Scotiabank Value® Visa* Card

Flytrippers opinion: A great balance transfer offer to get 0% interest rate for 10 months (1% transfer fee).
Flytrippers Valuation
of Welcome bonus (net value)
ends October 31st

via Scotia secure application link
$ 0

Rewards: $0

Card fee: $0 $29

Earn no rewards
no rewards

Uses: to save on interest
for 10 months
How to unlock bonus
no welcome bonus

(*minimum value: $0
*maximum value: $0)
Card eligibility
minimum income required: $12k

Welcome bonus eligibility
must not have had a Scotia card for 2 years (incl. joint card)
Terms and conditions apply. Flytrippers editorial opinion only. Scotia is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.

Summary of Flytrippers' review


  • 0% interest rate for 10 months on balance transfers (1% transfer fee)
  • No annual fee the 1st year


  • Those who have outstanding balances on any card not issued by Scotiabank

Card details

Welcome bonus structure

0% interest rate for 10 months on balance transfers (1% transfer fee)

Apply for the Scotiabank Value® Visa* Card

Value of the welcome bonus offer

Depends on your amount of balances and the interest rates on your other cards

Apply for the Scotiabank Value® Visa* Card

Value of redemption options

No rewards

Earn rates

No rewards

Discount on rental cars
You get up to 25% off rental cars with AVIS (worldwide) and Budget (Canada and U.S.).

‣Learn more about the Scotiabank rental car benefits (coming soon)

Scotia SelectPay monthly payment plans
Transform an eligible purchase of over $100 into fixed monthly payments.

‣Learn more about the Scotia SelectPay benefit (coming soon)

Insurance included


‣Learn more about the insurance coverage included with the Scotiabank Value® Visa* Card (coming soon)

Insurance not included

Medical travel insurance
Trip cancelation insurance
Trip interruption insurance
Flight delay insurance
Rental car insurance
Delayed and lost baggage insurance
Travel accident insurance
Hotel burglary insurance
Purchase protection coverage
Extended warranty coverage
Mobile device insurance

‣Learn more about the different types of insurance coverage (coming soon)

Card eligibility
Minimum income: $12,000 (personal)
Age: Majority in your province
Estimated credit score: Good or Excellent
Credit bureau: TransUnion Canada

Learn more about credit card eligibility requirements (coming soon)

Welcome bonus eligibility
You must not have had a Scotia card in the past 2 years.

Learn more about credit card welcome bonus eligibility rules (coming soon)

Offer end date
Offer ends July 1, 2024

Subscribe to Flytrippers’ free travel rewards newsletter to get all card updates

Card details
Issuer: Scotiabank
Network: Visa
Card type: Credit card
Product type: Personal card

‣Learn more about credit card types basics (coming soon)

Annual fee
Card fee: $29/year (no annual fee the 1st year)
Fee for additional card: $0

‣Learn more about why Flytrippers recommends never looking at the fee alone (coming soon)

Foreign transaction fee: 2.5%
Purchases interest rate: 12.99%
Cash advances interest rate: 12.99% (0% for the first 10 months)
Balance transfer interest rate: 12.99% (0% for the first 10 months)
Balance transfer fee: 1% for the first 10 months

Learn more about why Flytrippers recommends ignoring rates (coming soon)

• 0% introductory interest rate on balance transfers for the first 10 months (12.99% after that; annual fee $29)

• Plus no annual fee for the first year.

• Save hundreds of dollars in interest a year

• Low 12.99% interest rate

• Pay down balances faster

• Simplify your monthly payments

• Rates, fees and other information are effective as of November 1, 2023. Subject to change.

Start saving on interest today

And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid
(it will open in a separate tab, or you can click here)

via Scotia secure application

*Beta version of card page. Sign up to get updated guide soon.*

Terms & conditions — Travel rewards

Terms and conditions apply.

This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.

The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.

Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.

All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.

No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.

All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

You can learn more about our terms of use here.

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