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Scotiabank Value VISA Card credit card reviews

Scotiabank Value VISA Card credit card details and credit card application link.

The Scotiabank Value® VISA card by Scotiabank is one of the lowest-rate cards around – just 11.99 percent a year, with 0.99 percent the first six months. If you think about it, this would save you a considerable sum of money in interest every year, helping you pay off the card quicker and making monthly payments easier. The minimum credit limit is $500, with at least three weeks interest-free. The 0.99 percent offer is subject to restrictions. It only applies to new accounts.

Holders of any Scotia credit card are eligible to have Scotia Visa Checks issued. These can be used to transfer balances from retail and gas cards with higher interest rates and pay utility bills, insurance premiums, medical bills, big purchases, and more. The offer, naturally, is subject to available credit. Scotia Visa Checks are considered cash advances and as such, they are not subject to rebate. Interest accumulates from the date of the transaction until the amount is fully covered.

Scotiabank has a partnership with AVIS, due to which Scotia cardholders get discounts of up to 20 percent at all participating AVIS car rental establishments throughout the world. All you have to do is show your Scotiabank Value Visa card at these locations. You can also get your discount by calling AVIS or visiting their website, giving them the rebate number, which is C030400.

Your account is easily accessible online – to you and only you, of course! Safety and security is ensured, being of paramount importance to Scotiabank. Your account can be accessed via electronic banking, with you connecting the credit card to Scotiabank Value VISA. Information can be acquired through TeleScotia phone banking and Scotia OnLine, two highly convenient financial services.

You can obtain cash at more than a million Automated Teller Machines (ATMs) worldwide, bearing the VISA/PLUS5 logo, at over 55,000 ATMs with the INTERAC5 logo in Canada, including Scotiabank ATMs, or by linking the Scotiabank Value VISA account to the credit card.

If medical and health insurance is important to you, one option is Scotia VISA Balance Protection. This feature is offered to clients who are 18 to 54 years of age. They can choose to insure their credit card balance for up to $20,000, payable in a number of distinct circumstances – if death or disability occurs, a serious health condition is diagnosed, or the holder loses his/ her job involuntarily. The monthly premium to this end can be as low as $0.95 per $100 of your outstanding account balance.

Another good low-interest rate option is the Capital One Gold MasterCard, going with 9.9 percent interest rate on balance transfers and purchases and annual rate of $49. The interest rate on cash advances is higher, set at 19.8 percent. This financial product is good for clients with a minimum monthly income of $30,000 who carry their monthly balance, have low monthly spend and good credit rating. Among the benefits that come with the card are purchase assurance, price protection, extended warranty, Car Rental Collision/ Loss Damage Waiver, Baggage Delay, and Travel Accident Insurance. Finally, clients receive cash back (1 percent on purchases) and reward miles. Every dollar spent in purchases brings one reward mile.

Credit Card Details
NameScotiabank Value VISA Card Apply Now
Interest Rate11.99%
Annual Fee$29
Cash BackNo
Low InterestYes
Auto and GasNo
Instant ApprovalNo
Balance TransferNo
US DollarNo
No Annual FeeNo