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Card Details
Based on $2,000 spending
First Year Value
$168.07
$168.07 in years after
Annual Rewards
$168.07
First Year Bonus
$0
Annual Fee
$0
First Year Value
$168.07
While the first year bonus value here shows $0, the actual welcome bonus for this credit card is valued at $100 when you meet the minimum spending or other listed requirements. The value of $0 here was derived based on numbers in the spending inputs.
Interest Rates
Purchase: 20.99%
Cash Advance: 22.99%
Balance Transfer: 7.99% introductory for 6 months, then 20.99%
Annual Fee
$0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
7.99% introductory interest rate on purchases for the first 6 months (20.99% after that; annual fee $0)
Card & Reward Type
Card Type: Credit
Reward Type: Cash Back
Our Rating
3/5
Institution
Scotiabank
Rewards†
- 1% cashback on gas, groceries, drug store and recurring payments
- 0.5% cashback on all other credit card purchases.
Insurance & Benefits†
No insurance coverage information available for this card.
Benefits
Details
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car
Pros & Cons
Pros
- No annual fee, making it a low-cost option for cardholders.
- 1% cash back on gas, groceries, drugstores, and recurring bill payments.
- Mastercard acceptance, including at Costco.
Cons
- Poor base earn rate of 0.5% on other purchases.
- No insurance coverage, not even purchase protection.
Legal
†See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
