This post is sponsored by Scotiabank, though the views and opinions expressed in it are purely our own.
Shopping for your business needs just got a whole lot better with the Scotia Home Hardware PRO Visa Business Card. Unlike other store credit cards, this card offers flexible financing options, Scene+™ points, and a wide variety of rewards tailored to contractors and small business owners.
Plus, with Home Hardware's extensive range of high-quality products, expert advice, and convenient locations, you'll have everything you need to succeed right at your fingertips.
Here are 5 reasons why every contractor or small business owner in the home improvement industry should consider adding this credit card to their wallet.
$100 GeniusCash + Up to 15,000 bonus points + No annual fee.
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Key Takeaways
- Earn Scene+ points at Home Hardware and spend them on dining, entertainment, shopping, travel, groceries, tools, statement credits, and more.
- Enjoy a variable interest rate with 21-day grace period.
- Get supplementary cards at no charge and with no annual fees.
- Benefit from purchase protections and extended warranties.
- Enjoy business and analytics tools, plus valuable savings programs provided by Visa.
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1. Scene+ points and rewards
As the name suggests, the Scotia Home Hardware PRO Visa Business Card is a rewards credit card geared to contractors and home improvement small business owners who make regular trips to Home Hardware. Shopping at any one of these stores will net you 1 Scene+ point per $1 spent:
- Home Building Centre
- Home Furniture
- Home Hardware
- Home Hardware Building Centre
- homehardware.ca
You can check your Scene+ points balance and redeem rewards at any time through sceneplus.ca or the Scene+ mobile app.
Scene+ points rewards are incredibly flexible. With multiple ways to spend your points, there’s a little something for everyone:
- Building supplies: 1,000 points = $10 off at the checkout at Home Hardware
- Entertainment: 500 points = $5 off food and fun at The Rec Room or Playdium
- Groceries: 1,000 Scene+ points = $10 towards grocery purchases at participating stores
- Movies: 100 points = $1 off movie tickets, concessions stand food and drinks, or the Cineplex Store
- Pharmacies: 1,000 points = $10 off at participating pharmacies
- Restaurants: 500 points = $5 off in-person dining, drive-thru, or take-out at participating restaurants
- Travel: 100 points = $1 towards flights, hotels, or rental cars on the Scene+ Travel, Powered by Expedia website – and you still earn Scene+ as if they were regular purchases!
- Statement credit: Redeem your Scene+ points for money towards your credit card balance
2. Sky-high spending limits
With the Scotia Home Hardware PRO Visa Business Card, you might never need to ask for another credit card limit increase again. Unsecured cards qualify for up to $150,000 of credit while secured credit cards can accommodate up to a whopping $500,000.
Supplementary cards come at no charge and with no annual fees. Plus, every purchase made at Home Hardware on a secondary card adds Scene+ points to the account of the primary cardholder.
3. Insurance coverage
There are two optional Business Loan Protection Insurance bundles:
- Basic protection provides a life insurance benefit of up to $2,000,000 for each insured person
- Comprehensive protection packages life insurance with disability, hospitalization, and terminal illness benefits
Every Scotia Home Hardware PRO card also comes with a Certificate of Insurance and two types of coverage on most purchases.
- Purchase security will repair or replace stolen, damaged, or burnt goods within 90 days
- Extended warranty protection adds up to 1 year to the manufacturer’s original written warranty
4. Visa Business benefits
Visa business cardholders receive a competitive set of benefits, including:
- 24/7 Worldwide Emergency Cash Service
- 24/7 Lost or stolen card reporting
- Contactless Visa payWave technology
- Google Pay, Samsung Pay, and Apple Pay support
- Worldwide Emergency Card Replacement Service
- Zero Liability for unauthorized transactions
The Scotia Home Hardware PRO Visa Business Card also comes with two major advantages for small business owners: Visa Spend Clarity for Business and Visa SavingsEdge*.
Visa Spend Clarity for Business provides an interactive dashboard with spend insights, the ability to control employee card spending, customizable transaction categories, real-time alerts and notifications. Once you register, you can log receipts using your smartphone and export spending reports to Intuit QuickBooks, Sage Business Cloud, and Xero.
The Visa SavingsEdge program offers three ways to save. You’ll enjoy lower rates at partner hotel chains in Canada or the US – everything from Super 8 to the Monte Carlo!
Simply using your card unlocks Everyday Savings Offers at rental car agencies, Google Ads, Microsoft, UPS, and more. Finally, you can take $100 off at Amazon Business, $200 at YellowPages, or up to $4,299 off at Shopify using Instant Savings promo codes.
5. Variable interest rates and flexible financing
The Scotia Home Hardware PRO Visa Business Card gives you a 21-day grace period to pay off your monthly statement balance. If you cannot pay your full statement balance by the due date, you’ve got a variable interest rate credit card that’s tied to the Scotiabank Prime Rate, which currently sits at a modest 7.2%.
Enjoy the flexibility of buying now and paying little by little with the Scotia SelectPay™ installment plan. Here’s how it works:
- Repay eligible purchases in monthly installments over a 3, 6, or 12-month period
- Low interest rates starting at 5.99% for 3 months and no installment plan fees
- Finance any eligible purchase of $100 or more (including taxes)
- Hassle-free with no credit checks needed
Log into online banking 3 to 5 business days after shopping, click on "Eligible Purchases", and select the transaction. Pick your SelectPay plan, review the terms, and then agree. That’s it!
By using a Scotia SelectPay plan instead of carrying a balance on your credit card, you can avoid paying higher credit card interest.
FAQ
Can I earn Scene+ points if I use the Scotia Home Hardware PRO Visa Business Card at other stores?
You can only earn Scene+ points at Home Hardware and affiliated stores using the Scotia Home Hardware PRO Visa Business Card.
Do I have to have a registered business to apply for the Scotia Home Hardware PRO Visa Business Card?
Your business must be registered before you can apply for the Scotia Home Hardware PRO Visa Business Card online, but other businesses can still apply by booking an appointment with a Small Business Advisor.
Do Scene+ points expire?
Your Scene+ account may be closed if you don’t use your Scene+ Membership Card to earn, redeem, or complete any other reward transaction activity in more than 24 consecutive months. But if you have a Scene+ Scotiabank Product, your Scene+ points will not expire as long as your Scotiabank product that is eligible for the Scene+ program remains open.
You will receive advance notice if your account is ever at risk of being closed.
Is Scene+ free to join?
Joining the Scene+ program, getting a Scene+ card, and redeeming rewards in the Scene+ mobile app is free.
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