Network: Visa

• 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

• 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. Extended offer ends October 31, 2025
• 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.

• Special offer : Earn 5% cash back on eligible purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (2% fee per cash advance, 22.99% after that; annual fee $0).
• 1% cash back on all eligible purchases at gas stations, grocery stores, drugstores and on recurring payments.

• Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39). The offer ends on October 31, 2025.
• Earn 2% cash back on all eligible purchases at gas stations, grocery stores, drugstores and on recurring payments.
• Earn 1% cashback on all other eligible cashback purchases

Receive up to 7,500 bonus Scene+ points for the first three months (up to $75 in rewards).

• 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

Earn 35,000 Avion points upon approval** (a value of up to $750†).

• 35,000 Avion points are enough for a roundtrip flight to fly anywhere in North America (Alaska and Hawaii require more points). Taxes and fees not included.†
• Earn 1 Avion point per dollar
• No blackout periods or seat restrictions – ever!

Earn up to $50 in Cash Back Dollars^† with the TD Cash Back Visa Card. Conditions apply. Offer effective as of June 4, 2025.

• Earn $10 in Cash Back Dollars on first purchase with your card^†.
• Earn an additional $40 in Cash Back Dollars when you reach a spend of $1,500 in the first 3 months of account opening^†.
• Cash Back Dollars can be redeemed to help pay down your account balance^†.
• For every eligible purchase you make, you earn Cash Back Dollars credit for a percentage of that purchase.
• Earn 1% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases^†.
• Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card^†.
• Earn 50% more Stars at participating Starbucks^® locations. Conditions apply. Learn more.
• Save when you rent a vehicle from Avis and Budget. Use your TD credit card and get 10% off the lowest available rates^† in Canada and the U.S. and at least 5% off the lowest available international rates^† on qualifying vehicle rentals at participating Review and Budget locations.
• Optional TD Auto Club^† membership for 24/7 emergency roadside assistance.
• Purchase insurance and extended warranty protection^† - You automatically benefit from Purchase Insurance and Extended Warranty Protection, which covers most personal items purchased with your card that are stolen or damaged within 90 days of purchase.

Get a 0% promotional interest rate on Purchases for the first 6 months^† from Account opening. Conditions apply. Offer effective as of June 4, 2025.

Feel prepared, even during uncertain times. The TD Low Rate Visa* Card is an option if you’re carrying a balance or if you need to finance bigger or unexpected purchases. We’re ready to help you move forward.

• Save on interest with a low annual interest rate of 12.90%^† (13.90%^† in Quebec) on Purchases and Cash Advance transactions.
• Option to purchase Travel Medical Insurance^† and Trip Cancellation/Trip Interruption Insurance^†.
• Earn 50% more Stars at participating Starbucks^® stores. Conditions apply.

Enjoy all of the benefits of your TD Low Rate Visa* Card when using Apple Pay^† or Samsung Pay^†. It's an easy and secure way to pay.

Earn up to $600 in value^†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500^†. Conditions apply. Offer effective as of April 30, 2025. Conditions apply. Offer effective as of April 30, 2025.

• Bonus Eligible Purchases are Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases, until a total collective spend of $3,500 of such purchases have been made^†.
• Get an Annual Fee Rebate for the first year^†.

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.

• Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†.
• Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
• Earn 1% in Cash Back Dollars on all other Purchases†.
• Redeem your Cash Back Dollars to help pay down your Accounts balance whenever you please - the choice is yours†!
• Cash Back Dollars do not expire as long as your account is open and in good standing.
• 24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership, included at no additional cost.
• Complimentary Visa Infinite* Concierge service^† available 24/7
• Mobile Device Insurance^†: Up to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices.

• Earn up to $1,200* in value in the first 12 months, including up to 40,000 bonus Scene+ points
• No foreign transaction fees
• 6 complimentary airport lounges visits per year
• Comprehensive Travel Insurance coverage