Rebate + 25% Referral Bonus
Take advantage of Finly's exclusive rebate offer. Earn even more by sharing your unique referral link for a 25% bonus. Learn more about the Finly referral program.
What's on this Page
Card Details
Based on $2,000 spending
First Year Value
$312.53
$157.53 in years after
Annual Rewards
$157.53
First Year Bonus
$100
Finly Rebate
Annual Fee
$0
First Year Value
$312.53
$157.53 in years after
Interest Rates
Purchase: 19.99%
Cash Advance: 22.99%
Balance Transfer: 22.99%
Promotional Rates
Balance Transfer: 0
Promotional Period: 6 months
Annual Fee
$0
Annual Income
Personal: $12,000
Household: N/A
Credit Score Estimate
Welcome Bonus
Earn 5% cash back on all 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)
Card & Reward Type
Card Type: Credit
Reward Type: Cash Back
Our Rating
2.9/5
Institution
Scotiabank
Rewards†
- 1% cash back on gas, groceries, drug store and recurring payments
- 0.5% cash back on all other credit card purchases (unlimited).
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: Enjoy cash back rewards without any annual cost.
- Welcome Offer: Get 5% cash back on purchases for the first three months (up to $100).
- Cash Back Rewards: Earn up to 1% cash back in select categories.
Cons
- Lower Earn Rate: Offers a below-average cash back rate compared to other cards.
- Annual Redemption: Cash back can only be redeemed once per year.
- Lacks Insurance Coverage: No travel or consumer insurance, including purchase protection and extended warranty.