• Earn 5,000 bonus Scotia Rewards points upon your first purchase◊
• Earn 1 Scotia Rewards point for every $1 you spend on eligible everyday purchases
• 5% cash back on travel purchased through Scotia Rewards
Flexible Point Redemption
• Rates, fees and other information are effective as of March 2, 2020. Subject to change.

• 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)◊
• Cash back with low annual fee
• 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
• 1% cash back on all other eligible everyday purchases
• Rates, fees and other information are effective as of March 2, 2020. Subject to change.

• 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)◊
• Cash back on everyday spending with no annual fee
• 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
• 0.5% cash back on all other eligible everyday purchases
• Rates, fees and other information are effective as of March 2, 2020. Subject to change.

• First year annual fee waived◊
• Get closer to your new car with up to 5% in GM Earnings
• Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter
• $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
• No earning or redemption caps
• Rates, fees and other information are effective as of March 2, 2020. Subject to change.

• Get closer to your new car with up to 5% in GM Earnings
• Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
• $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
• No earning or redemption caps
• Rates, fees and other information are effective as of March 2, 2020. Subject to change.