• Minimum Credit Limit: $500
• Interest-Free Grace Period: At least 21 days
• Annual Fee: $0
• Interest Rate:
  • 17.99% on purchases
  • 17.99% on cash advances, balance transfers and Scotia^® Credit Card cheques

Learn more about VISA card fees and VISA card interest rates.

Interest rates, fees and features are subject to change.

Annual Interest Rates effective as of October 1, 2018: The preferred Annual Interest Rate of 17.99% on purchases and 17.99% on cash advances, balance transfers, and Scotia Credit Card Cheques is effective until September 30th, 2018,. Effective October 1, 2018, the preferred Annual Interest Rates will increase to 19.99% on purchases and 22.99% on cash advances, balance transfers and Scotia Credit Card Cheques.