Which Scotia Business Card should you choose?

In many cases, small business owners and the self-employed use their personal credit cards for business expenses. Not only can it be difficult to separate business expenses from personal expenses at the end of the year, but business benefits are being overlooked.

Scotiabank cards are different from many business cards, which are often reserved for large corporations. They are aimed at small businesses, the self-employed and professionals.

On the Scotiabank website, you can use a “Small Business Solutions Builder” to find the products and services that meet your business needs.

Scotiabank business credit cards are :

Would you like to earn Scene+ points on business purchases and avoid foreign currency conversion fees on purchases outside Canada, especially when travelling? If so, then the Scotiabank Passport^® Visa Infinite Business* Card is for you!

With this Card, you earn:

• Earn 1.5X the Scene+ points for every $1 spent on purchases for your business (gas, office supplies, restaurants, travel, etc.).
• No Foreign Transaction Fees whether you make purchases online or outside of Canada.
• Six Complimentary airport lounge access.

What’s more, you can use your Scene+ points to save on the purchase of a trip.

Finally, note that this business card has an annual fee and a minimum income requirement.

Would you like to earn cash back on your business purchases and earn high rewards on your purchases at office supply stores, gas stations and restaurants? If so, then the Scotia Momentum^® for business Visa* Card is for you!

With this Card, you earn:

• 3% cash back on eligible gas station, restaurant and office supply store purchases, and on eligible recurring bill payments.
• 1% cash back on all other everyday purchases for your business.

What’s more, you get a 25-day interest-free grace period on new purchases and a full range of protections.

Finally, note that this business card has an annual fee.

Would you like to earn Scene+ points with your business purchases at Home Hardware stores? If so, then the Scotia^® Home Hardware PRO Visa* Business Card is ideal for reward accumulation and business management.

With this Card, you earn:

• 1 Scene+ point for every $1 spent on your card for eligible business purchases at Home Hardware.
• No annual fee for the main card and additional cards
• Credit limit of up to $500,000
• Competitive interest rate tied to Scotiabank’s prime rate
• You can use your credit card at any retailer where Visa is accepted.
• 21-Day interest free grace period on new purchases, making cash management easier.
• Free Visa* SavingsEdge membership
• Up to 25% off the base car rental rate (in Canada and the U.S.)
• Purchase Security Extended Warranty Protection

What’s more, you can 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.

Finally, note that this is a business card with no annual fee.

The ScotiaLine^® for business Visa* Credit Card is a low-interest Visa credit card with no annual fee. With this Card, you earn:

• 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

What’s more, you get a 21-day interest-free grace period on new purchases. Finally, note that this business card has no annual fee.