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Mr. Loonie
Scotia® Home Hardware PRO Visa* Business Card

Scotia® Home Hardware PRO Visa* Business Card

Best for: Contractors and businesses that shop at Home Hardware

Your spending a month
What’s in each?
Solo:
Office supplies $100, shipping $50, phone and internet $150, software $150, online ads $200, gas $250, restaurants $200, travel $250, everything else (base rate) $1,050, foreign currency $100
Small team:
Office supplies $250, shipping $200, phone and internet $300, software $400, online ads $600, gas $500, restaurants $400, travel $400, everything else (base rate) $2,650, foreign currency $300
Growing:
Office supplies $500, shipping $600, phone and internet $600, software $1,000, online ads $2,000, gas $1,000, restaurants $800, travel $1,200, everything else (base rate) $6,300, foreign currency $1,000
Points you’d earn
15,000
points in the first year. We haven’t set a dollar value for them yet.
See how we worked it out
Welcome offer you’d get
15,000 points
The full offer. Up to 15,000 points.
Annual fee
None
Apply now on Scotiabank’s site (opens in a new tab)
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from Scotiabank’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

What you’d earn Welcome offer Can I get it? Fees Similar cards
From the numbers

The good and the bad

Stands out

  • Good: 1 point per $1 on home improvement
  • Good: No annual fee It costs nothing to keep.
  • Good: Welcome offer up to 15,000 points

Watch for

  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With small team spending of $6,000 a month.

We haven’t set a value for points yet, so the bars show points.

  • Office supplies $0
    No rate recorded $250 a month · $0 a year
  • Shipping $0
    No rate recorded $200 a month · $0 a year
  • Phone and internet $0
    No rate recorded $300 a month · $0 a year
  • Software $0
    No rate recorded $400 a month · $0 a year
  • Online ads $0
    No rate recorded $600 a month · $0 a year
  • Gas $0
    No rate recorded $500 a month · $0 a year
  • Restaurants $0
    No rate recorded $400 a month · $0 a year
  • Travel $0
    No rate recorded $400 a month · $0 a year
  • Everything else $0
    No rate recorded $2,650 a month · $0 a year
  • Foreign currency $0
    No rate recorded $300 a month · $0 a year
For you Year one Later years
Points you earn0 points a year, at ¢ each $0 $0
Welcome offer15,000 points you’d reach $0 $0
Annual fee $0 $0
Foreign currency fee2.5% on $3,600 a year −$90 −$90
Total — −$90

Rows are rounded to the dollar.

What counts in each category
Home improvement
1 point per $1 eligible business purchases at Home Hardware

Earn 1 point per $1 spent on eligible business purchases at Home Hardware

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the offer?

At $6,000 a month, here’s when you’d reach each step.

  1. 1

    15,000 points

    Spend $1,500 in your first 3 months.

    You’d reach it in month 1.

    • On purchases at eligible Home Hardware, Home Building Centre, Home Hardware Building Centre locations in Canada and online at homehardware.ca in the first 3 months

Offer ends Nov 30, 2026.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Extended warranty Included
  • Purchase protection Included
  • Visa SavingsEdge
  • Mobile wallets Apple Pay, Google Pay, Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read Scotiabank’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage, car rental damage and mobile device.

Fees and interest

What it costs

Annual fee
None
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
None
Cash advance fee
1%, Minimum of $5
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With small team spending. This card: — year one, −$90 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the Scotia® Home Hardware PRO Visa* Business Card?

There is no annual fee.

How much is the Scotia® Home Hardware PRO Visa* Business Card welcome offer worth?

15,000 points after you spend $1,500 in the first 3 months.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

Does it include insurance?

It lists extended warranty and purchase protection. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

15,000
points
Apply now on Scotiabank’s site (opens in a new tab)
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