The Scotia Home Hardware PRO Visa Business Card is a specialized business credit card from Scotiabank that earns Scene+ points on Home Hardware purchases. Though it seems very niche in that it would benefit construction contractors more than others, some other benefits make it stand out a bit more against the competition.

Here are the details on this card.

Pros of the Scotia Home Hardware PRO Visa Business Card

In terms of rewards, you'll earn 1 point per $1 spent at Home Hardware. This is excellent for building contractors because you'll be able to rack up points quickly, plus redeem them for max value at the same store.

Other than earning Scene+ points, there are a few other benefits that this card carries.

1. Big welcome bonus

The welcome bonus is decently hefty and pretty easy to earn. You'll get 15,000 Scene+ points after spending $1,500 at Home Hardware stores. That's worth $150, which equates to a total return of 10%.

2. Access to VisaSavings Edge

Visa SavingsEdge is a program for business Visa credit cards where you can save money on purchases across their partner platforms.

You'll unlock both everyday savings by having the card, plus exclusive promos that you can get coupon codes for.

3. Discounts on car rentals

With the Scotia Home Hardware PRO Visa Business Card, you'll be able to save on car rentals. You can get up to 25% at both AVIS (worldwide) and Budget (U.S. and Canada). This feels like a little extra thrown in since contractors will not be the most likely to rent cars, but it could save you some money on your next holiday.

4. Scotia SelectPay

Scotia SelectPay is a buy now pay later installment plan offered on Scotiabank Visa cards. On purchases of $100 or more, you can break your payment into manageable chunks with a low interest rate. This can be done either during checkout or afterward, which can make larger business investments more manageable and give you the tools to scale your business sooner.

5. Free supplemental card

If you have another person who helps with your business, it'd be good to get them a card, as well. The Scotia Home Hardware PRO Visa Business Card gives you a supplemental card free of charge for added convenience.

6. No annual fee

One last perk to tie them all up is the fact that this card has no annual fee. This can save your business some money or make the Scotia Home Hardware PRO Visa Business Card a nice complementary card to a higher-earning one in your wallet.

Con of the Scotia Home Hardware PRO Visa Business Card

This card has a lot of great features but there’s one big downside: its rewards program is focused on only one store. You can only earn Scene+ points from Home Hardware, so shopping anywhere else won’t help you score any rewards.

If you’re a contractor who shops at Home Hardware a lot, this card might be a good option. But for your other expenses, you're better off using another card – at least as a supplement to this one.

Comparison to other no fee business credit cards

There aren't many business credit cards with no annual fee so here’s a comparison of the other two we cover.

	Scotia Home Hardware PRO Visa Business Card	BMO AIR MILES No-Fee Business Mastercard	BMO CashBack Business Mastercard
Rewards	* 1 point per $1 spent at Home Hardware	* 1 mile per $20 spent on all purchases * 1.25 miles per $20 spent at Shell	* 1.75% cash back at Shell * 1.5% cash back on gas, office supplies, and cellphone/internet bills * 0.75% cash back on all other purchases
Welcome bonus	$100 GeniusCash + Up to 15,000 bonus points (terms)	2,000 bonus miles (terms)	$100 GeniusCash + 10% cash back on gas, office supplies, and recurring cell phone/internet bill payments for the first 3 months (terms)
Perks	* Visa Savings Edge * Car rental discounts * Scotia SelectPay	* Cardholders can pool AIR MILES	* Balance transfer promo of 0% for the first 9 months (3% fee)
Insurance	2 types	2 types	2 types

At a maximum 1% rate of return, the Scotia Home Hardware PRO Visa Business Card outearns the BMO AIR MILES No-Fee Business Mastercard (which maxes out at 0.79375%). Both are outclasses by the BMO CashBack Business Mastercard, which tops out at 1.5%.

The welcome bonuses are a bit closer, with the BMO CashBack Business Mastercard also coming out on top with $160 in value.

The perks, however, tell a different story. The BMO AIR MILES No-Fee Business Mastercard lags behind in that it doesn't offer much that the others don't already have. But now the choice is between a greater number of perks with the Scotia Home Hardware PRO Visa Business Card or a very strong balance transfer offer with the BMO CashBack Business Mastercard. If you have a balance on your credit card, you can save a ton of money (and earn more in the long run) by going with BMO.

All that aside, a lot of this comes down to where you shop. If you walk the aisles of Home Hardware often for your company and you’re only looking for one card, the Scotia Home Hardware PRO Visa Business Card is a good option.

Your thoughts on the Scotia Home Hardware PRO Visa Business Card

Is your business suited to get this Home Hardware hero or is this too niche of a card? We'd love to hear your thoughts – especially if you work in an industry that shops at Home Hardware.

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FAQ

Does the Scotia Home Hardware PRO Visa Business Card offer any benefits?

Yes, there are a lot of benefits, including discounts at Visa's partner retailers, car rental discounts at AVIS and Budget, and the ability to make large purchases in installments.

Does the Scotia Home Hardware PRO Visa Business Card charge any fees?

There is no annual fee for the Scotia Home Hardware PRO Visa Business Card. You'll also be eligible to get a free supplementary card.

Is the Scotia Home Hardware PRO Visa Business Card worth it?

The biggest hangup for the Scotia Home Hardware PRO Visa Business Card is that you can only earn rewards points at Home Hardware. If you shop anywhere else, you won't earn anything.