Scotiabank Value Visa Card
VISALow interest for carrying a balance
Scotiabank Value Visa Card
6.4Canada Cards ScoreGood0.99% introductory balance transfer rate for first 9 months + first year annual fee waived
Why get this card
- ✓Low 13.99% purchase rate
Pros
- +Low 13.99% purchase interest rate
Cons
- -$29 annual fee
- -No published earn rate
Earn rates
No earn rates captured.
Welcome offer
0.99% introductory balance transfer rate for first 9 months + first year annual fee waived
- Bonus points
- —
- Minimum spend
- —
- Spend window
- —
- Offer ends
- 2026-10-31
0.99% promotional interest rate on balance transfers for first 9 months plus first-year annual fee waiver; for accounts opened October 31, 2025 - October 31, 2026.
Fees
- Annual fee
- $29
- Additional card
- No fee
- Foreign transaction fee
- —
Interest rates
- Purchase APR
- 13.99%
- Cash advance APR
- 13.99%
- Balance transfer APR
- 13.99%
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- 1
- Creditor Insurance
Redemption & eligibility
- Reward currency
- —
- Redemption options
- —
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
How we scored it
6.4Good- Everyday earn rateWeight 30
No published earn rate
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
$29 annual fee
- Benefits depthWeight 15
1 insurance coverages
- Interest costWeight 10
13.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
Compare with similar cards
Learn before you apply
Frequently asked
- Is the Scotiabank Value Visa Card worth it?
- It carries a $29 annual fee. Low 13.99% purchase rate. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the Scotiabank Value Visa Card?
- The annual fee is $29. The purchase interest rate is 13.99% and the cash advance rate is 13.99%. These are sourced from Scotiabank's official page.
- What rewards does the Scotiabank Value Visa Card earn?
- This card does not focus on rewards; see its fees and rates above.
- When does the Scotiabank Value Visa Card welcome offer expire?
- The current welcome offer expires 2026-10-31. Check the issuer's page to confirm it is still available before applying.
More ways to compare
Official sources
Every figure on this page comes from Scotiabank's own pages. Last checked 2026-06-13.
Cited, never sponsored
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