Rewards
Base earn rate1% cash back on all other eligible purchases
Welcome bonus0.99% introductory interest rate on balance transfers for the first 9 months (2% balance transfer fee applies; 22.99% after that)
Rewards typecashback
Fees & rates
Annual fee$49
Additional card$15
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Up to 7/L in value on fuel purchases at Shell stations when linked to Shell Go+ Account
up to 7/L
⭐
Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the US
up to 25% off base rates
⭐
Buy now and pay over time with Scotia SelectPay on eligible purchases of $100 or more with low interest rates and no installment plan fee
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
up to original purchase price
🛡️
extended warranty
up to one year of original manufacturer warranty
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident