Credit Cards

Below you will find a wide range of credit card providers. Use the table to compare key factors of different credit cards including the rates, fees, issuer and other important features. You may also find introductory offers on credit cards such as balance transfers at 0% for a set period. Some Credit cards also offer great extras like travel insurance protection, collection of air miles and other rewards systems. Check to see which credit cards have the features which interest you and compare them with any existing cards you may hold. It is essential that when you are choosing a credit card you make sure that you fully understand what you are purchasing. This is easily done by reading the terms and conditions of the card you are interested in carefully before you apply.

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COMPANYISSUER

ISSUER

Card Issuer

APR

APR

The term annual percentage rate describes the interest rate for a whole year (annualized), rather than just a monthly fee/rate

FEES

FEES

Fees included with the cards

CREDIT LIMIT

CREDIT LIMIT

The limit of credit offered to you by the credit card provider

CHIP AND PIN

CHIP AND PIN

Chip and Pin facility available

CASHBACK

CASHBACK

Is cashback available on purchases

CASH ADVANCES

CASH ADVANCES

Cost to withdraw cash up to a certain limit

BALANCE TRANSFER

BALANCE TRANSFER

A credit card balance transfer is the transfer of the balance (the money) in a credit card account to an account held at another credit card company

NEW PURCHASE

NEW PURCHASE

A purchase rate is the interest rate charged on regular purchases put on a credit card. It differs from a cash advance rate in that it is lower because banks and issuers view regular purchases as less risky

CREDIT REBUILD

CREDIT REBUILD

Credit rebuild facility included

MORE INFO

Scotiabank American Express GOLD Card
Scotiabank American Express GOLD Card

Amex Card19.99%$99 p.a.$5,000 minimumYesNo21.99%21.99%19.99NoScotiabank American Express GOLD Card
Cardholders of the Scotiabank Gold American Express Card benefit from a whole package of advantages – starting with 30.000 bonus points for your first card purchase. That is worth $150 of travel – and you can book your journey online with a 24/7 full service travel agency. But this is not all, because the card includes comprehensive travel insurance. If you are a frequent traveler you should not be without this card! DETAIL INFORMATION >>Services

Services

Complimentary Concierge Services


Advantages

Advantages

Earn travel rewards up to 4x faster 24/7 Full Service Travel Agency


Disadvantages

Disadvantages

$99 annual fee

No-Fee Scotiabank Value Visa
No-Fee Scotiabank Value Visa

Visa Card16.99%$0from $500YesNo16.99%16.99%16.99%NoNo-Fee Scotiabank Value Visa
Get a No-Fee Scotiabank Value VISA card and we'll help reduce your borrowing costs! Receive a 3.99% introductory interest rate on cash advances, balance transfers and Scotia® Credit Card cheques for the first six months. If you are a Canadian citizen you can apply now online in a few simple steps. DETAIL INFORMATION >>Services

Services

Online application


Advantages

Advantages

1.Save hundreds of dollars per year 

2.Pay down balances faster 
3.Simplifay your monthly payments


Disadvantages

Disadvantages

Extra fees might apply

ScotiaGold Passport® VISA* card
ScotiaGold Passport® VISA* card

Visa Card19.99%$110, additional card holder $30$5,000 minimumYes5% cash back on travel purchased through Scotia Rewards21.99%21.99%19.99%NoScotiaGold Passport® VISA* card
Travel anywhere, at any time of the year with no restrictions. Premium travel and merchandise rewards. Application is easy and fast – and for a limited time you get 5,000 bonus Scotia Rewards points with first purchase DETAIL INFORMATION >>Services

Services

Comprehensive travel protection and insurance
Book online or by phone
Concierge Service


Advantages

Advantages


1. Earn one Scotia Rewards 1 point for every $1 you spend
2. Travel anywhere, at any time of the year with no restrictions
3. Comprehensive travel insurance
4. 5% cash back on travel purchased through Scotia Rewards
5. 5,000 bonus Scotia Rewards points with first purchase for limited time.


Disadvantages

Disadvantages

$110 Annual Fee

Scotia Momentum® VISA* card
Scotia Momentum® VISA* card

Visa Card19.99%$39, additional card holder $15Minimum credit limit is $500Yesup to 2%21.99%21.99%19.99%NoScotia Momentum® VISA* card
Cash back on everyday spending. Get 2% on eligible gas station, grocery store and drug store purchases and recurring bills. Get 1% cash back on all other eligible purchases. Application is easy and fast – and for a limited time you get a 1.99% interest rate on cash advances and balance transfers for the first six months. DETAIL INFORMATION >>Services

Services

Purchase security and extended warranty protection


Advantages

Advantages

1. 2% on eligible gas station, grocery store and drug store purchases and recurring bills 
2. 1% cash back on all other eligible purchases
3.20% AVIS rental card discount 
4. For a limited time get a 1.99% interest rate on cash advances and balance transfers for the first six months


Disadvantages

Disadvantages

Lower Cash Back rate than other Scotiabank cash back credit cards

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Compare Credit Cards

Credit Cards Are the Most Popular Way to Obtain Credit Internationally

Choosing Credit Cards

Credit cards are probably the most popular way to borrow money. A credit card can offer you a fast line of credit at any time. There are numerous different credit cards on the market and it can be difficult to decide what sort of credit card you need. Before you get a credit card assess your needs and work out what you want. Then spend time doing some research in order to find the credit card which is best for you.

Types Of Credit Card

You are likely to see 0% balance transfer cards advertised all over the internet. If you already have an outstanding balance on one credit card you can then transfer this balance to your new 0% balance transfer card on which you will pay no interest for a set period of time. There is usually a small fee for this.

Getting The Best Credit Card For You

There are also credit cards available for people with bad credit. These sort of credit cards tend to have small credit limits and the APR can be higher than average. However, bad credit credit cards can be useful for rebuilding your credit as well. If you do not have much of a credit history then these cards can also be good for first time credit card purchasers.

Get a Rewards Credit Card Today

Rewards cards are extremely popular and well worth looking into, especially if you pay off your credit card debt each month. Credit cards which give you air miles are very popular. The more you purchase with your card the more air miles you will get. There are all sorts of reward cards offered by shops, sports teams and many other stores. There are also credit cards called cash back cards which can offer you a certain amount of cash back for the purchases you make.

Calculating APR

To calculate the interest on your card each month, the lender multiplies the card's interest rate (the APR) times your card balance. This will give the interest for the entire year. The lender will divide this interest calculated by the number of months in the year, or 12. With average daily balance (the most common method), the issuer calculates the balance by taking the amount of debt you had in your account each day during the period covered by the billing statement and averaging it. With previous balance the issuer uses the balance outstanding at the end of the previous period-- that is, the period prior to the one covered by the current billing statement.

How to compare credit cards

Taking advantage of the best credit cards on the market can make a big difference to you and your finances. Credit cards can be a cheap way to borrow, if you do this sensibly and always pay off your credit card in full at the end of every month. How do you know which credit card to choose? Before you start researching the credit cards on the market you should decide which type of credit card is suitable for you and your needs.

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