Scotiabank Credit Cards for Branded Merchandise and Premium Travel

The Bank of Nova Scotia features standard and specialty financial services, total equity plans and loans, mutual funds and high interest savings accounts, and credit cards. Cards come in different versions, including student, low interest, cashback, and others.

Cardholder Benefits That Go with Consumer Cards

Scotiabank features cards by American Express and Visa and offers perks such as travel benefits, special promotions, extended interest-free periods, and many others. Points are redeemable for merchandise such as disc players, briefcases, home entertainment systems, bangles and necklaces, LED smart TVs, and other merchandise. Participating merchants also offer rewards such as dinnerware sets and casseroles, wine gift sets, 4-slice toasters, electric slow cookers, and other kitchen appliances and items. Scotiabank offers a rewards program that features cash back, travel benefits, and rewards points redeemable for digital cameras, watches, binoculars, tablets, and other electronics. You need about 10,000 points for a multifunction backpack and 57,000 points for binoculars. A LED smart TV requires 340,000 rewards points while a disc player costs 29,000 points. The bank also offers a newsletter that features special offers and rewards. In addition to rewards points, customers are also offered cards with no annual fees, low rate, cash back, and other premium benefits. Some no fee cards go with 1 percent cash back on recurring payments and purchases and low introductory rates. There are several no fee cards to look into, including Scotiabank Rewards Visa, SCENE Visa, and No-Fee ScotiaGold Visa. There are specialty cards such as the ScotiaHockey Visa that offer points toward tickets, gear, and other NHL merchandise.

Scotiabank Credit Card Application

The Bank of Nova Scotia offers handy online tools that allow holders to redeem points, transfer funds, request a higher credit limit, and more. It is easy to request supplementary cards online, and no fees apply on additional No-Fee ScotiaGold Visa, Scotiabank Value Visa, and Scotia Momentum No-Fee Visa cards. There are special offers with large bonuses of 5,000 to 30,000 rewards points and low intro rates. Some cards go with an introductory rate that is as low as 0.99 percent.

Business Cards with Premium Benefits

The bank also offers specialty cards to business customers, including cards with unsecured and secured rates, large limits, cash back, and no annual or monthly fees. Business cards feature added benefits such as flexible repayment schedules, personalized checks, and attractive discounts at participating merchants. Retailers offer discounts of 3 to 25 percent and it is free to enroll. Secured credit cards are also offered, for example, ScotiaGold Passport which goes with credit and investment vouchers, gift certificates, brand-name merchandise, and unrestricted and flexible travel options. Added benefits include travel assistance and free checks to pay utility, dental, and mental bills, policy premiums, and other expenses.

Fees and Charges

The bank assesses cash advance ATM and counter fees, balance transfer and currency conversion fees, and inactivity fees. Customers who fail to meet the monthly payments are assessed penalty interest.