Scotiabank Visa Classic

Credit Card
No annual fee

Scotiabank Visa Classic

Welcome offer
No Annual Fee for the First Year!
Features
  • Waive annual fees by spending J$30,000/month after the first year
  • Free Additional Cards and Personalised Cheques
  • Enhanced security through Chip and PIN verification
Annual Fee
J$ 2,467.81
Purchase
Interest Rate
49.99%
Cash
Advance Rate
51.99%
Minimum
Payment
5.00%
Learn more
Rewards & Benefits
  • Potential to Waive Annual Fees: Keep the cash back rewards flowing – if you spend an average of J$30,000 or more per month after the first year, you won’t be charged any annual fees.

  • Free Additional Cards (with Spending Requirement): Extend the convenience to your family! Add up to 3 additional cards for free, subject to meeting the annual spending requirement.

  • 24/7 Global Assistance: Travel with confidence! Get access to emergency services worldwide through Visa International Service Centre.

  • Secure Transactions with Chip & PIN: Enjoy peace of mind knowing every purchase is protected with chip and PIN technology. Your unique 4-digit PIN adds an extra layer of security to every transaction.

  • Skip the ATM Line: Write Cheques Anywhere: Enjoy the ease and convenience of using personalized Convenience Cheques to pay bills, shop, or withdraw cash from a teller window, just like using your regular checks.

  • Financial Protection for Your Loved Ones: Safeguard your family’s financial well-being in case of unforeseen circumstances. Optional Credit Life Insurance is available for up to US$25,000.

  • Know Your Fees Upfront: The Scotiabank Visa Classic Card comes with easy-to-understand fees. For a complete breakdown, visit the Scotiabank Credit Card Rates & Fees Schedule.

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Investment Disclosure - Managed Funds

Please note that past performance of managed funds, including unit trusts and mutual funds, does not guarantee future results. While historical performance can provide valuable insights into a fund’s track record and management capabilities, it should not be the sole basis for making investment decisions.

Managed funds are subject to market fluctuations, economic conditions and various other factors that may affect their performance. Investors should carefully consider their investment objectives, risk tolerance and financial situation before investing in any managed fund.

Additionally, it’s essential to conduct thorough research and consult with a qualified financial advisor to ensure that the selected managed fund aligns with your individual investment goals and preferences.

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Fixed Income Investment Disclaimer:

  • Interest Rate Risk: The value of your fixed income investment may decline if interest rates rise. As rates go up, investors may be able to earn higher returns on new investments, potentially making your existing fixed-rate investment less attractive.
  • Credit Risk: There is always the possibility that the issuer of a fixed income security, like a CD, may default on their obligation to repay your principal or interest. This risk is generally lower with government-backed securities but can be higher with corporate bonds.
  • Market Volatility: Even fixed income investments can experience some price fluctuation, especially in secondary markets where they may be sold before maturity.
  • Early Withdrawal Penalties: Some fixed income investments, like CDs, may impose penalties if you withdraw your funds before the maturity date.

Before investing in any fixed income product, carefully consider your investment goals, time horizon, and risk tolerance. It’s important to understand the specific features and risks associated with each type of investment. Consider consulting with a financial advisor to ensure these investments align with your overall financial plan.

This information is for general purposes only and does not constitute financial advice.

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While we strive to maintain accuracy and transparency, please understand that featured products may influence their placement on our website. However, rest assured that our rankings and recommendations remain impartial and grounded in objective analysis.

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Last Updated: March 8, 2024. 

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