Reward earning
Confirm current reward earning with the issuer.
- Frais annuels
- 29,00 $
- First-year bonus value
- 0 $
- Récompenses annuelles nettes
- -29 $
- Valeur la première année
- 0 $
Based on typical spending of $2,000/month, after the annual fee. See the breakdown
0 of 3 selected
Détails de la carte
Frais annuels
Main card: 29,00 $
Additional cards: 0 $
Interest rates
Purchases: 13,99 %
Cash advances: 13,99 %
Annual income
No minimum published
Foreign transactions
Fee: À confirmer auprès de l’émetteur
Type de carte
Visa · Faible taux d’intérêt
Récompenses
Program: See issuer
Émetteur
Banque Scotia
- Eligibility not fully reviewed
L’approbation relève de l’émetteur.
What is this card worth to you?
Estimated first-year value
0,00 $
net annual rewards + first-year fee rebate
- Récompenses annuelles nettes
- -29,00 $
- Remboursement des frais la première année
- 29,00 $
Rewards in a typical year, after the annual fee
Annual fee waived or refunded in year one
Annual rewards breakdown
| Rewards earned in a year | 0,00 $ |
|---|---|
| Frais annuels | − $29.00 |
| Récompenses annuelles nettes | -29,00 $ |
Frais annuelsA category-by-category split isn’t available for this card yet.
Earning rates, caps and redemption options
- First-year bonus
- 0,00 $
- Récompenses annuelles nettes
- -29,00 $
- Valeur la première année
- 0,00 $
Redemption methods
- Standard point value—
| Spending category | Earning rate | Restrictions & Spending cap | Annual earning |
|---|
Offre de bienvenue
Check the issuer for current offer terms.Assumptions, restrictions & sources
Using typical spending. Annual rewards below are before the regular annual fee and exclude welcome offers.
Earning rates as published by the issuer.
Only the selected certified method is calculated. Optional travel assumptions appear separately and are not guaranteed redemption rates.
Restrictions, caps & redemption
- This low-interest card does not earn cash back or reward points.
- A student application option has separate eligibility requirements.
Regular annual fee: $29.00. The value ledger deducts applicable fees separately.
Points and miles remain in their native units unless a redemption method and point value have been approved for this calculation.
Issuer category definitions, earning limits and restrictions apply.
Insurance & benefits
- Travel medical: not included
- Trip cancellation: not included
- Trip interruption: not included
- Flight delay: not included
- Baggage: not included
- Rental car: not included
- Travel accident: not included
- Hotel burglary: not included
- Mobile device: not included
- Protection des achats: not included
- Garantie prolongée: not included
1 benefit
Discounts on eligible Avis and Budget rentalsInclus
Issuer terms (opens new tab)Not counted in this estimate
This card doesn’t include built-in insurance. The issuer’s page lists no travel, purchase or device coverage for it (checked 2026-10-16).
Issuer product pagePros & cons
Pros
- See the card details above
Cons
- Typical rewards don’t cover the annual fee
Sources & legal
Things to consider
- Confirm current fees, earning restrictions, membership requirements and terms with the issuer before applying.
Last verified: October 2, 2026.
What’s not included
Values don’t include interest charges, so they assume you pay your balance in full each month. Insurance and perks without a set dollar value are listed but not counted.
WalletReturn is an independent comparison site, not the card issuer. Values are estimates.
Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.
Verify the issuer’s current product terms before applying.
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