If you’re seeking convenience and value, look no further than the No-Fee Scotiabank Value® VISA card. With no annual fee and a low interest rate, your savings will add up quickly and you’ll be able to pay off your balances faster. You will receive a generous introductory interest rate on both cash advances and balance transfers. Plus, enjoy an interest-free grace period of at least 21 days after purchases. The credit card comes with other savings, such as a discount of up to 20% at participating AVIS car rental locations around the world. It’s easy to get instant cash advances at over 1 million ABMs—simply go to a Scotiabank branch and select a Personal Identification Number (PIN). You will also have access to Scotia® VISA Cheques, which can help you transfer balances from high-interest gas and retail credit cards. You can also use them to pay for insurance premiums, a large purchase, utility bills, or medical bills. With Visa’s Zero Liability Policy, you will owe nothing if unauthorized purchases are made with your account. It’s convenient to manage your account online, where you can view transactions and make payments. Additionally, you can choose to add on Scotia VISA Balance Protection.