Scotia® Home Hardware PRO Visa* Business Card
No Annual Fee Business Rewards

Scotia® Home Hardware PRO Visa* Business Card

Scotiabank® Scotiabank®
4.00/5 RateBuddy
Up to 7,500 bonus Scene+ points ($75 value), $0 annual fee and free extra cards. Conditions apply.
Welcome Bonus: Earn up to 7,500 bonus Scene+ points ($75 value) with qualifying Home Hardware purchases in your first 3 months. No annual fee. Conditions apply. Exp: Sep 30, 2026
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Annual Fee $0
Purchase APR —
Bonus Value $75

RateBuddy Verdict

RateBuddy Take
The Scotia Home Hardware PRO Visa Business Card is a practical choice for business owners who regularly purchase supplies from Home Hardware and want to keep annual card costs at zero. Free supplementary cards and Visa Spend Clarity help bring employee spending into one manageable account, while Scene+ points add value to eligible Home Hardware purchases. Purchase security, extended warranty protection and participating merchant discounts provide useful supporting benefits. Its appeal is strongest when Home Hardware is already part of your business spending routine. The earning structure is focused on eligible Home Hardware purchases, so broader spending will not earn the same standard card rewards. Borrowing costs also depend on Scotiabank Prime and your approved adjustment factor. For businesses that value those specific purchasing and expense-management benefits, it offers a straightforward account without an annual fee.
The Good
  • No annual fee for the primary or supplementary cards helps keep ongoing card costs predictable as employees make business purchases.
  • Earn Scene+ points on eligible Home Hardware spending, with a welcome bonus available when the offer’s purchase requirements are met.
  • Visa Spend Clarity, Visa SavingsEdge, purchase protection and car-rental discounts add practical support beyond the rewards program.
The Trade-offs
  • Standard card rewards are limited to eligible Home Hardware purchases, reducing its appeal for businesses that spend mainly elsewhere.
  • Interest varies with prime and the approved adjustment factor, while a 2.5% foreign-currency fee adds to the cost of overseas purchases.

Rewards & Earnings

Base Rate 0%
Rewards Summary: Earn 1 Scene+ point per $1 on eligible business purchases at participating Home Hardware merchants. Standard card points are not earned on other purchases. Redeem through available Scene+ options; redemption values and conditions vary.

Welcome Bonus Details

Open an eligible new account between July 1 and September 30, 2026. Have $1,000 in eligible purchases at Home Hardware, Home Building Centre, Home Hardware Building Centre locations in Canada or homehardware.ca posted within your first three months. Plus, prime-linked pricing may offer lower borrowing costs. Terms and conditions apply.

Estimated Value: $75
Expires: Sep 30, 2026

Features & Benefits

No Annual Fee
Extended Warranty Insurance
Purchase Security Insurance
Expense Management Tools
Employee Cards

Additional Perks

No annual fee, free supplementary cards, prime-linked pricing and practical business expense tools. Additional benefits include Visa SavingsEdge, eligible Shell fuel savings, Scotia SelectPay and participating car-rental discounts. Conditions apply.

Insurance Coverage

Purchase security and extended warranty cover eligible items paid in full with this card. A $10,000 per-claim occurrence limit and $60,000 lifetime limit apply across the plans. Conditions and exclusions apply. Optional Scotia Business Loan Protection is separate.

Rates, Fees & Eligibility

Purchase APR—
Cash Advance APR—
Annual Fee$0
Supplementary Card Fee$0
Foreign Transaction Fee2.50%
Grace Period21 days
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

No Annual Fee Business Rewards
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