Scotiabank
Scotiabank Value Visa Card
4.0·Low interest on both purchases and cash advances
- Annual fee
- $29/yr
- Top reward
- No rewards
- Low interest on purchases AND cash advances
- Frequent 0% balance-transfer promos
low interestbalance transferno fee
MBNA True Line Mastercard review
4.1Rated by the CreditCardGuru Editorial Team
Not a rewards card — a debt-payoff tool. The low 12.99% purchase rate and 0% intro balance-transfer offer make it one of the best ways to tackle existing credit card balances.
At a glance
- Annual fee
- No annual fee
- Foreign tx fee
- 2.5%
- Network
- MASTERCARD
- Rewards
- cash back
- Purchase APR
- 12.99%
Rewards & earn rates
| RewardsNo rewards — built for low interest | 0% |
Pros & cons
Pros
- Low ongoing purchase rate
- 0% intro balance-transfer offer
- No annual fee
Cons
- Earns no rewards
- Balance-transfer fee applies
- Promo rate reverts after 12 months
Perks & insurance
Key perks
- 0% promotional interest on balance transfers (12 months)
- Low 12.99% purchase interest rate
- No annual fee
Insurance
- Mastercard zero-liability protection
Rates & fees
- Annual fee
- None
- Purchase interest
- 12.99%
- Cash advance
- 24.99%
- Foreign transactions
- 2.5%
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Last updated June 1, 2026Reviewed by CreditCardGuru Editorial Team