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Scotiabank Value Visa Card
VISALow interest for carrying a balance
Scotiabank Value Visa Card
0.99% introductory balance transfer rate for first 9 months + first year annual fee waived
Annual fee $29Purchase APR 13.99%
Apply on Scotiabank →Why get this card
- ✓Low 13.99% purchase 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
- —
Compare with similar cards
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.
Official sources
Every figure on this page comes from Scotiabank's own pages. Last checked 2026-06-13.