Credit Card Review & Application
|APR on Purchases:||19.99% *|
|Card Category:||Consumer (Shopping)|
|Card Type:||- Co-Branded|
- Instant Decision Card
- Shopping Card
Customers want more from their banks and credit card networks. They demand better offers, lower fees and stronger customer service. The ScotiaBank US Dollar Visa credit card brings the strength of one of the strongest banking institutes in the world, the confidence that Visa inspires and a lower fee, higher satisfaction credit card. The power of both brands behind you, there's a certain prestige that comes with it. It's about buying power and building trust between consumers and the brands they choose.
At the core of this offer is a combined ethical commitment by both brands to change the way many consumers see banks, credit card networks and money as a whole. With a credit card offer like this, there's a familiarity reminiscent of the way things used to be: great customer service, an emphasis on being rewarded simply for being a customer and an all-around better experience. While it's true that banks and credit card companies are always focused on the "big picture", they have also shifted their models in a way banks haven't been able to do for several years. Compromising quality was never an option and commitment to the consumer has always been - and remain so - a top priority. Fortunately, the trends are showing that focus might finally be turning back to this traditional way of doing business. This is especially true for world travelers.
With this ScotiaBank Visa, you can travel with ease and no worries about currency conversion fees, which adds convenience and flexibility when visiting our American neighbors. Complementary additional cards have no annual fees and for those who like that extra bit of security on their purchases, you can add the optional Purchase Security and Extended Warranty Protection, too.
Among the many other perks and benefits built into this offer, card holders will rest easy with the ScotiaBank Security Centre, which allows you to stay on top of your credit card charges. The Security Centre offers many educational tips for protecting not only your ScotiaBank financial products, but it also offers way of better protecting you and your family from identity theft and other fraudulent efforts by criminals. You can take advantage of the tips on fraud prevention, how to handle a lost or stolen credit card or what to do if you suspect illegal use on your card, but can't quite figure out if it's legitimate. ScotiaBank also offers a security guarantee. You'll be fully reimbursed in the unlikely event that you suffer direct financial losses due to illegal use of your credit card or other banking products. This includes ScotiaBank Mobile Banking, too. Of course, you also have the built-in security features offered by Visa, including Visa's own fraud protection and the latest in technology security built right into your Visa card.
In a time when security breaches are commonplace in the credit industry, Canadians want - and deserve - better protections. It's never been more important to not only acknowledge legitimate consumer concerns, but to put into place the most advanced technology available. With ScotiaBank and Visa, you get the best of both global brands.
For consumers who are looking for something better; something that doesn't make them feel as though they're trading one perk or convenience for another, the ScotiaBank US Dollars Visa offers the classic benefits we all want from our financial partners, a lower interest rate and a much better fee schedule.
Before you apply, be sure to read the terms and conditions, just as you would with any other financial contract. Once you’re approved, your new Visa will be sent right away.
The review prepared by CreditCardsCo™ Canada
|Other Benefits:||*See card application page for other benefits|
|Online Account Access:||Yes|
|APR on Purchases:||19.99% *|
|Grace Period:||21 days*|
|Min Credit Line:||$500|
|Late Payment Fee:||N/A*|
|Over Limit Fee:||$29.00|
|APR Cash Advances:||22.99%|
|Additional Fees||Foreign Currency Conversion: 2.5% for Transactions in a currency other than U.S. dollars are charged or credited to your account in U.S. dollars.|
We do not offer online application for this card at the moment.
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† Published on Jun 6, 2017. Information relating to the Scotiabank U.S. Dollar VISA Credit Card may change without notice as a result we cannot guarantee the accuracy of details above. It is important you read the terms and conditions attached to a product before submitting the application.