Pros & Cons
Pros
- Welcome Bonus: 15,000 points
- Purchase protection included
- No annual fee
Cons
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Our Review
With the Scotia Home Hardware PRO Visa* Business Card, you can earn up to 15,000 bonus Scene+ points in the first year (that’s up to $150 in rewards) by making at least $1,500 in purchases at Home Hardware within the first 3 months of membership.
With this card, you earn 1 Scene+ point for every dollar of eligible business purchases at Home Hardware, redeemable for business rewards such as business travel, home renovations, entertainment, groceries, gift cards, technology or statement credits.
With the Scotia® Home Hardware PRO Visa* Business Card, you benefit from a 21-day interest-free grace period on new purchases, savings on purchases with Visa SavingsEdge, and up to 25% off AVIS and Budget car rentals.
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Fees and interest rates
- Annual Fee$0
- Additional card fee$0
Terms & Conditions
Card Features
Receive up to 15,000 bonus Scene+ points for the first three months (up to $150 in rewards) when you spend at least $1,500 in eligible purchases at Home Hardware, Home Building Centre and Home Hardware Building Centre locations in Canada and online at homehardware.ca (accounts opened between October 1 and November 30, 2026).
- Earn Scene+ points at Home Hardware and redeem with any Scene+ rewards partner.
- Earn 1 Scene+ point for every $1 spent on your card for eligible business purchases at Home Hardware.
- Redeem your Scene+ points on what you want for your business – business travel, office improvements, entertainment, groceries, gift cards from 60+ brands, tech, and even account credits.
- Use at any retailer where Visa is accepted.
- Manage your cash flow with a 21-Day interest free grace period on new purchases.
Visa* SavingsEdge
One great program – two paths to savings on your everyday business purchases with Visa SavingsEdge:
- Everyday Savings Offers: automatically available after you enroll, requiring no coupons or codes and are applied as statement credits on enrolled Visa Business cardholder’s future account statements.
- Instant Savings Offers: savings applied to your cart using a promotion code prior to making a qualifying purchase on a participating merchant’s website.
It’s free to join. Visit Visa SavingsEdge to enroll your eligible business and learn more.
Save on car rentals
- As a Scotia Home Hardware PRO Visa Business cardholder, you can save up to 25% off base rates at participating AVIS locations Worldwide and at participating Budget locations in Canada and the U.S. when you pay with your Scotia Home Hardware PRO Visa Business card.
Save time at the checkout
- Tap your Scotia Home Hardware PRO Visa Business Card or your mobile wallet for quick easy payments.
- Visa payWave* – Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!
- Click to Pay – Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.
- Also, use your phone to make on-the-go payments with: Google Pay, Samsung Pay, Apple Pay.
Savings at Shell
- Get up to 10¢/L in value on fuel purchases at Shell with your card linked to a Shell Go+ Account (instant discounts and Scene+ points value; the maximum assumes a V-Power premium fuel purchase and includes a promotional 5¢/L discount available until June 1, 2027)
- Limited time: until December 31, 2026, get an additional 3¢/L off at Shell when you pay with your linked card in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba and the Northwest Territories (excluding Shell Flying J locations)
Insurance Coverage
- Purchase Security Extended Warranty Protection
- Optional Scotia Business Loan Protection Insurance
Legal
*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.
Additional 3¢/L at Shell (limited time)
Additional 3¢/L Fuel Discount Offer: Offer valid from October 5, 2026 to December 31, 2026 (“Promotional Period”), eligible Scotiabank credit and debit cardholders enrolled in the Shell Fuel Benefits Program who have linked an eligible Scotiabank payment card (an “Eligible Card”) to their Shell Go+ account will receive an additional instant fuel discount of 3 cents per litre on eligible fuel purchases at participating Shell-branded retail locations in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, and the Northwest Territories (the “Eligible Provinces”) excluding Shell Flying J locations. Fuel purchases made outside the Eligible Provinces are not eligible for this offer.
To receive the additional fuel discount, customers must pay with their linked Eligible Card at the time of purchase.
The additional fuel discount is in addition to the fuel savings available through the Shell Fuel Benefits Program and may be combined with other eligible fuel discounts, rewards programs, and promotional fuel offers unless otherwise stated in the applicable offer terms and conditions.
The additional fuel discount is available on up to 1,000 litres of eligible fuel purchases per calendar month for each Eligible Card. The 1,000-litre limit resets at the beginning of each calendar month.
The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.
Participation in the Shell Fuel Benefits Program is subject to the applicable program terms and conditions available at Scotiabank Fuel Benefit Terms and Conditions.
Shell Canada reserves the right to make changes to this offer and to terminate the offer at any time, for any reason and without notice.
All other applicable terms and conditions of the Shell Fuel Benefits Program, Shell Go+ and Scotiabank continue to apply.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Un Accro du Voyage may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Scotiabank. All trademarks are property of their respective owners.
