Offer Terms
** Terms and conditions apply.
- Subject to credit check and approval
- For new card holders only
How it Works
- 1.Sign in or create a new FinlyWealth account.
- 2.Click the offer link provided in order to be redirected to the merchant's page.
- 3.Make sure to add your Interac e-Transfer email to your Finly profile for us to process payments.
- 4.Complete your application or purchases in one go.
- 5.Once approved, the institution will report the transaction to us based on their reporting schedule, which can vary from 3-5 days to 1-2 months. Your Finly cashback profile will reflect that as soon as we receive a status update.
- 6.Rebate payments are generally processed within 5 business days of receiving transaction confirmations, however it may vary depending on payment processing times.
Card Details
Info
Card Type | Credit |
Reward Type | Points |
Our Rating | 4.9/5 |
Institution | Scotiabank |
Loyalty Program |
Fees & Rates
Annual Fee | $120 |
Interest Rates | Purchase: 20.99% Cash Advance: 22.99% Balance Transfer: 22.99% |
Eligibility
Credit Score Estimate | Good |
Annual Income | Personal: $12,000 Household: $12,000 |
Bonuses
Welcome Bonus | Up to 40,000 Scene+ points ($400 value) |
Description | Earn 20,000 bonus Scene+ points by making at least $2,000 in everyday eligible purchases in your first 3 months. Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year. |
Rebate Timeline
Posting Time
2-5 business days after submission
Locking Time
2-5 business days if instant approval, 30-60 days if extra verification required
Application Submitted
You submitted your application
Requirements Met
Either instantly approved or longer verification process
Expected: 30 daysFinal Approval
Rebate gets approved
Expected: 30 daysPayments & Privacy
- •We take privacy serious and believe in keeping your information the way it's meant to be - private. We ask for minimal information to reduce exposure and secure any personal information stored using the latest industry standards.
- •Payments are sent via Interac e-Transfer through our secure automated payment system. We often use Wise as our payment processor. If your Interac requires a password to accept payments, Wise will send you the PIN via email, otherwise the cash payment will be auto-deposited directly into your bank account. You do not need to have a Wise account to accept payments.
Helpful Tips
Don't switch devices
Making sure to complete the process in one go without switching devices will help to avoid unforeseen tracking issues.
Avoid cookie or ad blockers
Most of our tracking process is done through browser cookies, hence blocking them would introduce potential tracking issues. Don't use incognito mode either.
Read eligibility criteria
It's generally recommended to read and understand the eligibility criteria before you apply for a financial product.
User Reviews
See our full list of reviews on Trustpilot
Footnotes:
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.