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Scotiabank

9 personal cards. Showing save on interest.

Scotiabank Value Visa Card

First year freeVisa

Best for lowering interest, balance transfers

Welcome offer
0% on balance transfers for 9 months
Annual fee
$29 $0
in year one
Interest rate
13.99%
How you earn and offer details

Earn: No rewards; small Shell fuel discount when linked to Shell Go+

Offer details: 0% on balance transfers for 9 months (1% fee) plus first-year fee waived; open by Jan 3, 2027

Apply at Scotiabank

Offers checked weekly. Last checked Oct 4, 2026. Always confirm the current offer on Scotiabank's site before applying.