⚠ Disclaimer: We may earn a commission if you apply through the links on this page. Any results described are from our own personal experience — individual results vary, and card terms and rewards pricing change over time, so confirm current details with the issuer before applying.
Welcome offer
0.99% introductory interest rate on balance transfers for the first 9 months
+$60 extra cash back paid by FinlyWealth when you apply through our link and are approved.
Key facts
Annual fee$39
Purchase rate19.99%
Cash advance rate22.99%
Foreign transaction fee2.5%
Rewards1% - 2% cash back
NetworkVisa
Card typeCredit card
Credit score neededGood
Minimum income$12,000 personal
Pros
- Decent optimization
- Low balance transfer rate
- Low annual fee
- Car rental discounts
Cons
- Limited insurance
- Annual redemption
All Scotiabank cards · Balance transfer cards · Cash back cards
Similar cards
| Card | Welcome offer | Extra cash back | Annual fee | Purchase rate | Cash advance | FX fee | |
|---|---|---|---|---|---|---|---|
 American Express | Up to $250 ($200 in first year)Est. value $200 | — | $119.88 | 21.99% | 21.99% | 2.5% | Apply → |
 Neo Financial | Get your first year annual fee waived ($149 value) exclusively through us.Est. value $149 | +$100 cash back | $1491st year free | 19.99% | 22.99% | 2.75% | Apply → |
 Neo Financial | Get your first year annual fee waived ($149 value) exclusively through us.Est. value $149 | +$100 cash back | $1491st year free | 19.99% | 22.99% | 2.75% | Apply → |
 Neo Financial | Get your first year annual fee waived ($149 value) exclusively through us.Est. value $149 | +$100 cash back | $1491st year free | 19.99% | 22.99% | 2.75% | Apply → |
Card data from FinlyWealth, updated 2026-11-08. Rates, fees and offers change often — confirm the current terms on the issuer's site before applying. crediteasy.ca is independent and does not provide financial advice.