Help me choose

Scotiabank American Express Cards, Scotiabank Visa Credit Cards and Scotiabank Personal Line of Credit Accounts

At Scotiabank, we are committed to helping you better understand the terms and conditions associated with your revolving credit products and any updates or changes that we make to them. Please click on the link below to review the current Revolving Credit Agreement for your account. A complete listing of the accounts governed by this agreement is also below.

Revolving Credit Agreement (effective August 1, 2023)
Revolving Credit Agreement (effective March 4, 2025)

See the “Notice of Changes” for more information on the Revolving Credit Agreement that applies to your Account if you have a Credit Card or Line of Credit Account and when your Account was opened.

New!

Notice of Changes

Revolving Credit Agreement Changes

For Scotiabank Personal Line of Credit accounts and ScotiaLine for business Visa* Credit Card accounts opened on or before March 3, 2025

Revolving Credit Agreement (Effective August 1, 2023)

For Scotiabank Personal Line of Credit accounts and ScotiaLine for business VISA* Credit Card accounts opened on or after March 4, 2025

Revolving Credit Agreement (Effective March 4, 2025)

For all Personal and Business Scotiabank Credit Card accounts (except for ScotiaLine for business Visa* Credit Card accounts - see above)

Revolving Credit Agreement (Effective March 4, 2025)

Important updates to the Scotia SelectPay™ Plan Terms and Conditions that apply to the Revolving Credit Agreement for your Scotiabank Personal and Business Credit Card Account

For all Scotiabank Visa credit card accounts and Scotiabank American Express credit card accounts (including the ScotiaLine for business Visa* Credit Card accounts opened on or after March 4, 2025)

Important Notice about SelectPay Plans (Effective as of July 30, 2024)

Credit card account open dates may impact notices that apply to you to help you understand changes we make to our product and services to serve you better now and into the future. Please review them carefully.