%
Balance Transfer Fees 2%

Advantages

Offer ends on Oct 31, 2025

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
Purchase Protection
Mobile Device Insurance
Price Protection

Our review

Scotia Value Visa Card is one of the best credit cards for cash advances (including balance transfers) in Canada.

You can get an introductory interest rate of 0.99% on cash advances for the first nine months (including balance transfers, with a 2% transfer fee). You pay no annual fee for the first year with this Visa credit card.

What’s more, this Visa credit card offers a low interest rate: 13.99% on purchases, balance transfers and cash advances.

Frequently Asked Questions

Alternative Cards

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