Scotiabank Value Visa Card | Low-Interest | Milesopedia
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Scotiabank Value® Visa* Card

Scotia Value En
Apply Now Terms apply
Scotiabank Value® Visa* Card
Welcome Bonus
Get 0% interest for up to 6 months on cash advances
Ends Apr 30, 2023
Annual Fee
$29
First Year Annual Fee Rebate (terms apply)
  • Low-interest on cash advances
  • Low-interest
Interest rates
Purchase Rates
12.99 %
Cash Advance Rates
12.99 %
Balance Transfer Rates
12.99 %
See all cards from Scotiabank

Offer

  • 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. Offer ends 30 April 2023.
  • 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

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 12.99%
Cash Advance Rates 12.99%
Balance Transfer Rates 12.99%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First Year Annual Fee Rebate
-
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Offer ends on Apr 30, 2023

Earnings

Per dollar of purchases

All Spending 0.00
Groceries 0.00
Gas 0.00
Dining and Food delivery 0.00
Convenience Blinds 0.00
Drugstores 0.00
Local Transport 0.00
Travel 0.00
Entertainment 0.00
Recurring Payments 0.00
Telecom/Internet 0.00
Streaming services 0.00
Online transactions 0.00
Office Supplies 0.00

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

Other Insurance

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

Our review

The Scotiabank Value® Visa* Card is one of the best credit cards for cash advances in Canada.

You can get a 0% introductory interest rate on cash advances for the first six months. And you pay no annual fee for the first year with this Visa credit card.

In addition, this Visa credit card offers a low-interest rate of 12.99% on purchases and cash advances.

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Alternative Cards

CIBC Select Visa front en
CIBC Select Visa* Card
Get 0% interest for up to 10 months on balance transfers
First year value : $29
  • Balance Transfer Offer
  • Low-interest
Apply Now Terms apply
Learn More
Best Balance Transfer Credit Card in 2023

Transfer your credit card balance – Get 0% interest for up to 10 months for a 1% transfer fee†, plus a refund of the first year’s annual fee† See full details on the offer below†.

Transfer your credit card balance and get 0% interest for up to 10 months with a 1% transfer fee†
  • Transfer up to 50% of your assigned credit limit†
  • If you choose to carry a balance and you make your minimum payments on time, a balance transfer could save you money on interest
  • Take advantage of this 0% introductory interest rate on balance transfers for your first 10 months. You’ll only have to pay a 1% fee† when you transfer your balance from another card to the CIBC Select Visa Card
  • This balance transfer offer is only available at the time of your online application.† Simply tick the checkbox to select the balance transfer option when you’re filling out your application Once you take advantage of this offer, you will have a promotional rate balance on your account. As a result, you will lose your interest-free grace period on new purchases unless you pay your amount due, including any promotional rate balances, in full each month. While you will enjoy the promotional rate on the balances you transfer by using this offer, new purchases will be subject to the purchase interest rate.

Save on gas with CIBC and Journie Rewards

Link your CIBC Select Visa* card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Apply Now” link available on this webpage.†

Legal

†Conditions Apply

Annual Fee
  • Primary card $29
  • Additional card $0
Annual Income Required
  • Individual $15,000
  • Household $15,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 13.99 %
  • Cash Advance Rates 13.99 %
  • Balance Transfer Rates 13.99 %
Milesopedia Links
Value
  • Year 1 $29
  • 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
BMO Preferred Rate Mastercard®*
BMO Preferred Rate Mastercard®*
Get 0.99% interest for up to 9 months on balance transfers
First year value : $20
  • Low-interest
  • Balance Transfer
  • Accepted at Costco
Apply Now Terms apply
Learn More
  • Welcome Offer: Get a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee and we’ll waive the $20 annual fee for the first year*
  • Enjoy our lowest interest rate of 12.99% on purchases*
  • Purchase Protection and Extended Warranty*
Legal

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

*Terms and conditions apply

Annual Fee
  • Primary card $20
  • Additional card $0
Annual Income Required
  • Individual $15,000
  • Household $15,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 12.99 %
  • Cash Advance Rates 15.99 %
  • Balance Transfer Rates 12.99 %
Milesopedia Links
Value
  • Year 1 $20
  • Year 2+ $-20
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
Bmo Cb No Fee Mastercard Rgb Fre For Online
BMO CashBack® Mastercard®*
Up to $100 cash back
First year value : $358
  • No annual fee
  • 3% cash back on groceries
  • Accepted at Costco
Apply Now Terms apply
Learn More
  • Welcome offer: Get 5% cash back in your first 3 months*
  • Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*
  • Now earn the highest cash back on groceries in Canada without paying an annual fee!†
  • Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred*
  • No annual fee*.
  • FREE additional cards
  • Extended Warranty*
  • Purchase Protection*
Legal

*Terms and conditions apply

†Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of June 1, 2022

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

 

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $15,000
  • Household $15,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 19.99 %
Milesopedia Links
Earning Rate
  • Groceries3%
  • Recurring Payments1%
  • All Spending0.5%
Value
  • Year 1 $358
  • Year 2+ $258
Best For
Transfer Partners
  • Cashback

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
3.6 Milesopedia Rating