Scotiabank More Rewards* VISA* card

Interest Rate19.99%

Annual Fee$0

Welcome Bonus

Receive 15,000 bonus More Rewards points when you make your first purchase in 90 days*

Choose one of the $50 Gift Cards Below

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Scotiabank More Rewards* VISA* card

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Interest Rate


Annual Fee


Sign-Up Bonus

Receive 15,000 bonus More Rewards points when you make your first purchase in 90 days*

Balance Transfer:


Cash Advance:


Minimum Credit Score Needed:

Good (690-719)

Credit Card Issuer:



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Scotiabank More Rewards Visa Card Review
5 / 5 Reviewer
Editors Rating

Scotiabank More Rewards Visa Card Review

Features at a Glance

  1. 6 points for each dollar at More Rewards partner locations
  2. 4 points on a dollar at other partnering locations
  3. Extra reward points for using more rewards loyalty card
  4. No limit to the points you can earn on everyday purchases
  5. Flexible reward redeeming options
  6. Shop confidently because purchases are secured with insurance and warranty
  7. Quick and easy checkout options
  8. No annual fee


The Scotiabank More Rewards Visa Card stormed into the Canadian market in May 2016 as one of most rewarding no-annual-fee cards. It’s a concern of the Overwaitea Food Group and currently offers reward programs for selected companies mostly based in Western Canada. However, it’s slowly growing into a nationwide coalition and its tie with Scotia – a major Canadian bank – enhances the credibility of this credit card.   

The Signup

The 15,000 points sign up bonus is applicable to the cardholders who get their account approved between 1st June 2017 and 30 June 2018, and make the first purchase within the 90 days of the approval.

The bonus points will be awarded to only one account for each More Rewards membership. If there are primary and secondary cardholders for one account, the rewards will be credited to the membership account.


There is no cost associated with the primary or supplementary cards because it’s a no-annual-fee card. The minimum credit limit is $500 but it could be higher for people who have a good credit history.

The purchase interest rate is 19.99% but you can avoid it by paying within the interest-free grace period, which is 21 days from the day of purchase. The interest rate on balance transfers, cash advances, and Scotia Credit Card Cheques is 22.99% and there is no interest-free intro period.

How to Earn Points?

The visa card offers opportunities to earn reward points in three easy, no-fuss ways:

  1. Get 6 points for a dollar spent on purchasing stuff at participating More Rewards locations.
  2. Get 4 points for every dollar spent on any purchase from non-More Rewards partners.
  3. Use the More Rewards loyalty card and earn one extra point for each spent dollar at partner locations.

The good news is you will earn 6 points per dollar not only at participating locations but by spending at the joints of participating More Rewards partners including More Rewards Travel Agency, Speedy Glass, Petro Canada, and Panago Pizza. Even purchases made by the Supplementary Cardholder will be rewarded at the same rate.

Do you want to hear something better? You can earn as many points as you want on everyday purchases!

Easy Redeeming Options

The Scotiabank More Rewards Visa Card is sure to impress by providing a large catalog of redemption options. You can redeem the reward points by using both online catalog and in-store purchase.

There is a wide variety of products across several categories for online redemption. Or, use the points at your discretion while shopping at grocery partners including Overwaitea Foods, Urban Fare, PriceSmart Foods, and Save-On-Foods. You can redeem any number of points and pay the rest with cash.

Booking a trip via the More Rewards Travel will give you the best bang for your points, though. You could get a 2.54% return (when you earn 6 points per dollar) and 1.69% return (when a dollar returns 4 points), which are huge considering that it’s a no-annual-fee card.

The Unique Benefits

Here are some advantages of the Scotiabank More Rewards Visa Card that you will absolutely love:

Purchase without any worry.

You will get purchase security for 90 days from the day of purchase anywhere in the world given that the full cost of the purchased items is charged to your card. It also offers an extended warranty, making the original warranty period double for up to one additional year.

There is the Price Protection Service that pays the price difference if any item purchased in Canada goes into a sale at a lower price within 60 days of the purchase. The difference for a single item will not cross $100 and it won’t be more than $500 in a calendar year.

Get financial security.

Get extra financial protection by paying a minimal monthly premium rate. It will save you during unfortunate live events such as job loss, critical health issue, and disability.

Easy payment.

You can use Visa Checkout, My Mobile Wallet, and Apple Pay options for quick payments. But, nothing can beat the Visa payWave option. Make the payment by simply waving your card over the card reader!

Save on car rentals.

Pay with the card and save up to 25% on booking at participating AVIS and Budget outlets in Canada and the United States.


Apply Online

$50 Cashback upon Approval from

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Get 15,000 bonus points1 with your new Scotiabank® More Rewards®* Visa* account.

Receive 15,000 bonus More Rewards points when you make your first purchase in 90 days.1

Earn 6 More Rewards points for every $1 spent at participating More Rewards locations

Now shopping comes with up to 6x the points.

  • Earn 6 More Rewards points for every $1 spent on purchases at participating More Rewards locations1
  • Earn 4 points for every $1 on other purchases everywhere else1
  • Get 1 additional point for every dollar you spend when you also use your More Rewards loyalty card at partner locations1
  • There's no limit to the number of points you can earn1
  • Flexible redemption options and reward choices. 

More Details:

  •  You're a Canadian Citizen OR are a Permanent Resident
  • You're at least the age of majority in your province or territory
  • You've not declared bankruptcy in the past 7 years
  • Your annual gross income is at least $12,000
  • You have read and accepted the Application Disclosure Statement
  • Scotiabank® More Rewards®* VISA* card is not available to residents of Quebec

Fine Print:

New Accounts opened by October 31, 2017

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Balance Transfer: n/a

Cash Advance: n/a

Welcome Bonus

Welcome Bonus 25,000 Membership Rewards*

Interest Rate


Annual Fee

No Annual Fee

Balance Transfer: 1.95% of amount transferred**

Cash Advance: 19.95%

Welcome Bonus

1.95% Balance Transfer & Earn 2% Money-Back Rewards on purchases

Interest Rate


Annual Fee


Balance Transfer: 22.99%

Cash Advance: 22.99%

Welcome Bonus

Earn 5,000 bonus points with your first $500 in everyday purchases in first 3 months

Interest Rate


Annual Fee


Balance Transfer: 22.99%

Cash Advance: 22.99%

Welcome Bonus

Receive 15,000 bonus More Rewards points when you make your first purchase in 90 days*
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