The Bank of Nova Scotia features standard and specialty financial services, total equity plans and loans, mutual funds and high interest savings accounts, and credit cards. There are business and personal cards by Visa and AMEX that go with attractive rates, cash back, and other benefits.
Scotiabank features cards by American Express and Visa and offers perks such as travel benefits, special promotions, extended interest-free periods, and many others. Points are redeemable for merchandise such as disc players, briefcases, home entertainment systems, bangles and necklaces, LED smart TVs, and other merchandise. Participating merchants also offer rewards such as dinnerware sets and casseroles, wine gift sets, 4-slice toasters, electric slow cookers, and other 
kitchen appliances and items. Merchants offer plenty of rewards, including training bikes, travel gear, and other merchandise. A training bike, for example, requires 226,400 points. There are plenty of recreational items and electronics to choose from, from wireless keyboards to Bluetooth speakers. The bank also offers a newsletter that features special offers and rewards.Clients can also choose from a selection of specialty cards that feature points on entertainment, dining, and shopping. Many cards go with premium features such as personalized welcome amenities and early check-in. Customers enjoy exclusive access to experiential tours, seating at high-end restaurants, and winery tours. Customers are also offered lounge access with conference space and complimentary refreshments and snacks.
The Bank of Nova Scotia offers handy online tools that allow holders to redeem points, transfer funds, request a higher credit limit, and more. It is easy to request supplementary Scotiabank credit cards online, and no fees apply on additional
- No-Fee ScotiaGold Visa,
- Scotiabank Value Visa, and
- Scotia Momentum No-Fee Visa cards .
There is an option to transfer existing retail and gas card balances. Some cards go with an introductory rate that is as low as 0.99 percent. The bank measures cash advance ATM and counter fees, balance transfer and currency conversion fees, and inactivity fees. Customers who fail to meet the monthly payments are assessed penalty interest.
Scotiabank features specialty cards for business owners, including cards with up to 3 percent cash back. There are cards that earn cash rebates on utilities, phone bills, and purchases. Business cards also feature benefits such as unrestricted travel options. Secured credit cards are also offered, for example, ScotiaGold Passport which goes with credit and investment vouchers, gift certificates, brand-name merchandise, and unrestricted and flexible travel options. Added benefits include travel assistance and free checks to pay utility, dental, and mental bills, policy premiums, and other expenses.