Scotiabank is a Schedule I bank with live offers in {market}. Compare the specific product — personal, business or a card — on the published {rateAbbr} and fees, not the brand.
Our review
8.7
4.4(1 review)
James Okonkwo · Editor, cards and deposits
Editorial review — not personal advice and not a promise of approval.
Suits:A full-service bank listing when the apply link matches the product you actually want.
Scotiabank is a Schedule I bank with live offers in Canada. Compare the specific product — personal, business or a card — on the published APR and fees, not the brand.
Editorial scores
Cost8.4
Flexibility8.8
Transparency8.8
Service8.8
What stands out
Schedule I bank
Consumer and business offers
Branch network
Scotiabank (including SMB listings) appears in Canada only where we have an attributed apply link. Filter personal loans, business credit or cards.
Supervision: OSFI and the FCAC. Not a promise of approval.
Pros
A licensed bank, with each product family priced on its own terms.
More than one product family can appear when each has a live deal.
Written offer is what matters, not a national average.
Cons
Brand recognition is not a score for cost.
Business and personal products have different underwriting.
Questions about Scotiabank Value Visa Card
Why do I see Scotiabank and Scotiabank SMB?
The tracker lists the issuer name on each live deal. Compare the product in front of you.
Representative example. Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
How it compares
This card against the next three in this market, on published terms.
How it compares
Scotiabank Value Visa CardThis card
Scotiabank Platinum American Express Card
Scotiabank Value Visa Card (for students)
Cathay World Elite Mastercard
Network
Visa
American Express
Visa
Mastercard
Annual fee
$29
$399
$29
$180
Purchase rate
13.99%
9.99%
13.99%
19.99–26.99%
Rewards
This card focuses on borrowing costs or USD spending rather than a points or cashback programme.
2 Scene+ points/$ on eligible purchases; 5 points/$ on eligible hotels and car rentals booked through Scene+ Travel.
This card focuses on borrowing costs or USD spending rather than a points or cashback programme.
1 Asia Mile/$ on eligible Canadian purchases; 2 miles/$ on foreign-currency purchases. Additional Cathay and partner earn rates apply.
APR
13.99%
9.99%
13.99%
19.99%–26.99%
Card type
Consumer
Consumer
Consumer
Consumer
Supervised by
FCAC
FCAC
FCAC
FCAC
Reader reviews
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Other cards in this market
Scotiabank
•••• •••• •••• 1234
Scotiabank Platinum American Express Card
AMEX
Scotiabank Platinum American Express Card
8.74.4(1)
from Scotiabank
Lowest APR
2–5 pts/$
Rewards
$399
Annual fee
9.99%
Purchase rate
Consumer
Reward points
2 Scene+ points/$ on eligible purchases; 5 points/$ on eligible hotels and car rentals booked through Scene+ Travel.
APR
9.99%
Annual fee: CAD 399. Purchase interest: 9.99%. Cash advances: 9.99%. Rates and fees may change; see issuer information box.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
This card focuses on borrowing costs or USD spending rather than a points or cashback programme.
APR
13.99%
Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
1 Asia Mile/$ on eligible Canadian purchases; 2 miles/$ on foreign-currency purchases. Additional Cathay and partner earn rates apply.
180 CAD annual card fee. Secured credit requires a security deposit and Build membership at CAD 9.99/month in addition to the annual fee.
APR
19.99%
Issuer determines eligibility and available card type after application.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank: Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank: Annual fee: CAD 399. Purchase interest: 9.99%. Cash advances: 9.99%. Rates and fees may change; see issuer information box.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank: Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Neo Financial: Issuer determines eligibility and available card type after application.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
