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  • Earn up to $2,100* in value in the first 14 months, including up to 60,000 bonus Scene+ points.
  • Earn 2X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions
  • Earn 2X Scene+ points for every $1 CDN in eligible gas and public transit purchases. Includes rideshare, buses, taxis, subway, and more.
  • Earn 2X Scene+ points for every $1 spent on all your other purchases.
  • You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies
  • Enjoy 10 complimentary airport lounge passes per year
Legal

*Conditions apply.

Annual Fee
  • Primary card $399
  • Additional card $99
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 9.99 %
  • Cash Advance Rates 9.99 %
  • Balance Transfer Rates 9.99 %
Earning Rate
  • All Spending2Scene+ points
  • Groceries2Scene+ points
  • Gas2Scene+ points
Value
  • Year 1 $1,081
  • Year 2+ $481
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
31 day(s)
Travel medical insurance up to 64 years old
$2,000,000
31 day(s)
Travel medical insurance 65+
$2,000,000
10 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
  • No Foreign Transaction Fee
  • Access to VIP Lounges
  • Visa Infinite Benefits
Learn More
Best No-FX Fee Credit Card In 2024
  • Earn up to $1,300* in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived*
  • Earn 3x Scene+ points* on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating
    Co-ops and more
  • Earn 2x Scene+ points* for every $1 you spend on other eligible grocery stores, dining, eligible entertainment puchases and eligible daily transit options (including rideshares, buses, subways, taxis and more)
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
  • No Foreign Transaction Fee
  • 6 Complimentary Airport Lounge Access
  • Comprehensive Travel Insurance coverage
  • Visa Infinite* Concierge Services
  • Visa Infinite* Hotel Collection
  • Visa Infinite* Dining and Wine Country program

Rates, fees and other information are effective as of Jan.4, 2024. Subject to change.

Legal

*Conditions apply.

Earning Rate
  • Groceries2Scene+ points
  • Dining and Food delivery2Scene+ points
  • Local Transport2Scene+ points
Value
  • Year 1 $1,093
  • Year 2+ $397
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
25 day(s)
Travel medical insurance up to 64 years old
$1,000,000
25 day(s)
Travel medical insurance 65+
$1,000,000
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
  • 5X points on groceries and dining
  • No Foreign Transaction Fee
  • American Express Online Promotional Offers
Learn More
Best credit card for families in 2023
  • Earn up to $650* in savings and rewards in the first 12 months, including up to 40,000 bonus Scene+ points.
  • You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies
  • Earn 6X Scene+ points on every $1 you spend at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
  • Earn 5X Scene+ points for every $1 CAD in eligible purchases at grocery stores, restaurants and entertainment centers.
  • Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.
  • Earn 1X Scene+ point for every $1 spent on every other purchase
Legal

*Conditions apply.

Annual Fee
  • Primary card $120
  • Additional card $29
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries5Scene+ points
  • Dining and Food delivery5Scene+ points
  • Entertainment5Scene+ points
Value
  • Year 1 $861
  • Year 2+ $461
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
25 day(s)
Travel medical insurance up to 64 years old
$1,000,000
25 day(s)
Travel medical insurance 65+
$1,000,000
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$1,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
  • SPECIAL OFFER Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards. Offer ends 31 Oct 2024.
  • Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
  • Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
  • Earn 1% cash back on all other purchases with no cash back limit.
Legal

*Conditions apply.

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries4%
  • Recurring Payments4%
  • Telecom/Internet4%
Value
  • Year 1 $848
  • Year 2+ $408
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
15 day(s)
Travel medical insurance up to 64 years old
$1,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • Earn up to 40,000 bonus Scene+ points in your first year (that’s up to $400 towards travel). Plus, no annual fee in the first year.
  • Earn 1.5X the Scene+ points for every $1 spent2 on purchases for your business
  • Enjoy no Foreign Transaction Fees whether you make purchases online or outside of Canada
  • Six Complimentary airport lounge access
Annual Fee
  • Primary card $199
  • Additional card $0
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • All Spending1.5Scene+ points
  • Groceries1.5Scene+ points
  • Gas1.5Scene+ points
Value
  • Year 1 $801
  • Year 2+ $401
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
25 day(s)
Travel medical insurance up to 64 years old
10 day(s)
Travel medical insurance 65+
10 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
  • Earn up to 7,500 bonus Scene+ points within your first 3 months (that’s up to $75 towards travel)
  • Earn 3X Scene+ points on every $1 you spend at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
  • Earn 2X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions
  • Earn 2 Scene+ points for every $1 you spend on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.
  • Earn 2 Scene+ points for every $1 you spend on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.
  • Earn 2 Scene+ points for every $1 you spend on eligible select streaming services.
  • Earn 1X Scene+ point for every $1 spent on every other purchase

 

Legal

*Conditions apply.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2Scene+ points
  • Gas2Scene+ points
  • Dining and Food delivery2Scene+ points
Value
  • Year 1 $418
  • Year 2+ $343
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

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
  • Get a 2.99% introductory interest rate with 0% fee on balance transfers for the first 6 months (22.99% after that; annual fee $39). Offer ends Oct 31,2024
  • Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments.
  • Earn 1% cash back on all other eligible purchases.
Legal

*Conditions apply.

Annual Fee
  • Primary card $39
  • Additional card $15
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2%
  • Gas2%
  • Drugstores2%
Value
  • Year 1 $321
  • Year 2+ $321
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

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
  • No annual fee
  • 2X points at Scene+ grocery stores (IGA, Rachelle Béry, Sobeys, etc.)
Learn More
  • Earn up to 7500 bonus Scene+ points within your first 3 months
  • Earn 2X Scene+ points on all eligible purchases at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
  • Earn 2x Scene+ points for every dollar you spend with your Home Hardware credit card.
  • Earn 2x Scene+ points for every dollar in credit card purchases at Cineplex theatres or online at cineplex.com.
  • Earn 1 Scene+ point for every dollar in regular credit card purchases.
  • Redeem your Scene+ points for travel, sundries, entertainment, dining out, statement credits and more.
Legal

*Conditions apply.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2Scene+ points
  • All Spending1Scene+ Point
  • Gas1Scene+ Point
Value
  • Year 1 $340
  • Year 2+ $240
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

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
  • Special Offer: Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0). Offer expires Oct,31,2024
  • Get up to 1% cash back on eligible purchases with no annual fee.
Legal

*Conditions apply.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries1%
  • Gas1%
  • Drugstores1%
Value
  • Year 1 $280
  • Year 2+ $180
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

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

Welcome Offer

Earn up to 15,000 bonus Scene+ points in your first year (that’s up to $150 in points value). See offer details.

  • Earn Scene+ points at Home Hardware and redeem with any Scene+ rewards partner.
  • Earn 1 Scene+ point for every $1 spent on your card for eligible business purchases at Home Hardware.
  • Redeem your Scene+ points on what you want for your business – business travel, office improvements, entertainment, groceries, gift cards from 60+ brands, tech, and even account credits.
  • Use at any retailer where Visa is accepted.
  • Manage your cash flow with a 21-Day interest free grace period on new purchases.

Visa* SavingsEdge

One great program – two paths to savings on your everyday business purchases with Visa SavingsEdge:

  • Everyday Savings Offers: automatically available after you enroll, requiring no coupons or codes and are applied as statement credits on enrolled Visa Business cardholder’s future account statements.
  • Instant Savings Offers: savings applied to your cart using a promotion code prior to making a qualifying purchase on a participating merchant’s website.

It’s free to join. Visit Visa SavingsEdge to enroll your eligible business and learn more.

Save on car rentals

  • As a Scotia Home Hardware PRO Visa Business cardholder, you can save up to 25% off base rates at participating AVIS locations Worldwide and at participating Budget locations in Canada and the U.S. when you pay with your Scotia Home Hardware PRO Visa Business card.

Save time at the checkout

  • Tap your Scotia Home Hardware PRO Visa Business Card or your mobile wallet for quick easy payments.
  • Visa payWave* – Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!
  • Click to Pay – Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.
  • Also, use your phone to make on-the-go payments with: Google Pay, Samsung Pay, Apple Pay.

Insurance Coverage

  • Purchase Security & Extended Warranty Protection
  • Optional Scotia Business Loan Protection Insurance
Legal

To qualify for this offer, make sure to open a new Scotia Home Hardware PRO Business Visa credit card account (“Account”) by May 31, 2024.

To qualify for the 15,000 bonus Scene+ points:

  • Earn 15,000 bonus Scene+ points by making at least $1,500 in eligible purchases at eligible Home Hardware, Home Building Centre, Home Hardware Building Centre, Home Furniture locations in Canada and online at homehardware.ca in the first 3 months of the Account open date.
  • Individuals who are currently employees of Scotiabank, are not eligible for the Offers. Subject to the above exclusion, Scotiabank personal credit cardholders are eligible for the Offers.
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual
  • Household
Conversion fees
  • %
Interest Rates
  • Purchase Rates
  • Cash Advance Rates
  • Balance Transfer Rates
Earning Rate
  • All SpendingScene+ Point
  • GroceriesScene+ Point
  • GasScene+ Point
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

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
  • Limit up to $500,000
  • No additional cost for extended warranties on your purchases for up to 90 days
  • Free supplementary cards and personalized cheques
  • Flexible repayment terms
  • 21-day interest-free grace period
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual
  • Household
Conversion fees
  • %
Interest Rates
  • Purchase Rates
  • Cash Advance Rates
  • Balance Transfer Rates
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

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
  • 0% introductory interest rate on Balance Transfers for the first 10 months (12.99% after that; annual fee $29). Plus no annual fee in the first year. Offer ends 31 Oct 2024.
  • Save up to hundreds of dollars a year on interest
  • Low interest rate of 12.99%
  • Pay down higher interest rate balances faster
  • Transfer higher rate balances and save even more
Legal

*Conditions apply.

Annual Fee
  • Primary card $29
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 12.99 %
  • Cash Advance Rates 12.99 %
  • Balance Transfer Rates 12.99 %
Value
  • Year 1 $0
  • Year 2+ $-29
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

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
Credit card