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Enjoy a 0% promotional interest rate on balance transfers for the first nine months, with a 1% transfer fee. Plus, pay no annual fee for the first year1.
Rates, fees and other information are effective as of July 2, 2026. Subject to change.
1 Offer description and terms and conditions: The 0% introductory rate offer on cash advances and the first-year annual fee waiver (the “Offer”) applies only to new Scotia minimum Visa credit card accounts (the “Accounts”) opened between July 2, 2026 and January 3, 2027 (regardless of when you apply for the Account), subject to the terms and conditions below. We will waive the annual fee for the primary card for the first year only. The Offer may be changed, cancelled or extended at any time without notice, and cannot be combined with any other offer.
Description and terms and conditions of the 0% introductory rate offer:The 0% introductory rate offer (the “Rate Offer”) applies to eligible cash advances (including balance transfers and quasi-cash transactions, collectively referred to as “cash advances”), subject to the terms and conditions below. This introductory rate applies for 9 months from that date (the “Promotional Period”). A fee equal to 1% of the amount of any balance transfer made during the Promotional Period applies (minimum fee of $5.00). After the Promotional Period, the interest rate on balance transfers subject to the 0% promotional rate (including any unpaid balance of those cash advances at the end of the Promotional Period) will revert to the applicable preferred interest rate for cash advances (currently 13.99%).
The introductory rate offer is subject to your Account’s cash advance limit. This offer is also based on your approved credit limit as of the date of this offer. This means that if the total of the balances transferred exceeds the approved credit limit, balance transfers may not be processed. This introductory rate offer cannot be used to transfer the balance of another Scotiabank account, or to make a payment or deposit to another Scotiabank account.
Cancellation of the promotional rate: If we do not receive your minimum payment by the due date shown on your statement two times in a row, you will lose the benefits of this special rate offer and your interest rates will revert to the annual rates normally applicable to your Account (24.99% for purchases and 27.99% for cash advances).
Application of payments: Your payment cannot be applied to the balance of your choice. For persons residing in Quebec: Generally, if one or more interest rates apply to your account, we apply payments according to the interest rate(s) that apply to the transactions posted to your account (from the highest rate to the lowest). For persons not residing in Quebec: Generally, if you make a payment greater than the minimum amount shown on your statement, the difference is applied proportionally to the different groups of charges billed to your account. Charges are grouped according to the interest rate applicable to them. Consult your credit card agreement to learn more about how payments are applied to your account.
Description and terms and conditions of the first-year annual fee waiver offer: We will waive the annual fee for the first year only for the primary card, which must occur between July 2, 2026 and January 3, 2027.
Eligibility and exclusions: You cannot take advantage of the Offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or if you have been one in the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account (and subject to the exclusions mentioned, persons holding a Scotiabank business credit card are eligible for this offer). By accepting this Offer, you confirm that you meet all eligibility conditions. We reserve the right to revoke this Offer at any time if we believe you do not meet the eligibility conditions, including after its acceptance or obtaining the Account.
Rates and fees: Current annual fees are $29 for the primary card, and additional cards are free (including those issued to co-account holders and additional cardholders).The preferred annual interest rates currently applicable to the Account are as follows: 13.99% on purchases 13.99% on cash advances. All rates, fees, features and benefits described in the application disclosure statement are subject to change.
Get 15% cash back on all purchases (up to $2,000 in total purchases) for the first three months1. 0% introductory rate on balance transfers for the first 12 months (2% cash advance fee, thereafter: 22.99%)1.
1 Offer Terms and Description: The 15% cash back, 0% introductory balance transfer rate, and first-year annual fee waiver offer (the “Offer”) applies only to new Scotia Momentum Visa Infinite+ credit card accounts (the “Accounts”) opened, and any additional cards issued, between July 2, 2026, and November 1, 2026 (regardless of the date you apply for the Account), subject to the terms and conditions set out below. We will waive the initial annual fees, for the first year only, for the primary card and for each additional card. The Offer may be changed, cancelled, or extended at any time, without notice, and cannot be combined with any other offer.
Description and Terms of the 15% Cash Back Offer: You will receive 15% cash back on the first $2,000 in eligible purchases charged to your new Account during the three months following its opening date (the “Promotional Period”). Eligible purchases mean purchases, minus refunds, returns, and any similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, and card and other fees. After the Promotional Period, you will earn the usual cash back on your purchases, at the regular rate (the “Program Cash Back Rate”) described in the Scotia Momentum Visa Infinite+ cash back program terms (the “Program Terms”). The 15% cash back rate for each category is the sum of the regular cash back rate (which varies by category) and the bonus cash back rate that varies during the Program Cash Back Rate (the “cash back rate”).
The cash back earned under this offer will be credited to your Account, provided it is open and in good standing on the cash back payment date.1. Bonus Cash Back Rate: Cash back earned at the Bonus Cash Back Rate may be credited to your Account approximately 5 months following its opening date, or otherwise, in accordance with the Program Terms.2. Regular Cash Back Rate: Cash back earned at the Program Regular Cash Back Rate may be used as described in the Program cash back.
EXAMPLE: If the Program Regular Cash Back Rate for grocery purchases and recurring payments is 4%, the Bonus Cash Back Rate will then be 11% for that purchase category, so that all eligible everyday purchases in this category will qualify for a total cash back of 15% during the Promotional Period, on the first $2,000 in purchases. If you make eligible everyday purchases at grocery stores and recurring payments totalling $2,000, the cash back credited to your Account for this category will be calculated as follows:(1) a Bonus Cash Back of $220 (11% x $2,000), credited as an adjustment on your statement, and (2) the Regular Cash Back of $80 (4% x $2,000), which will appear on your monthly statements as it is earned.
All other program terms continue to apply during the Offer period.
Description and Terms of the 0% Introductory Balance Transfer Offer: The 0% introductory interest rate offer on balance transfers (the “Rate Offer”) applies only to eligible cash advances (including balance transfers and quasi-cash transactions, collectively referred to as “cash advances”), subject to the conditions below. This introductory rate applies for 12 months from this date (the “Promotional Period”). After the Promotional Period, the interest rate on cash advances covered by the 0% promotional rate (including any outstanding balance of such cash advances at the end of the Promotional Period) will revert to the preferred interest rate applicable to cash advances (currently 22.99%). A fee corresponding to 2% of the amount of any cash advance made during the Promotional Period applies (minimum fee of $5.00).
The Offer is subject to any cash advance limit on your Account. This Offer is also based on your approved credit limit on the date of this Offer. This means that if the sum of transferred balances exceeds the approved credit limit, balance transfers may not be processed. This Offer cannot be used to transfer a balance from another Scotiabank account, nor to make a payment or deposit to another Scotiabank account.
Cancellation of the promotional rate: If we do not receive your minimum payment by its due date shown on your statement twice in a row, you will lose the benefits of this special rate offer and your interest rates will revert to the annual rates normally applicable to your Account (currently 25.99% for purchases and 27.99% for cash advances).
Application of Payments: For residents of Quebec: In general, if one or more interest rates apply to your Account, we apply payments according to the interest rate(s) applicable to the transactions posted to your Account (from highest to lowest rate). For residents outside Quebec: In general, if you make a payment greater than the minimum amount shown on your statement, the difference is applied proportionally to the different groups of charges billed to your Account. Charges are grouped based on the interest rate applicable to them. Your payment cannot be applied to the balance of your choice. Consult your credit card agreement for more information on how payments are applied to your Account.
Description and Terms of the Annual Fee Waiver Offer: We will waive the annual fees, for the first year only, for the primary card and for each additional card issued between July 2, 2026, and November 1, 2026.
Eligibility and Exclusions: You are not eligible for this Offer if you are currently a primary or secondary holder of a Scotiabank personal credit card or have been within the last two years, including if you transfer your balance from a Scotiabank personal credit card account and if you are a Scotiabank employee. Subject to the exclusions mentioned above, holders of a Scotiabank small business credit card are eligible for this Offer. By accepting this Offer, you confirm that you meet all eligibility requirements. We reserve the right to revoke this Offer at any time if we determine that you do not meet the eligibility requirements, including after its acceptance or the opening of the Account.
Rates and Fees: The current annual fees are $120 for the primary card and $50 for each additional card (including those issued for co-account holders and additional cardholders). The current preferred annual interest rates applicable to the Account are: 20.99% on purchases and 22.99% on cash advances. Rates, fees, features, and benefits, which are described in the application disclosure, may be changed.
5% cash back on all purchases (up to $2,000 in total purchases) for the first three months1. 0.99% introductory rate on balance transfers for the first nine months (2% fee per cash advance; thereafter: 22.99%; no annual fee)1.
1 Offer description and terms and conditions: The 5% cash back offer and 0.99% introductory rate on balance transfers (the “Offer”) apply only to new Scotia Momentum Visa Card accounts with no annual fee (the “Accounts”) opened between July 2, 2026 and November 1, 2026 (regardless of when you apply for the Account), subject to the terms and conditions set out below. All other program terms and conditions continue to apply during the Offer period. The Offer may be changed, cancelled or extended at any time, without notice, and cannot be combined with any other offer.
Terms and conditions of the 5% cash back offer: You will receive 5% cash back on the first $2,000 in eligible purchases charged to your new Account during the three months following the date it is opened (the “Promotional Period”). Eligible purchases are purchases, less refunds, returns and any other similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, as well as card fees and other fees. After the Promotional Period, you will earn the regular cash back on your eligible purchases at the regular rate (the “Program Cash Back Rate”) described in the terms and conditions of the Scotia Momentum Visa Card with no annual fee cash back program (the “Program Terms”). The 5% cash back rate for each category is the sum of the regular Program Cash Back Rate (different for each category, as per the Program Terms) and the “Bonus Cash Back Rate” which varies during the regular program cash back rate (the “Cash Back Rate”).
The cash back earned under this offer will be credited to your account, provided it is open and in good standing on the date the cash back is paid.1. Bonus Cash Back Rate: Cash back earned at the Bonus Cash Back Rate may be posted to your account approximately 5 months after the date it is opened or otherwise in accordance with the program terms.Regular Cash Back Rate: Cash back earned at the regular Program Cash Back Rate can be used as described in the program cash back.EXAMPLE: If the regular Program Cash Back Rate for grocery purchases and recurring payments is 1%, the Bonus Cash Back Rate will then be 4% for this category of purchases, so that all eligible everyday purchases in this category will qualify for a total cash back of 5% during the promotional period, on the first $2,000 of purchases. If you make eligible everyday grocery purchases and recurring payments totaling $2,000, the cash back credited to your account for this category will be calculated as follows:(1) a Bonus Cash Back of $80 (4% x $2,000), posted as an adjustment on your statement, and (2) the regular Cash Back of $20 (1% x $2,000), which will appear on your monthly statements as earned cash back.
Description and terms and conditions of the 0.99% introductory rate offer on balance transfers: The 0.99% introductory interest rate offer on balance transfers (the “Rate Offer”) applies only to eligible cash advances (including balance transfers and quasi-cash transactions, collectively referred to as “cash advances”), subject to the terms and conditions below. This introductory rate applies for nine months from that date (the “Promotional Period”). After the Promotional Period, the interest rate on cash advances subject to the 0.99% promotional rate (including any balance of those cash advances that remains unpaid at the end of the Promotional Period) will increase to the preferred interest rate applicable to cash advances (currently 22.99%). A fee equal to 2% of the amount of any cash advance made during the Promotional Period applies (minimum fee of $5.00).
Cancellation of Promotional Rate: If we do not receive your minimum payment by its due date indicated on your statement for two consecutive times, you will lose the benefits of this special rate offer and your interest rates will revert to the annual rates normally applicable to your Account (currently 25.99% for purchases and 27.99% for cash advances). All other program terms continue to apply during the Offer period.
Rates and fees: There is currently no annual fee for the primary card and additional cards (including those issued for joint account holders and additional cardholders).The preferred annual interest rates currently applicable to the account are as follows: 20.99% on purchases and 22.99% on cash advances. All rates, fees, features and benefits, which are described in the application disclosure, are subject to change.
Get up to $1,200 in value, including up to 80,000 bonus points, a monthly statement credit for streaming services, a $50 statement credit, and no annual fee for the first year.*
*Terms and conditions apply
BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.
*Conditions apply. Information sheet.
Introductory rate of 0.99% on balance transfers for the first nine months (2% fee per cash advance, thereafter: 22.99% on cash advances, including balance transfers; $49 annual fee)¹.
Rates, fees, offers and other information are effective as of October 31, 2025. Subject to change.
1 Offer description and conditions: The 0.99% introductory rate on balance transfers offer (the « Offer ») applies only to cash advances (including balance transfers and quasi-cash transactions, collectively referred to as « cash advances »), subject to the conditions below. This introductory rate applies from the opening of the account, which must occur between July 2 and January 3, 2027 (regardless of the date on which you apply for the account), and remains in effect for nine months from that date (the « promotional period »). After the promotional period, the interest rate on cash advances covered by the 0.99% promotional rate (including any balance of these cash advances unpaid at the end of the promotional period) will change to the preferred interest rate applicable to cash advances (currently 22.99%). A fee of 2% of the amount of any cash advance made during the promotional period applies ($5.00 minimum fee).
The Offer is subject to any cash advance limit on your Account. This Offer is also based on your approved credit limit on the date of this Offer. This means that if the sum of transferred balances exceeds the approved credit limit, balance transfers may not be processed. This Offer cannot be used to transfer a balance from another Scotiabank account, nor to make a payment or deposit to another Scotiabank account. The Offer may be modified, cancelled or extended at any time without notice, and it cannot be combined with any other offer.
Cancellation of promotional rate: If we do not receive your minimum payment before its due date shown on your statement twice consecutively, you will lose the benefits of this special rate offer and your interest rates on any unpaid balance will change to the annual rates normally applicable to your account (currently 24.99% for purchases and 27.99% for cash advances). This offer cannot be used to transfer the balance from another Scotiabank account, nor to make a payment or deposit to another Scotiabank account. All other program conditions continue to apply during the offer period.
Rates and fees: The current annual fees are $49 for the primary card and $15 for each additional card (including those issued for joint account holders and additional cardholders). The preferred annual interest rates currently applicable to the account are as follows: 20.99% on purchases and 22.99% on cash advances. All rates, fees, features and benefits, which are described in the statement relating to the application, may be changed.
Get up to 14,000 Avion points^ – a value of up to $100 in gift cards†! Apply by November 4, 2026.
Points and Rewards
No annual fee
Refer to RBC page for up to date offer terms and conditions
^ This offer is only available for new RBC ION Visa credit card applications received between June 16 and November 4, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Co-applicants (co-applicant and authorized user[s]) on an RBC ION Visa credit card account, as well as existing RBC Royal Bank personal credit cardholders who switch to an RBC ION Visa credit card during the Offer Period, are not eligible for this offer.
7,000 Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC ION Visa credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome Points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
An additional 7,000 Avion points (“Additional Points”) will be awarded to you if a total of at least $500 (the “eligible transaction amount”) in eligible net purchases or eligible pre-authorized bill payment transactions (“eligible transactions”) is charged to your RBC ION Visa credit card account within the first three months from your credit card account opening date (the “Period”), provided your account is open and in good standing at the time the Additional Points are credited to your credit card account. The Additional Points will be credited approximately 60 days after you have reached the eligible transaction amount. Eligible transactions exclude cash advances (including balance transfers, cash-like transactions, and bill payments that are not pre-authorized payments set up with a merchant), interest, and other fees. Credits for returns or adjustments that reduce the amount of eligible transactions below the $500 threshold will result in the cancellation of your Additional Points.
The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
If you close your eligible credit card or switch to another type of RBC ION Visa credit card before the Welcome Points or Additional Points have been credited to your account, you may no longer be eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify, or withdraw this offer at any time without notice, even if your application has already been approved, including if we have reason to believe that you are manipulating or abusing the process, or engaging in suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For full terms and conditions applicable to the Avion Rewards program, visit www.avionrewards.com or call 1-800-769-2512.
† To obtain gift cards or gift certificates with a value of $100, you need 14,000 Avion points. A minimum of 1,400 Avion points must be redeemed for most $10 gift cards or gift certificates. Some exceptions apply. Point redemption values may vary. For full terms and conditions and restrictions applicable to the redemption of Avion Rewards points, as well as current point redemption values, visit https://www.avionrewards.com/terms or call 1-800-769-2512.
Earn up to 28,000 Avion points^ – a value of up to $200 in gift cards†! Apply by November 4, 2026.
Annual Fee $48
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ‡ All other trademarks are the property of their respective owner.
^ This offer is only available for new RBC ION+ Visa credit card applications received between June 16, 2026, and November 4, 2026 (“offer period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders (co-applicants and authorized users) of the RBC ION+ Visa card account, as well as current holders of any personal RBC Royal Bank credit card who switch to the RBC ION+ Visa card during the offer period, are not eligible for this offer.
7,000 Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC ION+ Visa credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
14,000 additional Avion points (“additional points”) will be awarded to you if a total amount of at least $1,500 (“eligible transaction amount”) in net eligible purchases or eligible pre-authorized bill payment transactions (“eligible transactions”) is charged to your RBC ION Visa credit card account within the first six months following your credit card account opening date (“period”), provided your account is open and in good standing at the time the additional points are credited to your credit card account. The additional points will be credited approximately 60 days after you have reached the eligible transaction amount. Eligible transactions exclude cash advances (including balance transfers, cash-like transactions, and bill payments that are not pre-authorized payments set up with a merchant), interest, and other fees. Credits for returns or adjustments that reduce the eligible transaction amount below the $1,500 threshold will cancel your additional Avion points.
A total of 7,000 additional Avion points (“anniversary points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks following the first anniversary of your credit card account opening, provided that the account is open and in good standing at the time the anniversary points are credited to the account.
If you close your RBC ION Visa credit card account or switch to another type of RBC Royal Bank credit card before the welcome bonus points, additional points, or anniversary points have been credited to your account, you may no longer be eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify, or withdraw this offer at any time without notice, even if your application has already been approved, including if we have reason to believe that you are manipulating or abusing the process, or engaging in suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For full terms and conditions applicable to the Avion Rewards program, visit www.avionrewards.com or call 1-800-769-2512.
† To obtain gift cards or gift certificates with a value of $200, you need 28,000 Avion points. A minimum of 1,400 Avion points must be redeemed for most $10 gift cards or gift certificates. Some exceptions apply. Point redemption values may vary. For full terms and conditions and restrictions applicable to the redemption of points from the Avion Rewards program, as well as current point redemption values, visit https://www.avionrewards.com/terms or call 1-800-769-2512.
ns or call 1-800-769-2512.
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