Scotiabank VISA Business Card

First year rewards (up to)

Gift card
Spending
bonus
Monthly
bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending
rewards
Annual fee
Annual fee
(1st yr waived)
The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.
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Cash advance: 19.8%
Balance transfer: 19.8%
%
Purchase interest rate
Cash advance: 19.8%
Balance transfer: 19.8%
%
Balance transfer
% after months
Annual fee
(Waived)
Monthly
interest fee
after months
Required deposit
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Rewards
Earn points on each dollar you spend
How much do you spend on everything else that doesn't fit into one of the other categories? Bus passes, cab fares, online shopping purchases, etc. are just a few examples of things that would show up as "other" purchases on your cash back credit card statement. Other purchases
1%   Cash Back
Calculator
Monthly spending by category

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First year rewards (up to)
First year rewards (up to)
For a limited time, you will receive a gift card from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details. Gift card
Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward
Bills
Entertainment
Gas
Groceries
Other purchases
Pharmacy
Restaurants
Travel
This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee
Total net reward
Redeem

Card details

Network: VISA
Provider: Scotiabank
Card type: Rewards

Fees & interest

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee: $75
This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement. Purchase interest rate: 19.8%
This is the interest rate you will pay on cash advances. Unlike regular purchases, which come with a grace period, interest on cash advances starts to accrue the day you complete the transaction. Cash advance: 19.8%
This is the interest rate you will pay on balance transfers. Unlike regular purchases, which come with a grace period, interest on balance transfers starts to accrue the day you complete the transaction. Balance transfer: 19.8%

Eligibility

This is the annual income requirement to be eligible for this credit card. Income: Any amount
This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves. Household income: Any amount
  • Be a permanent Canadian resident
  • Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QA, SK. 19 yrs all others)

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Earn up to 30,000 bonus points ($300 value) & 5x the points on restaurants, bars, cafes and food delivery.

Balance transfer offer: 0% interest for 12 months, with no annual fee.

Get 2% cash back rewards on your purchases in select Money-Back categories

Earn 5% cash back in your first 6 months. Earn 2% cash back when your welcome rate ends.

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Get more details

  • The annual fee for Scotiabank VISA Business Cards is based on the type of card (Gold or Silver) and the currency (CAD or USD) you select to suit your cardholder and business needs.
  • CAD Program
    • Silver $75 CAD
    • Gold $105 CAD
  • USD Program
    • Silver $75 USD
    • Gold $105 USD
  • With our Canadian dollar program, your business will receive up to 1% cash back annually per card based on spending levels. The cash goes directly into your Business Account. There's no limit to the rewards you can earn and how you spend the cash back is up to you.
  • The Scotiabank VISA Business Card program helps you reduce expenses, consolidate your business spending and streamline administration. You'll have fewer cheques to write, convenient direct debit monthly payments, and the ability to reconcile your card expenses online. It also reduces your Business Account transactions by consolidating payments, which can reduce your service charges.