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Card Details
Interest Rates
Purchase: 20.99%
Cash Advance: 22.99%
Balance Transfer: 22.99%
Annual Fees
Main Card: $0
Additional Cards: $0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
7.99% introductory interest rate on purchases for the first 6 months (20.99% after that; annual fee $0)
Our Rating
2/5
Institution
Scotiabank
How You Earn Rewards
- 1% cashback on gas, groceries, drug store and recurring payments
- 0.5% cashback on all other credit card purchases.
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
No insurance coverage information available for this card.
Benefits
Details
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car
Pros & Cons
Pros
- No annual fee, making it a low-cost option for cardholders.
- 1% cash back on gas, groceries, drugstores, and recurring bill payments.
- Mastercard acceptance, including at Costco.
Cons
- Poor base earn rate of 0.5% on other purchases.
- No insurance coverage, not even purchase protection.
Legal
†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. Check here for full details and current product information.