Network: Visa

• No annual fee
• Hold and exchange 40+ currencies in your Wise account
• Spend in 150+ countries, withdraw at 2.3 million ATMs
• Convert currencies with the mid-market exchange rate and low transparent fees
• View and manage your account in the Wise app
• Freeze and unfreeze your card instantly
• Spend any currency you hold in the account for free when you have enough balance
• Auto convert feature makes sure you always pay the lowest possible fee when spending currencies you don’t hold in your account
• Check your currency balances in the app – and get instant transaction notifications for security
• It’s a debit card, not a credit card – easier to manage your budget without running up debts or incurring credit charges

• 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

• 3% cash back on eligible gas station, restaurant and office supply store purchases, and on eligible recurring bill payments and 1% cash back on all other everyday purchases for your business
• 25-day interest-free grace period on new purchases
• Suite of comprehensive insurances

• 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

Get up to 70,000 Avion points* (a travel value of up to $1,500^†). Apply by November 25, 2024. 70,000 Avion points* is enough for two roundtrip tickets to almost anywhere in Canada & the US (Alaska and Hawaii require more points). Taxes and fees extra.^†

• 35,000 Avion Points on approval*
• 20,000 bonus points when you spend $5,000 in your first 6 months*
• 15,000 one-time anniversary bonus points after 12 months of account opening*
• Earn 1.25 Avion points for every you spend.
• Enjoy VIP travel benefits including Visa Airport Companion (that’s six lounge visits per membership year for every enrolled cardholder on your account!)
• Plus, fast track security and other benefits at select airports.
• Book flights on any airline, on any flight, at any time. You can also use your points to redeem for vacation packages, hotels, cruises and tours.
• Pick any seat you want from 130+ airlines – with no seat restrictions or blackout periods, even during peak seasons.
• Access more of the world with your 24/7 Visa Infinite Privilege Concierge
• Avion Infinite Privilege card holders have access to book business or first class at a rate of 100 points for $2.
• Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
• Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars and British Airways Avios.
• Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points.
• Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10.
• Get access to RBC offers which provides access to earn points faster at specified brands
• Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
• Flexibility to book flights last-minute: up to 24hrs before.
• Extensive insurance coverage : Mobile Device Insurance included – up to $1,500. Travel with ease with trip cancellation and trip interruption insurance, and emergency medical. Plus, eligible purchases made on the card are protected.

Get $0 delivery fees for 12 months from DoorDash :

• Add your eligible RBC credit card to your DoorDash account to:
• Get a 12-month complimentary DashPass subscription – a value of almost $120.
• Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card

Get 35,000 welcome Avion points on approval** – Enough to fly anywhere in Canada & the U.S† (Alaska and Hawaii require more points)

• Apply online and get a response in as little as 60 seconds.
• Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
• Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
• Avioners earn points that never expire so your points will be waiting for your next adventure.
• Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
• Eligible Avion rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
• Link your RBC card with a Petro-Points membership to instantly save 3¢ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points
• Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
• Get access to RBC offers which provides access to earn points faster at specified brands
• Avioners no longer need 14-days to book travel using the RBC grid
• Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
• Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.

Get $0 delivery fees for 12 months from DoorDash – Add your eligible RBC credit card to your DoorDash account to:

• Get a 12-month complimentary DashPass subscription± – a value of almost $120
• Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card

Welcome offer:

• 20% cash back on eligible gas, groceries and drugstore purchases and pre-authorized payments for your first 3 months. Up to $500 spend.^†

Get :

• 4% cash back for eligible purchases at restaurants, bars and coffee shops (up to $5,000 spend per calendar year).^†
• 1.5% cash back for eligible purchases made at grocery stores, gas stations, drug stores and for eligible pre-authorized purchases (up to $15,000 spend per calendar year).^†
• 0.5% cash back on all other purchases (with no limit on spend per calendar year).^†

Other features:

• Purchase Security and Extended Protection Insurance.^† Protect your purchases with double the manufacturer’s warranty, up to one additional year.
• Get cash back when you send a Global Money Transfer and pay with your Visa* Card.^†
• Send money abroad for no fee with your Simplii Visa using Simplii Global Money Transfer.
• No annual fee

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

Welcome offer: Get up to 120,000 points worth $800 in travel rewards and a $200 anniversary lifestyle credit when you reach your first anniversary

• Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel*
• Get 1 BMO Reward for every $1 spent on everything else*
• Get a $200 Anniversary Lifestyle Credit to spend however you want*
• Enjoy a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD.*
• Earn 25% more points when you add an authorized user to your account*
• Mobile Device Insurance that covers you for up to $1,000*
• Pay with Points by browsing your recent transactions & redeem your points for as little as $1
• Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports*
• Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country*

Transfer your credit card balance – Get 0% interest for up to 10 months with a 1% transfer fee^† and a first year annual fee rebate^†

Check full offer details below^†

• 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 and use your CIBC Select Visa Card with Journie Rewards to 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.^†

Welcome Offer: Get $50 cash back after you make your first purchase within the first 4 months!^†

Plus, get 2% cash back on eligible grocery purchases!^†

• 1% cash back on eligible gas, EV charging, transportation, dining purchases and recurring payments^†
• 0.5% cash back on all other purchases^†
• Get cash back on demand – redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®^†

Get all the student-life essentials on a budget

Eligible student clients can get a free SPC+ card membership, and receive over 450 deals on everyday purchases, bigger discounts, special experiences and exclusive giveaways. Start banking with CIBC and make student life more rewarding.^†

This is a digital-exclusive offer.^† To be eligible for this offer:
1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and
2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you. ^†

This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.^†