[Updated July 23, 2026] Earn $300, first-year annual-fee rebates for the primary and supplementary cards, and an extra $150 through the blog partner. Spend $2,000 in the first three months and receive 15% cash back, up to $300.
Apply through the referral link
Highlights
- 4% cash back on groceries and recurring payments, although the recurring-payment treatment is changing on October 22, 2026
- A Visa card with broad acceptance
- The annual fee can be waived with an eligible Scotiabank chequing account
- Useful insurance coverage
Welcome offer
The current offer is $300 plus first-year annual-fee rebates and an extra $150 cash reward. The 15% first-three-month rate applies to up to $2,000 in spending.
Previous offers
- $200, first-year primary and supplementary-card annual-fee rebates, and $100 through the blog partner; 10% cash back on the first $2,000 in three months.
Everyday cash back
The card earns elevated cash back on groceries and recurring payments. Recurring payments include scheduled bill payments, insurance premiums, utilities, memberships, and subscriptions. Other accelerated categories include gas, EV charging, transit, rideshare, food delivery, and food subscriptions.
Use the card with Chexy for rent and eligible bill payments, but check the current merchant-category rules before relying on the strategy.
The October 22, 2026 change is especially important for Chexy users: rent, condo fees, property tax, and income tax will no longer be treated as 4% recurring bills and will earn 1% instead. Utilities, car leases, insurance, childcare and education, phone, internet, and cable remain in the 4% group under the announced change.
Benefits and insurance
- Complimentary GigSky global mobile-data plan.
- Sandman hotel benefits.
- Troon Rewards benefits.
- Visa Infinite Luxury Hotel Collection.
- Visa Infinite Dining and Wine Country program.
- Rental-car discounts.
- Trip cancellation and interruption insurance when at least 75% of the trip is charged to the card.
- Emergency medical, flight-delay, delayed/lost baggage, travel accident, and rental-car collision/damage insurance.
- Purchase security, extended warranty protection, and mobile-device insurance.
Travel insurance details
- Trip cancellation and interruption: charge at least 75% of trip costs to the card to qualify.
- Emergency medical: coverage applies to eligible travel under the policy’s age and duration limits.
- Flight delay: charge at least 75% of the ticket; necessary hotel, meal, and emergency expenses may be reimbursed after the required delay.
- Delayed or lost baggage: charge the full ticket cost for eligible air, train, bus, or cruise travel.
- Travel accident: charge at least 75% of the ticket cost.
- Rental-car collision and damage: pay the full eligible rental cost and decline the rental agency’s waiver.
Purchase and device insurance
Purchase security and extended warranty protection cover eligible purchases, while the mobile-device benefit applies when the device and qualifying wireless payments are charged as required by the certificate.
