Scotiabank Value® Visa* Card Review

1. Offer Description and Conditions: The Introductory 0% Balance Transfer Rate and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotiabank Value Visa credit card accounts (“Accounts”) that are opened between July 2, 2026 and January 3, 2027 (regardless of the date you apply for the Account) subject to the conditions below.  We will waive the annual fee for the primary card on the Account for the first year only.  Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. 

Introductory 0% Balance Transfer Rate Offer Description and Conditions: The Introductory 0% Balance Transfer Rate Offer (the “BT Rate Offer”) applies only to eligible cash advances (including balance transfers and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies for 9 months from date of Account opening (the “BT Promotional Period”).  A balance transfer fee of 1% of the amount of each Cash Advance transferred or made during the BT Promotional Period applies (minimum fee of $5.00). After the BT Promotional Period, the promotional 0% interest rate on any Cash Advances (including any amount of those Cash Advances that remain unpaid after the BT Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 13.99%). 

This BT Rate Offer is subject to any Cash Advance limits on your Account. This BT Rate Offer also is subject to the approved credit limit that is being offered to you as of the date of this BT Rate Offer. This means if a balance transfer amount(s) requested exceeds your approved credit limit as of the date this BT Rate Offer was provided to you, it may not be processed. This BT Rate Offer cannot be used for any Scotiabank account including to transfer a balance from another Scotiabank account, or to make a payment or deposit to another Scotiabank account. 

Losing your Promotional Rate: If we don’t receive  the minimum payment on your Account by the payment due date on your statement, two consecutive times , you will lose the benefit of this promotional BT Rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances). 

How We Apply Payments: Your payment cannot be applied to the balance(s) of your choice. For Quebec residents: In general, if you have different interest rate(s) that apply to your Account, we apply payments to transactions based on the interest rate(s) that applies to those transactions on your Account (from highest to lowest rates). For non-Quebec residents: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. See your credit card agreement for more information about how we apply payments to your Account. 

First Year Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card issued between July 2, 2026 and January 3, 2027 on the Account for the first year only.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switched to an existing Scotiabank personal credit card  are not eligible for the Offer (and subject to these exclusions, individuals with a Scotiabank business credit card are also eligible for the Offer). By accepting this Offer you confirm you meet all Offer eligibility requirements. We reserve the right to revoke this Offer at any time if we determine you do not meet the Offer eligibility requirements, including after you have accepted the Offer or been approved for the Account.

Rates and Fees:  The current annual fee is $29 for the primary card and $0 for each additional card (including those issued to co-borrowers and supplementary cardholders). 

The current preferred annual interest rates for the Account are 13.99% on purchases and 13.99% on Cash Advances 

All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

2.Get up to 3 cents per litre in instant fuel discounts and earn up to 2 cents per litre in Scene+ points value with a Scotiabank Value^® Visa^* Card linked to a Shell Go+ Account:

• Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions or Tangerine Fuel Benefit Terms and Conditions (as applicable). 
• Earn up to 2 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: As a Scene+ Member you will  automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank Value^® Visa^* Card. This means that for every litre in fuel purchased with your eligible linked card, you can earn the equivalent of up to 2 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell Locations.  Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditionsopens in a new tab for full details including redemption options and additional terms. 

Note: Highest value of 5 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Value® Visa^* Card linked to a Shell Go+ Account. Actual value will vary depending on whether or not the credit card is linked, fuel grade purchased, cost of fuel at time of purchase, whether or not you are a Scene+ member, and how you choose to redeem your Scene+ points.

See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.