Visa credit cards

Enjoy worldwide acceptance, the latest payment technology and exclusive perks with a Visa credit card.

Last updated:

Instead of issuing its own credit cards or lines of credit, Visa is a third-party payment processor. Many Canadian credit cards come equipped with Visa functionality. Which means that when you get a card with the Visa logo on it, you can use it to make payments in stores, online and by phone in more than 200 countries.

Depending on the Visa credit card you choose, you can also look forward to perks, exclusive offers and the security of Verified by Visa. Use our guide to compare Visa credit cards, discover the perks of using Visa and the factors you should consider before applying for one.

Scotiabank Value Visa Card

Scotiabank Value Visa Card

12.99 % APR

Purchase interest rate

Eligibility criteria, terms and conditions, fees and charges apply

Scotiabank Value Visa Card

Apply today and enjoy a 0.99% introductory interest rate on balance transfers for the first 6 months when your new credit card account is opened by July 1, 2020.

  • Purchase interest rate: 12.99%
  • Cash advance rate: 12.99%
  • Intro balance transfer rate: 0.99% for the first 6 months
  • Standard balance transfer rate: 12.99%
  • Annual fee: $29
  • Minimum income: $12,000
Go to site
Promoted

Compare Visa credit cards

Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
Scotiabank Passport  Visa Infinite Card
19.99%
22.99%
$139
$60,000
Earn 2 Scotia Rewards points for every $1 spent on eligible grocery store, dining, entertainment and daily transit purchases, and earn 1 Scotia Rewards point for every $1 spent elsewhere.
Earn up to a total bonus of 40,000 Scotia Rewards points (up to a $400 travel value) in your first year. Earn 30,000 Bonus Scotia Rewards points when you spend at least $1,000 on eligible purchases within the first three months. Apply by July 1, 2020. Plus, earn 10,000 Bonus Scotia Rewards points each year when you spend at least $40,000 annually on eligible purchases (and earn 2,000 Bonus Scotia Rewards points for every additional $10,000 in purchases thereafter).
Scotia Momentum No-Fee Visa Card
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
$12,000
Get 1% cash back on all eligible gas station, grocery store and drug store purchases and recurring bill payments, and get 0.5% cash back on all other eligible purchases.
Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. Apply by July 1, 2020.
Scotiabank SCENE Visa Card
19.99%
22.99%
$0
$12,000
Earn 5 SCENE points per $1 spent at participating Cineplex theatres or cineplex.com, and earn 1 SCENE point per $1 spent on eligible purchases elsewhere.
Earn 2,500 bonus SCENE points when you spend a minimum of $500 on eligible purchases in the first three months. Apply by July 1, 2020.
No-Fee Scotiabank Value Visa Card
16.99%
16.99%
$0
$12,000
Save with a low interest rate, no annual fee and a balance transfer offer.
Get a 3.99% introductory interest rate on balance transfers with a 0% balance transfer fee for the first 6 months. Apply by July 1, 2020.
Scotia Momentum Visa Infinite Card
20.99%
22.99%
$120
$60,000
Earn 4% cash back for every $1 spent on eligible grocery purchases & recurring bill payments, 2% per $1 spent on eligible gas purchases & public transit, and 1% per $1 spent on all other eligible purchases.
Get 10% cash back on all eligible purchases for the first 3 months (up to $2,000 in total purchases). Plus, pay no annual fee in the first year, including on supplementary cards. (A total Welcome Offer value of $350). Apply online by April 30, 2020.
Refresh Financial Secured Credit Card
17.99%
N/A
$12.95
N/A
Take advantage of a low annual fee, with no credit check and guaranteed approval once you secure your credit card with some funds.
Take advantage of a low annual fee, with guaranteed approval and no credit check.
Scotiabank GM Visa Card
19.99%
22.99%
$0
$12,000
Earn 5% in GM Earnings on all eligible purchases on the first $5,000 annual spend, and 2% in GM Earnings on all eligible purchases thereafter.
Earn 5% in GM Earnings on all eligible purchases on the first $5,000 annual spend, and 2% in GM Earnings on all eligible purchases thereafter. For every $1 in GM Earnings, you’ll get $1 off the purchase price or lease of a new GM, Chevrolet, Buick, GMC or Cadillac.
Scotiabank GM Visa Infinite Card
19.99%
22.99%
$0 annual fee for the first year ($79 thereafter)
$60,000
Earn 5% in GM Earnings on the first $10,000 annual spend, and earn 2% in GM Earnings thereafter.
Get the annual fee waived in the first year on the primary card as well as any supplementary cards. Apply by July 1, 2020.
ScotiaGold Passport Visa Card
19.99%
22.99%
$110
$12,000
Earn 1 Scotia Reward point for every $1 spent on eligible purchases. Plus, book your travel through the Scotia Rewards Travel Service and earn 5% cash back on the cost of your trip.
Receive 5,000 bonus Scotia Rewards points when you make your first eligible purchase. Eligible purchase must be posted to your account within 2 months of account opening. Apply by July 1, 2020.
Scotia Momentum Visa Card
19.99%
22.99%
$39
$12,000
Earn 2% cash back on all eligible gas station, grocery store and drug store purchases and on recurring bill payments (up to a $25,000 annual spend), and earn 1% cash back on all other eligible purchases (and on all eligible purchases once the $25,000 annual spend is reached).
Get a 2.99% introductory rate on balance transfers and a 0% balance transfer fee for the first 6 months. Apply by July 1, 2020.
loading

Compare up to 4 providers

*The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

What are the benefits of using a Visa credit card?

Banks and other credit card companies typically decide on the features that are available with individual Visa options. Some of the standard Visa benefits you can expect are:

  • 24/7 customer service

If you have a Visa card, you can make use of Visa’s round-the-clock Visa Global Customer Care Services to report lost and stolen cards from anywhere in the world. Contact the Visa team at 1-800-847-2911 in Canada or the US or at 1-303-967-1096 internationally.

  • Visa Checkout

If you sign up to Visa Checkout, this service will securely save your payment and shipping information so you can spend less time at the checkout when spending with partnered merchants.

  • Concierge service

Visa Signature credit cards come with a 24/7 global concierge service. You can contact your concierge at 1-800-953-7392 for anything from booking restaurant reservations, scoring tickets to a concert or sending flowers to a loved one.

  • Complimentary insurance

Certain Visa credit cards offer complimentary insurance. Some of the common complimentary insurance you can find with such cards include lost or stolen card reporting, auto rental collision damage waiver, zero liability, roadside dispatch, emergency card replacement and emergency cash disbursement.

  • Visa offers

As a Visa cardholder, you can look forward to exclusive discounts and deals with partnered merchants including some restaurants, hotel chains, shops, car rental chains and much more. You can see a full list of the available offers on the Visa website.

    visa-card-banner895x250

    How can I compare Visa credit cards?

    Since many credit card issuers offer Visa cards, there are a few other factors you should consider when comparing your options. These include:

    • Fees. Visa cards can vary from no frills offers to premium products, so expect fees to vary.
    • Interest rates. If you don’t always pay your balance in full, compare Visa cards by the standard purchase rate. Some cards also come with 0% promotional interest rates, which can help you save on interest costs. If you plan to use the card for ATM withdrawals or to purchase online gaming chips, compare cards by cash advance rates instead.
    • Rewards. Some Visa cards come linked to rewards and frequent flyer programs, allowing you to earn points as you spend. If you’re a regular spender who often pays your balance in full, a rewards credit card can be a useful way to get more value from your Visa.
    • Credit limit. While your approved credit limit will depend on factors such as income and credit history, you should apply for a credit limit that can support your financial needs without tempting you to overspend.
    • Eligibility requirements. Different Visa cards will come with specific eligibility requirements including minimum annual income, credit history, age and residential status.

    What is Visa?

    Visa’s history dates back to 1958, when Bank of America launched the BankAmericard. This was the first mass-marketed credit card program and it quickly grew in popularity with US consumers. Almost two decades later, BankAmericard was no longer affiliated with Bank of America and went on to be a part of the Visa brand.

    Visa now operates in more than 200 countries and territories worldwide, including Canada. A Visa credit card makes the access of money simple, no matter where you are. With so many credit card options available, be sure to research and apply for cards that will benefit you the most.

    American Express vs. Visa credit cards

    Visa's company history

    Origins of Visa date back to the late 1950s, when Bank of America introduced BankAmericard, and mailed out 60,000 unsolicited credit cards. This was the first consumer credit card program that middle class consumers had at their fingers in the US, and by 1974 the company expanded overseas. The introduction of debits cards same about soon after, in 1975.

    During the 1970s, BankAmericard went on to become an independent entity, after uniting under the common Visa brand later. During the same period, Visa introduced VisaNet, which was the first completely electronic authorization, clearing, and settlement system, enabling transactions in a matter of seconds.

    Until 2007, Visa operated as a bunch of entities owned by regional banks around the world. It was only in 2007 that the US, Canada, Caribbean, Latin America, Central Europe, Middle East, Africa, and Asia Pacific regions came together to form Visa Inc. In March 2008, this company went public, and it remains amongst the most successful IPOs of all time. In 2013, the company introduced Visa Checkout, an online payment system that eliminates the need of sharing of payment details with merchants.

    As of now, Visa has operations in more than 200 countries and territories, and it provides services across multiple platforms like debit and credit cards, desktop and laptop computers, as well as smartphones. Getting a Visa credit card can simplify how you access money, no matter where you are. Since there are numerous options, make sure you look for one in accordance to features that’ll serve you best, and watch out for unnecessarily high fees.

Read more on this topic

Go to site