-
1 point per dollar at Home Hardware
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
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.
- Primary card $0
- Additional card $0
- Individual
- Household
- %
- Purchase Rates —
- Cash Advance Rates —
- Balance Transfer Rates —
- All SpendingScene+ Point
- GroceriesScene+ Point
- GasScene+ Point
- Year 1
- Year 2+
- Scene+
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
$0 Annual fee
-
Accepted at Costco
-
Roadside assistance
Join and get up to $100 in value† with no annual fee.
Here’s how it adds up:
Get up to 6,000 Adapta points during your first year (up to $50 in value†) :
- Receive a Welcome Bonus of 3,000 Adapta Points after your first purchase† (up to $25 value†)
- Get 3,000 Adapta Points when you spend $1,000 in the first 4 monthly statement periods† (up to $25 value†)
- Includes membership to roadside assistance† after you make your first purchase. Services include battery boosting, gas delivery, towing and more, offered by Dominion Automobile Association ($50 value†)
Adapta points accumulation
- Earn 1.5 Adapta points for every dollar you spend in your top 3 spend categories each month.
- Earn 1 Adapta point for every dollar you spend on all other purchases.
Spend categories
- Grocery and drug stores
- Pet stores
- Dining and drinks
- Gas and EV
- Transit and parking
- Entertainment
- E-games and subscriptions
- Home improvement
- Electronics
- Clothing
- Health and beauty
- Hotels and motels
Benefits
- Roadside assistance for primary cardholders. Offered by Dominion Automobile Association (DAA), you’ll get access to services such as towing, battery boosting, gas delivery and much more.
- Save up to 10 cents per litre on gas. Get a discount every time you fill up at participating gas stations when you link your Adapta Mastercard with Journie Rewards™.
- Primary card $0
- Additional card $0
- Individual
- Household
- 2.5 %
- Purchase Rates 21.99 %
-
Cash Advance Rates
22.99 %
21.99 % (QC)
-
Balance Transfer Rates
22.99 %21.99 % (QC)
- All Spending1Adapta Point
- Groceries1Adapta Point
- Gas1Adapta Point
- Year 1 $252
- Year 2+ $201
- Grocery stores
- AdaptaCash Back
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
Porter Benefits
-
Purchase Insurance
-
Accepted at Costco
Welcome offer: Get up to $1,800 in value, including 40,000 VIPorter points and a 35% off flight voucher†. Plus, the annual fee is waived in the first year†.
- Earn 2 points for every $1 spent on Porter purchases
- Earn 1 point for every $1 spent on gas and transportation
- Earn 1 point for every $1 spent on groceries and dining
- Earn 1 point for every $1 spent on hotel accommodations
- Earn 0.5 points for every $1 spent everywhere else
Benefits
- Automatically become an Avid Traveller (VIPorter Passport)
- Priority re-accommodation for flight delays*
- Dedicated check-in*
- Early boarding*
- No VIPorter points expiry
- Earn $1 of Qualifying Spend for every $25 spent
*This benefit applies to up to 8 companions travelling on the same booking
Travel insurance
- 8-day out-of-province or country emergency medical insurance
- Car rental-collision/loss damage insurance
- Common carrier insurance
- Flight delay insurance
- Baggage insurance
- Hotel burglary insurance
Purchase Insurance
- Shop confidently with an extended warranty and purchase protection
Other Benefits
- Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
- Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
- Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
- Get even more benefits: You may qualify for the BMO VIPorter World Mastercard tier of this card – which has the same fees and rates, but also includes experiences available only to World Mastercard cardholders.
†Terms and conditions apply.
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
- Primary card $89
- Additional card $35
- Individual $0
- Household $0
- 2.5 %
- Purchase Rates 21.99 %
-
Cash Advance Rates
23.99 %
21.99 % (QC)
-
Balance Transfer Rates
23.99 %21.99 % (QC)
- Groceries1Point
- Gas1Point
- Dining and Food delivery1Point
- Year 1 $946
- Year 2+ $168
- Grocery stores
- Daily transit
- VIPorter
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
Porter Benefits
-
Premium Insurance
-
Accepted at Costco
Welcome offer: Get up to $2,400 in value, including 70,000 VIPorter points, a round-trip companion pass† and $1,000 in Qualifying Spend†. Plus, the annual fee is waived for the first year†.
- Earn 3 points for every $1 spent on Porter purchases
- Earn 2 points for every $1 spent on gas and transportation
- Earn 2 points for every $1 spent on groceries and dining
- Earn 2 points for every $1 spent on hotel accommodations
- Earn 1 point for every $1 spent everywhere else
Benefits
- Automatically become an Avid Traveller (VIPorter Venture)
- One round-trip companion pass per year†
- 1 complimentary checked bag*
- 1 complimentary carry-on bag on all Porter fare types*
- Free PorterClassic seat selection*
- Priority security*
- Priority re-accommodation for flight delays*
- Dedicated check-in*
- Early boarding*
- No VIPorter points expiry*
- Earn $1 of Qualifying Spend for every $25 spent*
*This benefit applies to up to 8 companions travelling on the same booking
Travel insurance
- 21-day out-of-province or country emergency medical insurance
- Trip Cancellation/Interruption/Delay insurance
- Car rental-collision/loss damage insurance
- Common carrier insurance
- Flight delay insurance
- Baggage insurance
- Hotel burglary insurance
Purchase Insurance
- Shop confidently with an extended warranty and purchase protection
Other Benefits
- Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit. Registration is required. Visit the Mastercard Travel Pass website or use the Mastercard Travel Pass mobile application to register
- Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
- Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
- Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
- Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
- Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.
†Conditions apply.
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
- Primary card $199
- Additional card $75
- Individual $80,000
- Household $150,000
- 2.5 %
- Purchase Rates 21.99 %
-
Cash Advance Rates
23.99 %
21.99 % (QC)
-
Balance Transfer Rates
23.99 %21.99 % (QC)
- Groceries2Points
- Gas2Points
- Dining and Food delivery2Points
- Year 1 $1,764
- Year 2+ $316
- Grocery stores
- Daily transit
- VIPorter
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
No Foreign Transaction Fee
-
Access to VIP Lounges
-
Visa Infinite Privilege Benefits
Your luxury experience starts with 80,000 Scene+ points
That’s up to $800 in value for your travels.
Rewards your way, with Scene+
- Earn 3X the Scene+ points for every $1 you spend on eligible travel purchases. Plus, earn an extra 3X the points on hotel bookings, car rentals, and things to do when you book through Scene+ Travel, Powered by Expedia.
- Earn 2X the Scene+ points for every $1 you spend on eligible dining and entertainment.
- Plus, earn 1X the Scene+ points for every $1 you spend on all other eligible purchases.
$250 annual travel credit
If you’re the primary cardholder, each year you’ll get a $250 statement credit on your first travel booking with Scene+ Travel, Powered by Expedia. This applies to flights, hotels, car rentals, and travel packages anywhere in the world.
Say goodbye to FX fees
Say goodbye to foreign transaction fees with the Scotiabank Passport® Visa Infinite Privilege* Card. Whether you’re shopping online or abroad, you’ll never pay a foreign transaction fee on foreign currency purchases.
Enjoy 10 complimentary airport lounge visits per year
With the Visa Airport Companion Program, you and each of your additional cardholders get access to over 1,200 airport lounges worldwide. This includes 10 free lounge visits per year. Plus, you get exclusive airport dining and retail offers.
Exclusive airport perks
Save time and money with priority security and taxi lanes, discounted valet parking, and dedicated parking.
Upgrade your next getaway at Relais & Châteaux properties
As a Scotiabank Passport® Visa Infinite Privilege* cardholder, you’re eligible for premium benefits at over 200 Relais & Châteaux properties around the world.
Explore the Visa Infinite Luxury Hotel Collection
Enjoy 7 special benefits at over 900 hotels and an 8th exciting benefit at over 200 participating hotels, hand-selected for Scotiabank Passport® Visa Infinite Privilege* cardholders.
Feel at home, anywhere you go
Get exclusive benefits at over 60 Sandman, Sandman Signature, and Sutton Place Hotels across Canada with Visa RSVP Rewards.
Become an Avis®* President’s Club member
Spend less time in line and more time on the road with a complimentary yearly Avis President’s Club membership. This includes two car-class upgrades and the option to skip the line and go straight to your car at most Avis®* locations.
Comprehensive Travel Insurance coverage
- Travel Emergency Medical Insurance
- Trip Cancellation and Trip Interruption Insurance
- Flight delay insurance
- Lost Baggage and Delayed Baggage Insurance
- Rental Car Collision Loss/Damage Insurance
- Hotel Burglary Insurance
- Common Carrier Travel Accident Insurance
- Mobile Device Insurance
- Purchase Security Extended Warranty Protection
*Conditions apply. Rates, fees and other information are effective as of January 3, 2025. Subject to change.
- Primary card $599
- Additional card $199
- Individual $150,000
- Household $200,000
- 0.00 %
- Purchase Rates 20.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
- Travel3Scene+ Points
- Dining and Food delivery2Scene+ Points
- Entertainment2Scene+ Points
- Year 1 $1,144
- Year 2+ $344
- No conversion fees
- Scene+
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
No annual fee
-
8X the points on gas and EV charging purchases
-
8X the points on grocery and drugstore purchases(Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nesters Market, Pure Integrative Pharmacy locations and more.)
Enjoy up to 50,000 bonus More Rewards points. That’s a value of $75 in groceries!
- Earn 30,000 welcome More Rewards points upon your first purchase with the More Rewards RBC Visa Infinite Card.
- Receive 20,000 bonus More Rewards points when you spend $500 in the first three months of opening your card
- Offer ends on June 25, 2025.
8 Points per Dollar on Grocery and Pharmacy Partner Locations
- Earn 8 More Rewards points for every dollar spent at over 700 partner locations like Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nesters Market, Pure Integrative Pharmacy locations and more.
8 Points per Dollar on Gas and EV Charging
- Earn 8 More Rewards points for every dollar you spend on gas or EV charging purchases when paying with your More Rewards RBC Visa Infinite credit card.
8 Points per Dollar on Dining
- Earn 8 More Rewards points for every dollar you spend on dining purchases when paying with your More Rewards RBC Visa Infinite credit card.
4 Points per Dollar on All Other Purchases Anywhere You Shop
- Earn 4 More Rewards points for every dollar you spend on every other purchase you make everywhere you shop with your More Rewards RBC Visa Infinite credit card.
Petro-Canada
- Link your More Rewards RBC Visa Infinite Card to your Petro-Points™ card to save 3¢/L on gas at Petro-Canada™.
Purchase Security and Extended Warranty Insurance
- It automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and the extended warranty doubles the original Canadian manufacturer’s warranty for up to one additional year, for a maximum of five years.
RBC Offers
- Get exclusive savings, perks, and more with your More Rewards RBC Visa Infinite credit card.
The More Rewards RBC Visa Infinite Card is not available to residents of Quebec.
LegalRefer to RBC page for up to date offer terms and conditions
- Primary card $0
- Additional card $0
- Individual $0
- Household $0
- 2.5 %
- Purchase Rates 20.99 %
-
Cash Advance Rates
22.99 %
21.99 % (QC)
- Balance Transfer Rates 22.99 %
- Groceries8Points
- Gas8Points
- Dining and Food delivery8Points
- Year 1 $281
- Year 2+ $206
- More Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
No annual fee
-
5X the points on gas and EV charging purchases
-
5X the points on grocery and drugstore purchases(Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nesters Market, Pure Integrative Pharmacy locations and more.)
Enjoy up to 50,000 bonus More Rewards points. That’s a value of $75 in groceries!
- Earn 30,000 welcome More Rewards points upon your first purchase with the More Rewards RBC Visa Card.
- Receive 20,000 bonus More Rewards points when you spend $500 in the first three months of opening your card
- Offer ends on June 25, 2025.
5 Points per Dollar on Grocery and Pharmacy Partner Locations
- Earn 5 More Rewards points for every dollar spent at over 700 partner locations like Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nesters Market, Pure Integrative Pharmacy locations and more.
5 Points per Dollar on Gas and EV Charging
- Earn 5 More Rewards points for every dollar you spend on gas or EV charging purchases when paying with your More Rewards RBC Visa credit card.
5 Points per Dollar on Dining
- Earn 5 More Rewards points for every dollar you spend on dining purchases when paying with your More Rewards RBC Visa credit card.
3 Points per Dollar on All Other Purchases Anywhere You Shop
- Earn 3 More Rewards points for every dollar you spend on every other purchase you make everywhere you shop with your More Rewards RBC Visa credit card.
Petro-Canada
- Link your More Rewards RBC Visa to your Petro-Points™ card to save 3¢/L on gas at Petro-Canada™.
Purchase Security and Extended Warranty Insurance
- It automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and the extended warranty doubles the original Canadian manufacturer’s warranty for up to one additional year, for a maximum of five years.
RBC Offers
- Get exclusive savings, perks, and more with your More Rewards RBC Visa credit card.
The More Rewards RBC Visa Card is not available to residents of Quebec.
LegalRefer to RBC page for up to date offer terms and conditions
- Primary card $0
- Additional card $0
- Individual $0
- Household $0
- 2.5 %
- Purchase Rates 20.99 %
-
Cash Advance Rates
22.99 %
21.99 % (QC)
- Balance Transfer Rates 22.99 %
- Groceries5Points
- Gas5Points
- Dining and Food delivery5Points
- Year 1 $214
- Year 2+ $139
- More Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
Accepted at Costco
-
Up to 5% cash back on gas and grocery
-
Up to 2% cash back everywhere else
- Up to 5% cashback on gas and grocery and up to 2% everywhere else
- Earn up to $1,213 in cashback annually
- Mastercard World Elite® travel benefits including Extended Warranty & Purchase Protection, Auto Rental Collision Loss Damage, and Comprehensive Travel Insurances
- Get up to $30,000 credit limit, instantly
- Earn additional cashback at over 10,000 Neo network partners
- Annual fee: $149
- Secured option to build credit history
- Primary card $149
- Additional card
- Individual $80,000
- Household $150,000
- 2.5 %
- Purchase Rates 19.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
- Groceries5%
- Gas5%
- All Spending2%
- Year 1
- Year 2+
- Grocery stores
- Cash Back
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
Accepted at Costco
-
Up to 2% cash back on grocery
-
Up to 2% cash back on recurring payments
- Up to 2% cash back on grocery, gas and recurring payments. And 0.5% on everything else.
- Receive bonus cash back based on your Neo Everyday account balance: up to 4% back at the grocery store
- Earn additional cash back at over 10,000 Neo network partners
- No annual fee
- Secured option to build credit history
- Primary card $0
- Additional card
- Individual $50,000
- Household $80,000
- 2.5 %
- Purchase Rates 19.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
- Groceries2%
- Gas2%
- Recurring Payments2%
- Year 1
- Year 2+
- Grocery stores
- Cash Back
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
5 points per dollar on grocery purchases
-
5 points per dollar for gas
-
No annual fee
- No annual fee
- Receive a $50 Tims digital gift card after your first purchase*
- Earn 15 points for every dollar you spend at Tim Hortons by presenting your Tims Rewards card
- Earn 5 points for every dollar spent on groceries, gas, electric vehicle charging, public transit, cabs and carpooling services
- Earn 0.5 points for every dollar spent on all other purchases
- Up to one year extended warranty
- Full integration into the Tim Hortons app
- Annual interest rate for purchases: 20.99% to 26.99% (20.99% to 24.99% for residents of Quebec)
- Annual interest rate for cash advances: 22.99% to 27.99% (22.99% to 24.99% for residents of Quebec)
*Conditions apply. The annual rates for Purchases and Cash Advances are dependent on our assessment of your credit application, credit profile, and your province. The Tims® Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. Mastercard and the circles design is a trademark of Mastercard International Inc. Tims Financial is a registered trademark of Tim Hortons Canada.
- Primary card $0
- Additional card $0
- Individual $0
- Household $0
- 2.5 %
-
Purchase Rates
26.99 %24.99 % (QC)
-
Cash Advance Rates
27.99 %
25.99 % (QC)
- Balance Transfer Rates —
- Groceries5Points
- Gas5Points
- Local Transport5Points
- Year 1 $299
- Year 2+ $249
- Grocery stores
- Daily transit
- Tims Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit