Offer
- 2.99% introductory interest rate on Balance transfers for the first 6 months (22.99% after that, annual fee $79)
- 3% cash back on purchases at gas stations, restaurants and office supply stores, as well as on recurring payments, and 1% on all other eligible everyday purchases for your business.
- 25-day interest-free grace period on new purchases
- Suite of comprehensive insurances
- Enjoy the flexibility of buying now and paying little by little with Scotia SelectPayTM
Fees & Conditions
Annual Fee
$79
First Additional Card
$29
Other Additional Card
$29
Foreign Transaction Fee
2.5%
Purchase Rates
19.99%
Cash Advance Rates
22.99%
Balance Transfer Rates
22.99%
Balance Transfer
Balance Transfer Intro Duration
6 month(s)
Balance Transfer - Promotional Rate
2.99%
Advantages
Offer ends on
Oct 31, 2025
Earnings
Per dollar of purchases
All Spending
1 %
Groceries
1 %
Gas
3 %
Dining and Food delivery
3 %
Convenience Stores
1 %
Drugstores
1 %
Local Transport
1 %
Travel
1 %
Entertainment
1 %
Recurring Payments
3 %
Telecom/Internet
1 %
Streaming services
1 %
Online transactions
1 %
Office Supplies
3 %
Insurance
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
8 day(s)
Travel medical insurance up to 64 years old
3 day(s)
Travel medical insurance 65+
3 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
There may be a daily maximum amount depending on the type of fees paid
Other Insurance
Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection
Alternative Cards
Legal
Rates, fees, offers and other information are effective as of November 1, 2024. Subject to change.