Offer
Earn up to 15,000 bonus Scene+ points in your first 3 months (that’s up to $150 in points value).
- Earn Scene+ points at Home Hardware and redeem with any Scene+ rewards partner.
- Earn 1 Scene+ point for every $1 spent on your card for eligible business purchases at Home Hardware.
- Redeem your Scene+ points on what you want for your business – business travel, office improvements, entertainment, groceries, gift cards from 60+ brands, tech, and even account credits.
- Use at any retailer where Visa is accepted.
- Manage your cash flow with a 21-Day interest free grace period on new purchases.
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.
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, Apple Pay.
Insurance Coverage
- Purchase Security Extended Warranty Protection
- Optional Scotia Business Loan Protection Insurance
Fees & Conditions
Value
Advantages
Insurance
Travel Insurance
There may be a daily maximum amount depending on the type of fees paid
Other Insurance
Legal
Rates, fees and other information are effective as of May 1, 2025. Subject to change.
Offer Description and Conditions: The 15,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotia Home Hardware PRO Visa Business credit card accounts (“Account”) opened by July 1, 2025, and is subject to the below terms and conditions.
To be eligible for 15,000 bonus Scene+ points (the “Point Bonus”), you must open a new Account by July 1, 2025, and have at least $1,500 in eligible purchases made at Home Hardware, Home Building Centre, Home Hardware Building Centre, Home Furniture locations in Canada and online at homehardware.ca posted to your new Account in the first 3 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees, or other charges.
The Point Bonus will be credited within approximately 8 weeks after the qualifying $1,500 in eligible purchases has been posted to the Account within the first 3 months of the Primary cardholder’s Account open date, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the $1,500 of eligible purchases. If a supplementary cardholder completes the last qualifying transaction, the Point Bonus will be credited to the Primary Borrower’s Scene+ account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. All other terms and conditions of the Scene+ Program continue to apply during the Offer period. Offer may be changed, cancelled, or extended without notice at any time and cannot be combined with any other offers.
Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank business credit card in the past 2 years, including those that switch from an existing Scotiabank business credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank personal credit cardholders are also eligible for the Offer.
Rates and Fees: The current annual fee is $0 for the primary card, $0 for the first additional card and $0 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders). All rates, fees, features, and benefits are outlined in the Welcome Kit you will receive if approved and are subject to change.