Pros
- ✓No annual fee
Cons
- ✗Foreign Transaction Fee (2.5%)
- ✗No purchase protection
Our Review
*
Rewards
All Spending
0.5x
Cash Back pts per dollar
Groceries
1x
Gas
1x
Pharmacy
1x
Recurring
1x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$190
$/yr
Estimated Value
$190
After Fees
+$190
1st Year Value
$190
incl. welcome bonus
Annual rewards breakdown
Interest Rates
- Purchase Rate20.99%
- Cash Advance22.99%
- Foreign Transaction Fee2.5%
Eligibility
Personal Income
$12,000
Household Income
$12,000
Terms & Conditions
Card Features
- 7.99% introductory interest rate on purchases for the first 6 months (20.99% after that)1
- Cash back on everyday spending with no annual fee
- 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
- 0.5% cash back on all other eligible everyday purchases
Legal
*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Banque Scotia. All trademarks are property of their respective owners.