Credit cards in The Bahamas
Compare credit cards in The Bahamas
We compare Scotiabank Visa Classic with Bank of The Bahamas Visa Classic using official Bahamian product and fee documents. Values are shown in Bahamian dollars (BSD); missing card-specific values remain not stated.
Data is manually reviewed each month. Current issuer documents prevail.
| Feature | Scotiabank BahamasVisa Classic | Bank of The BahamasBOB Visa Classic |
|---|---|---|
| Product type | Credit card | Credit card |
| Currency | BSD | BSD |
| Credit limit | Not statedSource: Scotiabank Bahamas: Credit card rates and fees | Lower credit limit; amount not stated publiclySource: Bank of The Bahamas: Credit cards |
| Purchase / cash rate | 19%–21% on purchases and balance transfers; cash rate is 2.5%–3.0% higherSource: Scotiabank Bahamas: Credit card rates and fees | Not stated publiclySource: Bank of The Bahamas: Credit cards |
| Interest-free period | At least 21 days for qualifying purchases when the statement balance is paid in full; no grace period for cash advancesSource: Scotiabank Bahamas: Credit card rates and fees | Not stated publiclySource: Bank of The Bahamas: Credit cards |
| Minimum payment | 3% of outstanding balance; minimum BSD 25Source: Scotiabank Bahamas: Credit card rates and fees | Not stated publiclySource: Bank of The Bahamas: Credit cards |
| Monthly fee | Not statedSource: Scotiabank Bahamas: Credit card rates and fees | Not stated publiclySource: Bank of The Bahamas: Credit cards |
| Annual fee | BSD 38.50Source: Scotiabank Bahamas: Credit card rates and fees | BSD 38.50 primary; BSD 27.50 secondarySource: Bank of The Bahamas: Credit cards |
| Cash advance fee | 3.37% of cash advance; minimum BSD 3.37Source: Scotiabank Bahamas: Credit card rates and fees | 3% of cash advance; minimum BSD 5.00Source: Bank of The Bahamas: Credit cards |
| Balance transfer fee | Not statedSource: Scotiabank Bahamas: Credit card rates and fees | Not stated publiclySource: Bank of The Bahamas: Credit cards |
| Rewards / benefits | Not stated for Visa ClassicSource: Scotiabank Bahamas: Credit card rates and fees | Not stated for Visa ClassicSource: Bank of The Bahamas: Credit cards |
| Insurance and benefits | Optional credit-life protection where availableSource: Scotiabank Bahamas: Credit card rates and fees | Travel accident insurance up to BSD 75,000Source: Bank of The Bahamas: Credit cards |
| Basic conditions | Subject to Scotiabank Bahamas assessment and approval. | Subject to Bank of The Bahamas assessment and approval. |
| Availability | The Bahamas; Scotiabank Bahamas. | The Bahamas; Bank of The Bahamas. |
Our recommendation
Scotiabank Visa Classic publishes a 19%–21% purchase and balance-transfer rate, a 3% minimum payment with a BSD 25 minimum, and at least 21 days interest-free for qualifying purchases. Bank of The Bahamas Visa Classic may suit applicants who prefer the local BOB card and publishes a lower annual membership fee, but confirm its current rate and payment terms before applying.
Our methodology
- We use official issuer product pages, fee schedules and card terms available for The Bahamas.
- We do not estimate limits, rates, minimum payments or benefits not stated for the named card.
- The current issuer schedule, card agreement and applicable Bahamian requirements prevail; data is reviewed monthly.
More information
Frequently asked questions
Which cards are compared?
Scotiabank Visa Classic and Bank of The Bahamas Visa Classic.
What currency is used?
The reviewed issuer documents quote fees in Bahamian dollars (BSD).
What should I check before applying?
Check the approved limit, purchase and cash rates, annual fee, minimum payment, cash advance fee, rewards, insurance and eligibility.
Official sources
Scotiabank Bahamas — Visa Classic
Reviewed: 2026-07-23
- Scotiabank Bahamas: Credit card rates and fees — official rates, fees and card terms
Bank of The Bahamas — BOB Visa Classic
Reviewed: 2026-07-23
- Bank of The Bahamas: Credit cards — official product benefits and card types
- Bank of The Bahamas: Schedule of Fees effective June 2025 — official card fees
Important information
This is an editorial comparison, not a credit offer or financial advice.
Rates, fees, limits and approval depend on the issuer and individual assessment.