wealthgeist
None/minimal · Visa
Scotia Value Visa
No points or cash back. Compare this card’s borrowing costs, fees and benefits.
- Annual fee
- $29
- Foreign transaction fee
- 2.5%
- Purchase APR
- 13.99%
Free · No account needed
Card details reviewed
Borrowing costs or building credit matter more to you than earning rewards.
The rewards estimate does not calculate interest savings, transfer costs or security deposits. Compare those separately before applying.
Your estimate
See the rewards after fees, based on where you actually shop.
Your spending is ready to use.
Calculate with my spendingAn estimate, not a guarantee. Approval is up to the issuer.
Rewards
Current rates. Conditions and limits matter as much as the headline number.
- No rewards on purchases
- 0% cash back
Merchant coding and eligibility determine the rate. Rates do not add together unless the issuer explicitly allows it.
No rewards program
This card does not earn points or cash back. Borrowing offers are not included in the reward estimate.
Welcome offer
First-year $29 fee waiver for eligible new accounts opened July 2, 2026 through January 3, 2027. Primary or secondary Scotiabank personal cardholders in the previous two years are excluded.
Fees and eligibility
Paying interest can outweigh the rewards you earn.
- Annual fee
- $29
- Additional card
- $0
- Purchase interest rate
- 13.99%
- Cash advance interest rate
- 13.99%
- Foreign transaction fee
- 2.5%
Who can apply?
Meeting published income criteria does not guarantee approval. Other eligibility conditions and fees may apply.
Things to know
No points or cash back on purchases. Annual and foreign-currency fees are included; borrowing costs and partner savings are not.
More fees and conditions
Introductory 0% on eligible cash advances for nine months from opening; 1% fee, minimum $5. Scotia balances excluded. Two consecutive missed minimum payments end the promotional rate. Interest savings are not estimated.
Available in Quebec. Payments above the minimum prioritize higher-rate balances in Quebec; elsewhere they are allocated proportionately. See the issuer agreement for provincial payment requirements.
2.5% conversion charge on purchases and refunds; a refund does not recover the original conversion charge. Network exchange rates may differ.
Benefits
Value the benefits you will use—not every advertised perk.
Card benefits
Linked Shell Go+ purchases: 3 cents/litre discount up to 1,000 litres/month; separate Scene+ fuel points depend on membership and fuel grade. Volume-based savings are excluded from estimates.
Conditional Avis/Budget base-rate discounts and GigSky discount; no automatic cash valuation. Optional creditor insurance costs extra.
Similar cards
Related reward programs and fees—not a ranking for your spending.
Common questions
Is Scotia Value Visa worth the annual fee?
It depends on whether the extra rewards and benefits you actually use outweigh the $29 annual fee. Use your spending to compare the ongoing value after fees.
Does this card charge a foreign transaction fee?
The published foreign transaction fee is 2.5%. Exchange rates and other applicable charges can still affect your cost. See the issuer’s terms.
How does WealthGeist calculate my estimate?
We match eligible spending to each card’s reward rules, account for spending limits and subtract fees. You can check the breakdown and adjust assumptions. Welcome offers and ongoing rewards are shown separately.
How we compare