on Scotiabank's website
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Scotia Value Visa Card is one of the best credit cards for cash advances (including balance transfers) in Canada.
You can get an introductory interest rate of 0.99% on cash advances for the first nine months (including balance transfers, with a 2% transfer fee). You pay no annual fee for the first year with this Visa credit card.
What’s more, this Visa credit card offers a low interest rate: 13.99% on purchases, balance transfers and cash advances.
All Spending
0x
pts per dollar
Personal Income
$12,000
Household Income
$12,000
A rate of 0.99% for the first 9 months, then 13.99%.
$29, but free for the first year. Offer valid until October 31, 2025.
With a low interest rate of 13.99%, you can save on interest.
Yes, you can transfer balances from high-rate cards and save even more.
*Conditions apply. Rates, fees and other information are effective as of Oct 31, 2025. Subject to change.
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 Scotiabank. All trademarks are property of their respective owners.
