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American Express® Business Gold Rewards Card
GCR Rebate
$125		   Initial Rewards
Earn 40,000 bonus Membership Rewards® points		   Credit Needed
Good
Plus, earn 10,000 bonus points in each calendar quarter when you spend $20,000 or more.
Select
Earn 40,000 bonus Membership Rewards® points

  • Earn a welcome bonus of 40,000 Membership Rewards® points after spending $7,500 in purchases within the first three months of Cardmembership
  • Plus, earn 10,000 bonus points in each calendar quarter when you spend $20,000 or more. That could add up to $400 in value every year
  • That’s $400 in statement credits that can be reinvested in your business


FEATURES

Earn points that you can redeem in a variety of ways
  • Earn 1 Membership Rewards point for every dollar in purchases charged to the Card and get the most out of your business expenses.

  • Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.

  • Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.


Unlock business possibilities with a full suite of business management tools that give you more control over your business - anytime and anywhere
  • Take advantage of purchasing power that grows with your business with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history.

  • Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.

  • Pay for business expenses over time with Flexible Payment Option.

  • This charge Card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option Rate will be 29.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.


Access comprehensive insurance coverage for your travel needs
  • Access Travel Emergency Assistance, and up to $100,000 Travel Accident Insurance when you fully charge your tickets to your Business Gold Rewards Card.

  • Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Gold Rewards Card.

  • Save money when travelling with complimentary Car Rental Theft and Damage Insurance.


Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Gold Rewards Card
  • Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection® Plan.

  • Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance® Protection Plan.


Access to coverage for mobile devices purchased for business use
  • Access Mobile Device Insurance of up to $1,000 in the event of theft, loss or accidental damage, anywhere in the world, when you fully charge or finance the purchase price of an eligible mobile device on your Business Gold Rewards Card.


American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

• Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• Cash Back Rebate is for first time American Express Business Gold Rewards Cardmembers

NOTE: You must contact GCR within 3 months of application date to report a missing rebate otherwise the rebate is void by the merchant.
Business Platinum Card® from American Express®
GCR Rebate
$150		   Initial Rewards
Earn up to 120,000 Membership Rewards® points		   Credit Needed
Excellent
That’s up to $1,200 in statement credit that can be reinvested in your business.
Select
Earn up to 120,000 bonus Membership Rewards® points

  • Earn 80,000 Membership Rewards® points after you charge $15,000 in net purchases to your Card in your first 3 months of Cardmembership
  • Plus, earn 40,000 points when you make a purchase between 15 and 17 months of Cardmembership
  • That’s up to $1,200 in statement credit that can be reinvested in your business


FEATURES

Earn points that you can redeem in a variety of ways
  • Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses.

  • Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.

  • Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.

  • Bolster your business with up to $820 in annual business and travel statement credits.

  • Enroll your eligible Card and earn up to $500 in business statement credits on qualifying purchases with Dell and Indeed.

  • Enroll and earn up to $120 in eligible Wireless Credits each year.

  • Access a $200 Annual Travel Credit each year of your Cardmembership.


Unlock spending power and payment flexibility with a full suite of business management tools that give you more control over your business - anytime and anywhere
  • Enjoy financial flexibility with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history.

  • Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.

  • Pay for business expenses over time with Flexible Payment Option.

  • This charge Card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full Charge. This rate is effective from the day the account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 29.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.

  • Extend payment solutions with Supplementary Cards for your employees.

Enjoy special benefits for you and your business

  • Take full advantage of the American Express Global Lounge CollectionTM which unlocks access to over 1400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.

  • Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.

  • Get access to discounted base fares for you and your travel companions when you book through the International Airline Program.

  • Enjoy Fine Hotels + Resorts benefits at over 1,600 properties worldwide like guaranteed late check-out, complimentary breakfast for two, and more with Business Platinum.

  • Upgrade your stay with premium status at leading hotel brands like Hilton Honors and Marriott Bonvoy.

  • Enjoy access to specialty services and events, preferential treatment, and a dedicated Concierge team.

  • Access a $100 CAD credit for NEXUS every 4 years with your Cardmembership.

Access comprehensive insurance coverage for your travel needs

  • Access Out of Province/Country Emergency Medical Insurance (for under age 65), even if you don’t charge your tickets and travel arrangements to your Business Platinum Card.

  • Access Trip Cancellation Insurance, Trip Interruption Insurance, Travel Emergency Assistance, and up to $500,000 Travel Accident Insurance when you fully charge your tickets and travel arrangements to your Business Platinum Card.

  • Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Platinum Card.

  • Save money when travelling with complimentary Car Rental Theft and Damage Insurance.

Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Platinum Card

  • Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection® Plan.

  • Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance® Protection Plan.

  • Equip your business with Mobile Device Insurance.


American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

• Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• Cash Back Rebate is for first time American Express Business Platinum Cardmembers

NOTE: You must contact GCR within 3 months of application date to report a missing rebate otherwise the rebate is void by the merchant.
Scotiabank Passport® Visa Infinite Business* Card
GCR Rebate
$0		   Initial Rewards
Earn up to $1,200* in value		   Credit Needed
Earn up to $1,200* in value in the first 12 months, including up to 40,000 bonus Scene+ points.
Select
Earn up to $1,200* in value in the first 12 months, including up to 40,000 bonus Scene+ points.

Offer valid May 1, 2025 – October 31, 2025.



FEATURES
  • Earn 1.5X the Scene+ points for every $1 spent2 on purchases for your business.

  • No foreign transaction fee.3 We will not charge you a foreign transaction fee on foreign currency purchases whether you make them online or outside of Canada. Only the exchange rate will continue to apply.

  • 6 Complimentary airport lounge access.4 Your card gives you (the Primary Cardholder) complimentary Visa Airport Companion Program (“Program”) membership, plus six complimentary lounge visits per year from the date of enrollment, providing you with access to 1,200+ airport lounges globally, including participating Plaza Premium Lounges. Use the six complimentary lounge visits for yourself or anyone travelling with you.

  • Redeem rewards easily for yourself or someone else. Use your points for travel, merchandise, gift cards for your business and more.7,8

  • Exclusive savings. Turn business purchases into business savings with Visa SavingsEdge.5

  • Manage Visa Business card expenses more efficiently with Visa Spend Clarity for Business6, a web-based tool that allows you to track expenses and helps you stay on budget.

  • Visa Infinite benefits10 with your Card which include Visa Infinite Concierge and the Luxury Hotel Collection.

  • Avis car rental. Take advantage of the complimentary Avis Preferred Plus membership9

  • Add Supplementary cards for your employees. One account, multiple cards. Added benefits!

Scotia SelectPayTM

Enjoy the flexibility of buying now and paying little by little. Turn eligible credit card purchases of $100 or more into monthly installment payments over a fixed period of time with Scotia SelectPay.13


Insurance coverage11
  • Travel emergency medical insurance
  • Trip cancellation / trip interruption insurance
  • Travel accident insurance
  • Rental car collision loss/damage insurance
  • Flight delay insurance
  • Delayed and lost baggage insurance
  • Waiver of liability program

Rates, fees and other information are effective as of May 1, 2025. Subject to change.


* Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of December 4, 2024:
  • $300 in travel rewards (30,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Business Card clients who spend $5,000 within the first 3 months;

  • $100 in travel rewards (10,000 bonus Scene+ points) when you spend $60,000 on your Scotiabank Passport Visa Infinite Business Card within the first 12 months;

  • $199 primary card fee waiver offer for the first year;

  • $136 in foreign transaction fee savings based on average first year annual foreign spend per Scotiabank Passport Visa Infinite Business Card account (save the 2.5% foreign transaction fee markup typically charged by card issuers);

  • $305 in first year point earn potential (30,500 Scene+ points) on eligible business purchases based on average annual first year spend per Scotiabank Passport Visa Infinite Business Card account;

  • $359 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on “Preferential” membership valued at approx. CAD$359/USD$259). Currency conversion as at October 25, 2024.

Potential First Year Value = up to $1,200

Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.


Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.


* See Card Provider's website and Card Application for complete card details, terms, conditions and current offers. Reasonable efforts are made to maintain accuracy of information.

No rebate offered at this time.
The Marriott Bonvoy® Business American Express®* Card
GCR Rebate
$75		   Initial Rewards
60,000 Welcome Bonus Marriott Bonvoy® points		   Credit Needed
Fair
Earn 60,000 Welcome Bonus Marriott Bonvoy® points after you charge $5,000 in purchases to your Card in your first three months
Select
Earn 60,000 welcome bonus Marriott Bonvoy® points

  • Earn 60,000 Welcome Bonus Marriott Bonvoy® points after you charge $5,000 in purchases to your Card in your first three months of Cardmembership.


FEATURES

Earn Marriott Bonvoy points that you can redeem in a variety of ways.
  • Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy hotels.

  • Earn 3 points for every $1 spent on eligible gas, dining and travel after your welcome offer ends, or the cap is reached.

  • Earn 2 points for every $1 spent on everything else.

  • Redeem points for free nights with no blackout dates at over 7,000 of some of the world's most extraordinary hotels and resorts around the globe. Use your points for flights on some of the world's leading airlines.


Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.
  • Leverage your cash flow with the option of carrying a balance or paying in full each month.

  • Control employee expenses plus track and accumulate points on your account with Supplementary Cards, so you have an opportunity to maximize the points you earn.


Experience the exclusive benefits of the Marriott Bonvoy® Business American Express®* Card.
  • Receive an Annual Free Night Award automatically each year after your anniversary.

  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy Business American Express Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program.

  • Upgrade to Gold Elite status after you charge $30,000 in net purchases to your Card each year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card.


American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

• Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• Cash Back Rebate is for first time Marriott Bonvoy™ Business American Express® Card

NOTE: You must contact GCR within 3 months of application date to report a missing rebate otherwise the rebate is void by the merchant.
ScotiaLine® for business Visa* Credit Card
GCR Rebate
$0		   Initial Rewards
Low interest rate and no annual fee		   Credit Needed
Save on car rentals for your business trips. Get discounts on your business purchases.
Select
Low interest rate and no annual fee



FEATURES
  • Limit up to $500,0003
  • No additional cost for extended warranties on your purchases for up to 90 days4
  • Free supplementary cards and personalized cheques
  • Flexible repayment terms
  • 21-day interest-free grace period2

Your card comes with benefits

Organize and track business expenses
Spending on your ScotiaLine for business Visa account is consolidated into one monthly statement. Transactions made by additional Supplementary Cardholders are easily identified on your statement.

Get supplementary cards for employees
Add additional supplementary cards for your employees. One account, multiple cards. Added benefits!

Save when you make business purchases
With Visa SavingsEdge receive discounts on your business purchases.

Save on car rentals for your business trips
Renting a car for business? Save on car rentals with discounts at participating AVIS car rental locations worldwide.

Manage Visa Business card expenses more efficiently
Manage Visa Business card expenses more efficiently with Visa Spend Clarity for Business†, a web-based tool that allows you to track expenses and helps you stay on budget.


Insurance coverage available with your card

Purchase security & extended warranty protection
Most items purchased with your Card are insured against theft, loss or damage for 90 days from the purchase date and the manufacturer’s warranty is doubled for up to one year.


Protect the business you’ve built with optional Scotia Business Loan Protection7

Safeguard your business with extra protection should the unexpected happen.

If you own a business and you or any other key employee are unable to work due to a disability, Scotia Business Loan Protection can cover the regular payments on your Scotiabank line of credit, loan or credit card. If you or another key employee passes away, your outstanding loan amounts can be paid in full.

Basic Protection
Your coverage includes essential life insurance benefits. With Basic Protection, your business can receive a life insurance benefit of up to $2,000,000 if an insured employee passes away.

Comprehensive Protection
Your coverage provides Life insurance, Disability, Hospitalization and Terminal Illness benefits.

With Comprehensive Protection, your business can receive the following benefits:
  • Life insurance benefits of up to $2,000,000 if an insured employee passes away;
  • Disability benefit paid monthly and equal to 1%8 of the Comprehensive coverage amount if an insured person becomes disabled;
  • Hospitalization benefit equal to 2%9 of the Comprehensive coverage amount up to $15,000; or
  • Terminal Illness benefit equal to the outstanding balances10 on your insured borrowings.


Interest Rates
Secured: As low as Prime1 + 1.00%
Unsecured: As low as Prime1 + 3.49%

* See Card Provider's website and Card Application for complete card details, terms, conditions and current offers. Reasonable efforts are made to maintain accuracy of information.

No rebate offered at this time.
Scotia Momentum® for business Visa* Card
GCR Rebate
$0		   Initial Rewards
2.99% introductory interest rate on Balance transfers		   Credit Needed
2.99% introductory interest rate on Balance transfers for the first 6 months.
Select
2.99% introductory interest rate on Balance transfers for the first 6 months (22.99% after that; annual fee $79).1

Offer valid November 1, 2023 - October 31, 2025.



FEATURES
  • 3% cash back on eligible gas station, restaurant and office supply store purchases, and on eligible recurring bill payments and 1% cash back on all other everyday purchases for your business.2

  • Powerful Spend Management. Manage Visa Business card expenses more efficiently with Visa Spend Clarity for Business, a web-based tool that allows you to track expenses and helps you stay on budget.

  • Save when you shop. Receive discounts on your business purchases with Visa SavingsEdge*.5

  • Organize and track business expenses. Spending on your Scotia Momentum for business Visa card is consolidated into one monthly statement. Transactions made by additional Supplementary Cardholders are easily identified on your statement.

  • Cash flow. Make the most of your card. Consolidate all your recurring payments on your card and turn them into cash back rewards!

  • Add Supplementary cards for your employees. One account, multiple cards. Added benefits!

  • Save time at the checkout. Tap your Scotia Momentum for business Visa* card for quick easy payments.


Scotia SelectPayTM

Enjoy the flexibility of buying now and paying little by little. Turn eligible credit card purchases of $100 or more into monthly installment payments over a fixed period of time with Scotia SelectPay.12


* See Card Provider's website and Card Application for complete card details, terms, conditions and current offers. Reasonable efforts are made to maintain accuracy of information.

No rebate offered at this time.
American Express® Aeroplan®* Business Reserve Card
GCR Rebate
$125		   Initial Rewards
Up to 90,000 Welcome Bonus Aeroplan®* points		   Credit Needed
Excellent
Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations®*.
Select
Earn up to 90,000 Welcome Bonus Aeroplan®* points

  • Earn 65,000 Aeroplan points after spending $10,500 on your Card within the first 3 months as a new American Express® Aeroplan®* Business Reserve Cardmember.

  • Plus, earn 25,000 Aeroplan points when you spend $3,500 in month 13.



FEATURES

Earn Aeroplan points that you can redeem in a variety of ways.
  • Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations®*,
    2 points for every $1 spent on eligible hotels and car rentals.

  • Earn 1.25 points for every $1 spent on everything else.


Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.
  • Leverage your cash flow with the option of carrying a balance or paying in full each month.

  • Control employee expenses plus track and accumulate points on your account with Employee Cards, so you have an opportunity to maximize the points you earn.


Unlock business travel possibilities to make every work trip one to look forward to.
  • Access more than 1,200 Priority Pass™ airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class.

  • Enjoy access to select Air Canada Maple Leaf Lounges™ for you and a guest, and Air Canada Café™; in North America, with a same day ticket on a departing Air Canada or Star Alliance®* flight.

  • Enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada, together with up to eight companions.

  • Enjoy your first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight, together with up to eight companions travelling on the same reservation.

  • Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges).

  • Stay focused on getting where you need to go. Receive up to $100 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Aeroplan Business Reserve Card.

  • Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice.

  • If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, Complimentary Valet Service, 15% discount on parking rates, and 15% discount on Car Care Services.

  • Roll over any unallocated Aeroplan Elite™ Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.

  • Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade.

  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 in eligible net purchases charged to your Card.

  • Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more.

  • Unlock two-car-class rental upgrades, expedited service, dedicated phone line, and more with complimentary upgrade to Avis President’s Club.


American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

• Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• Cash Back Rebate is for first time American Express® Aeroplan®* Business Reserve Cardmembers

• NOTE: You must contact GCR within 3 months of application date to report a missing rebate otherwise the rebate is void by the merchant.
Scotia® Home Hardware PRO Visa* Business Card
GCR Rebate
$0		   Initial Rewards
Earn up to 7,500 bonus Scene+ points		   Credit Needed
Earn up to 7,500 bonus Scene+ points in your first 3 months (that’s up to $75 in points value).
Select
Earn up to 7,500 bonus Scene+ points in your first 3 months (that’s up to $75 in points value).1

Offer valid until September 30, 2025.


Earn 7,500 Scene+ Points upon spending $1,000 in eligible purchases at eligible Home Hardware, Home Building Centre,
Home Hardware Building Centre, Home Furniture locations in Canada and online at homehardware.ca in the first 3 months.



FEATURES
  • Earn 1 Scene+ point for every $1 spent on your card for eligible business purchases at Home Hardware.1

  • Save on car rentals. As a Scotia Home Hardware PRO Visa Business cardholder, you can save up to 25% off base rates at participating AVIS locations Worldwide and at participating Budget locations in Canada and the U.S. when you pay with your Scotia Home Hardware PRO Visa Business card.

  • Save time at the checkout. Tap your Scotia Home Hardware PRO Visa Business Card or your mobile wallet for quick easy payments.

    Visa payWave* – Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!

    Click to Pay – Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.

    Also, use your phone to make on-the-go payments with Google Pay, Samsung Pay and Apple Pay.

  • Powerful Spend Management. Manage Visa Business card expenses more efficiently with Visa Spend Clarity for Business, a web-based tool that allows you to track expenses and helps you stay on budget.

  • Get a supplementary Card. Add Supplementary cards for your employees. One account, multiple cards. Added benefits!



Visa* SavingsEdge
One great program – two paths to savings on your everyday business purchases with Visa SavingsEdge:

  • Everyday Savings Offers: automatically available after you enroll, requiring no coupons or codes and are applied as statement credits on enrolled Visa Business cardholder’s future account statements.

  • Instant Savings Offers: savings applied to your cart using a promotion code prior to making a qualifying purchase on a participating merchant’s website. It’s free to join. Visit Visa SavingsEdge to enroll your eligible business and learn more.


Scotia SelectPayTM
Enjoy the flexibility of buying now and paying little by little. Turn eligible credit card purchases of $100 or more into monthly installment payments over a fixed period of time with Scotia SelectPay.



Insurance coverage available with your Card:

Purchase Security and Extended Warranty
  • Most business purchases you make with your Scotia Home Hardware PRO Visa Business Card are covered for 90 days by Purchase Security.
  • Most purchases will be replaced or repaired or you will be reimbursed if they are stolen, damaged or destroyed by fire.
  • And Extended Warranty doubles the written manufacturer’s original warranty of most purchases to a maximum of one additional year. Certificate of Insurance
Optional Scotia Business Loan Protection Insurance
Basic Protection: Your coverage includes essential life insurance benefits. With Basic Protection, your business can receive a life insurance benefit of up to $2,000,000 if an insured employee passes away.

Comprehensive Protection
With Comprehensive Protection, your business can receive the following benefits:
  • Life insurance benefits of up to $2,000,000 if an insured employee passes away;
  • Disability benefit paid monthly and equal to 1%17 of the Comprehensive coverage amount if an insured person becomes disabled;
  • Hospitalization benefit equal to 2%18 of the Comprehensive coverage amount up to $15,000;
    OR
  • Terminal Illness benefit equal to the outstanding balances19 on your insured borrowings.

Rates, fees and other information are effective as of May 1, 2025. Subject to change.


Purchase Interest Rate: Competitive interest rate tied to Scotiabank's prime rate.


* See Card Provider's website and Card Application for complete card details, terms, conditions and current offers. Reasonable efforts are made to maintain accuracy of information.

No rebate offered at this time.