Scotiabank

• Earn up to 10,000 bonus Scene+ points within your first 3 months.
• No Annual Fee
• Earn 2x Scene+ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op
• Earn 2x Scene+ points for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
• Earn 2x Scene+ points for every $1 you spend at Cineplex theatres or online at cineplex.com
• Plus, get 1 Scene+ point for every dollar spent on all other eligible everyday purchases
• Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia

• Earn up to 5,000 bonus Scene+ points within your first three months (that's up to $50 towards travel)
• Earn 3x Scene+ points on every $1 you spend at Sobeys, Safeway, FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
• Earn 2x Scene+ points for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions.
• Earn 2x Scene+ points for every $1 you spendon eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
• Earn 2x Scene+ points for every $1 you spend on eligible gas and daily transit. Includes rideshares, buses, subway, taxis and more.
• Earn 2x Scene+ points for every $1 you spend on eligible select streaming services.
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
• Mobile Device Insurance coverage
• American Express Invites®

• 0.99% introductory rate on balance transfers for the first 9 months (2% fee per cash advance; after: rate of 13.99% and annual fee of $29)*
• No annual fee for the first year*
• Save hundreds of dollars in interest each year
• Low 13.99% interest rate
• Pay down balances faster
• Simplify your monthly payments

• Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points.
• Earn 2X the Scene+ points for every $1 in eligible purchases at grocery stores, restaurants, and entertainment.
• Earn 2X the Scene+ points for every $1 of eligible gas and public transit purchases. Includes bus, metro, taxis, ridesharing and more.
• Earn 2X Scene+ points for every $1 spent on all your other purchases.
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
• You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
• Enjoy 10 free airport lounge visits per year.

Special offer : 5% cash back on all purchases (up to $2,000 in total purchases) for the first three months.

0% introductory rate on balance transfers for the first six months (2% cash advance fee; after that: 22.99% and no annual fees).

• Get 1% cash back on purchases at grocery stores and pharmacies, as well as on meal delivery services and subscriptions to ready-to-cook meal services
• Get 1% cash back on gas, electric vehicle charging, and public transit such as bus, taxi, and ridesharing trips
• Get 1% cash back on eligible recurring bill payments such as utilities and gym memberships
• Get 1% cash back on eligible subscriptions such as video streaming or music streaming services
• Get 0.5% cash back on all other eligible purchases, with no cash back cap
• You will earn 1% on all eligible purchases of Transit, Rideshare and Food Delivery^¹.
• New Cash Back Anytime feature: Redeem your cash back that you’ve earned whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption)^¹.

Get an introductory interest rate of 2.99% with a 0% balance transfer fee for the first 6 months (22.99% thereafter; $49 annual fee).

• Get 2% cash back on groceries, food delivery and food subscription services, and drugstore purchases
• Get 2% cash back on gas, electric vehicle charging, and public transit such as bus, taxi, and rideshare trips
• Get 2% cash back on eligible recurring bill payments such as utilities and the gym
• Get 2% cash back on eligible subscriptions such as video streaming services or music streaming
• Get 1% cash back on all other eligible purchases, with no cash back limit
• New 2% Cash Back earn category: You will earn 2% on all eligible purchases of Food Delivery^¹.
• New Cash Back Anytime feature: Redeem your cash back that you’ve earned whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption)^¹.

Receive up to 7,500 bonus Scene+ points for the first three months (up to $75 in rewards).

• Earn Scene+ points at Home Hardware and redeem with any Scene+ rewards partner.
• Earn 1 Scene+ point for every $1 spent on your card for eligible business purchases at Home Hardware.
• Redeem your Scene+ points on what you want for your business – business travel, office improvements, entertainment, groceries, gift cards from 60+ brands, tech, and even account credits.
• Use at any retailer where Visa is accepted.
• Manage your cash flow with a 21-Day interest free grace period on new purchases.

Visa* SavingsEdge

One great program – two paths to savings on your everyday business purchases with Visa SavingsEdge:

• Everyday Savings Offers: automatically available after you enroll, requiring no coupons or codes and are applied as statement credits on enrolled Visa Business cardholder’s future account statements.
• Instant Savings Offers: savings applied to your cart using a promotion code prior to making a qualifying purchase on a participating merchant’s website.

It’s free to join. Visit Visa SavingsEdge to enroll your eligible business and learn more.

Save on car rentals

• As a Scotia Home Hardware PRO Visa Business cardholder, you can save up to 25% off base rates at participating AVIS locations Worldwide and at participating Budget locations in Canada and the U.S. when you pay with your Scotia Home Hardware PRO Visa Business card.

Save time at the checkout

• Tap your Scotia Home Hardware PRO Visa Business Card or your mobile wallet for quick easy payments.
• Visa payWave* – Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!
• Click to Pay – Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.
• Also, use your phone to make on-the-go payments with: Google Pay, Samsung Pay, Apple Pay.

Insurance Coverage

• Purchase Security Extended Warranty Protection
• Optional Scotia Business Loan Protection Insurance

• Earn up to $2,800* in first year savings and reward value, including no annual fee in your first year and up to 40,000 bonus Scene+ points with the Passport™ Visa Infinite Business* Card*
• No Foreign Transaction Fee
• 6 complimentary airport lounge visits per year
• Comprehensive Travel Insurance coverage