Scotiabank Value Visa – Full Details
The previous page explained why Scotiabank Value Visa focuses on a low interest rate. This page covers eligibility, applying, and Scotiabank’s support channels.
Additional benefits
Balance transfer promotion
New eligible cardholders can move an existing balance from a non-Scotiabank card and pay 0% interest on it for 9 months, subject to a 1% transfer fee (minimum $5).
First-year fee waiver
For accounts opened between July 2, 2026 and January 3, 2027, the $29 annual fee is waived for the first year.
Eligibility requirements
Standard Canadian credit card eligibility applies. Importantly, the current promotional offer specifically excludes anyone who currently holds, or held within the past 2 years, another Scotiabank personal credit card, even when switching cards.
We recommend confirming current eligibility and promotional terms directly on Scotiabank’s official page.
Required documentation
- Government-issued identification
- Social Insurance Number
- Proof of income
- Current residential address
How to apply
Step by step
- 1. Visit Scotiabank’s official page for the Value Visa card.
- 2. Complete the online application.
- 3. Submit identification details.
- 4. Wait for a decision.
- 5. Activate the card and set up a balance transfer if applicable, within the promotional window.
Official contact
For application or account questions, use Scotiabank’s official credit card centre.
Support channels
- Scotiabank Credit Card Centre (Canada/US): 1-800-387-6466, available 24/7
- Greater Toronto Area: (416) 288-1440
- Scotia Mastercard line: 1-866-286-4517
Other common questions
What happens after the 9-month balance transfer promo ends?
Any remaining transferred balance moves to the card’s standard interest rate, 13.99%, after the promotional window closes.
Is the fee waiver permanent?
No, it applies to the first year only, for accounts opened within the specified promotional window; the $29 fee applies afterward.
Can I still apply if I’m outside the promotional window?
Yes, the card itself remains available; the specific fee-waiver and balance-transfer promotion is tied to accounts opened within the stated dates.
Is Value Visa good in practice?
For anyone who occasionally carries a balance, the low ongoing rate is a genuine, quantifiable saving compared to a typical rewards card, especially when paired with the current promotional offer.
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