{"id":752583,"date":"2018-11-15T22:01:28","date_gmt":"2018-11-16T03:01:28","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=752583"},"modified":"2025-07-23T18:57:17","modified_gmt":"2025-07-23T22:57:17","slug":"scotiabank-value-visa-credit-card","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotiabank-value-visa-credit-card","title":{"rendered":"Scotiabank Value Visa Card review"},"content":{"rendered":"<h3>The perks<\/h3><ul class=\"list-1\"><li><strong>Welcome offer. <\/strong>Get a 0.99% introductory interest rate on balance transfers for the first 9 months. Plus, pay no annual fee in the first year. <b>Apply by October 31, 2026.<\/b><\/li><li><strong>On-going low rates. <\/strong>Get an on-going low interest rate of 13.99% on eligible purchases.<\/li><li><strong>Quick pay. <\/strong>Simply wave your Scotiabank Value Visa Card or your smartphone at checkout for quick and easy payments with Visa payWave. You can also securely make payments on your purchases through Apple Pay and Google Pay.<\/li><li><strong>Save on car rentals.<\/strong> Get a discount of up to 25% at participating Budget and AVIS car rental locations in Canada and the US.<\/li><li><strong>Free additional cards.<\/strong> Add a supplementary cardholder to your Scotiabank Value Visa Card with no annual fee.<\/li><li><strong>World class service. <\/strong>Tap into world-renowned customer service 24\/7 if you have issues with your card by either visiting your Scotiabank branch or calling the number on the back of your Visa.<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/low-interest-credit-cards\" style=\"text-decoration:underline; font-size:0.9em;\">Explore the best low-interest credit cards<\/a>\n<\/div>\n<\/article><h3>What to watch out for<\/h3><ul class=\"list-3\"><li><strong>Annual fee. <\/strong>Pay $29 per year to maintain your Scotiabank Value Visa Card.<\/li><li><b>No rewards or cash back. <\/b>The low interest rate you get with the Scotia Value Visa replaces a rewards or cash back return as the main incentive.<\/li><li><strong>No purchase insurance or warranty coverage. <\/strong>There is no extended protection for products purchased with this card.<\/li><li><strong>No travel insurance. <\/strong>The card does not offer complimentary travel or health insurance coverage.<\/li><\/ul><h3>Scotiabank Value Visa interest rates<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 50%; text-align: left;\" scope=\"col\"><b>Interest Type<\/b><\/th><th style=\"width: 50%; text-align: left;\" scope=\"col\"><b>Interest Rate<\/b><\/th><\/tr><\/thead><tbody><tr><td>Purchase interest rate<\/td><td>13.99%<\/td><\/tr><tr><td>Cash advance rate<\/td><td>13.99%<\/td><\/tr><tr><td>Standard balance transfer rate<\/td><td>13.99%<\/td><\/tr><\/tbody><\/table><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/balance-transfer-credit-cards\" style=\"text-decoration:underline; font-size:0.9em;\">What are the best balance transfer cards?<\/a>\n<\/div>\n<\/article><h3>What should I know before I apply<\/h3><h4>Application criteria<\/h4><ul class=\"list-7\"><li data-bind=\"html: $data\">Canadian citizen or permanent resident<\/li><li data-bind=\"html: $data\">Age of majority in the province\/territory of residence<\/li><li data-bind=\"html: $data\">Have an annual gross income of at least $12,000<\/li><\/ul><h4>Required documents and information<\/h4><ul class=\"list-7\"><li>Your name, residential status and contact information.<\/li><li>Your social insurance number (<a href=\"https:\/\/www.canada.ca\/en\/employment-social-development\/services\/sin.html\" target=\"_blank\" rel=\"noopener\">SIN<\/a>) and date of birth.<\/li><li>Your email address and phone number.<\/li><\/ul><h3>How to apply for the Scotiabank Value Visa Card<\/h3><ol><li><a href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/scotiabank-value-visa-credit-card\">Visit Scotiabank&#8217;s website<\/a> to start your Scotiabank Value Visa Card application.<\/li><li>Read through the Disclosure Statement details and click <b>Accept &amp; Continue<\/b>.<\/li><li>Complete the application with details that include your name, email address, social insurance number and birth date.<\/li><li>Review and submit your application.<\/li><\/ol><h3>Canadian borrowers choose credit cards over other loan products<\/h3><p>We asked Canadians about their plans to borrow money in the first quarter of 2025. Among those that were, credit cards were the loan type of choice (12%), followed by lines of credit (11%) and car loans (6%). On the other end of the spectrum, payday loans (4%), debt consolidation loans (3%) and business loans (3%) received the least number of votes.<\/p><iframe id=\"datawrapper-chart-giYUg\/1\/\" title=\"Which loan products will Canadians use in the next 3 months?\" width=\"100%\"   scrolling=\"no\"  src=\"https:\/\/datawrapper.dwcdn.net\/giYUg\/1\/\"  loading=\"lazy\"><\/iframe><h3>Bottom line<\/h3><p>The Scotiabank Value Visa Card is a no-frills low-interest rate card with a low $29 annual fee. This card boasts a low balance transfer offer as well as a low, ongoing interest rate on purchases and cash advances.<\/p><p>If you would prefer to have a no-fee credit card, you might like to check out the No-Fee Scotiabank Value Visa Card to qualify for similar benefits.<article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/best-credit-cards\" style=\"text-decoration:underline; font-size:0.9em;\">Our top picks for the best Canadian credit cards<\/a>\n<\/div>\n<\/article><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">How do I check my points balance with the Scotiabank Value Visa Card?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Log in to your account on Scotiabank and navigate to the rewards page. You will be able to see your points balance on this page.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Does the Scotia Value Visa come with a welcome bonus?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Get a 0.99% introductory interest rate on balance transfers for the first 9 months. Plus, pay no annual fee in the first year. <b>Apply by October 31, 2026.<\/b><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Get a super low-interest rate for everyday spending and an impressive balance transfer offer with the Scotiabank Value Visa Card.<\/p>\n","protected":false},"author":474,"featured_media":1061990,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[5739],"tags":[1889,107302],"asset_tag":[],"class_list":["post-752583","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-scotiabank-credit-cards","tag-credit-card","tag-cst-research"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Scotiabank Value Visa Card Review | Finder Canada<\/title>\n<meta name=\"description\" content=\"Take advantage of a low interest rate with the Scotiabank Value Visa Card. 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