7 million Canadians have compared and saved


Scotiabank Value® VISA card

Save on interest payments - 0.99% introductory rate on balance transfers and cash advances.

Apply Online
Our Rating:

Card Details

Features and Benefits

  • Purchase protection and extended warranty
  • Avis Rental Car Discount

  • Special Offer: 0.99% introductory interest rate on cash advances, and balance transfers for the first six months for accounts opened by October 31, 2015.

  • Save money on interest payments with a low interest rate

  • Pay down your balances faster

  • Simplify your monthly payments and save even more by transferring balances from higher rate cards

RateSupermarket.ca's Review

Looking to pay off some credit card debt? There's no sense wasting hard earned money on interest payments (which often prevent you from making a serious dent in your principal!) when you could be paying as little as 0.99% on balance transfers. Many credit card consumers don't fully understand the concept of a balance transfer, but these credit cards can be excellent tools in the quest to be debt-free: transfer an existing balance from a higher interest rate credit card to the Scotiabank Value® VISA card and pay only 0.99% in interest for the first six months. On top of that, the ongoing interest rate for new purchases is only 11.99%, much lower than the average 19.99%. Plus, pay no hidden balance transfer fees! All with a low annual fee of $29. After your first six months are up and the introductory interest rate ends, you'll pay a low rate of 11.99%. To put this into perspective: if you're carrying a balance of $1,500 on another credit card with a 19.99% interest rate, you'll save $139.65 in the first six months alone by switching to the Scotiabank Value® VISA card.

Top Features About Scotiabank Value® VISA card

  • 0.99% introductory interest rate on balance transfers and cash advances for the first six months; only 11.99% thereafter
  • No hidden balance transfer fees
  • ongoing purchase rate of 11.99%
  • Instant cash advances

Pros and Cons of the Scotiabank Value® VISA card


Pros Cons
  • Save money on interest with a 0.99% introductory interest rates on balance transfers and cash advances for the first 6 months
  • Ongoing interest rate only 11.99%
  • $29 annual fee

How We Did It: Balance Transfers

Ave. Canadian Credit Card Debt Amount Paid Monthly Debt Timeline
$3,277.33 Minimum Payment (varies) 24 Months


All interest totals include limited time interest rates, credits, bonuses and annual fees.

Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.

Apply Online