While a new year is usually filled with hope for the great things that could be coming, there is also an element of worry. After all, you probably have some lingering debt from the holidays.

If you are looking for a little pick-me-up, consider a great $100 gift card from Rate Supermarket.ca and Scotiabank. Apply for any one of three cards, and you can choose a $100 gift card, as well as be entered to win $1,200.

Which Scotiabank Credit Cards are Involved?

There are three credit cards involved, all of them from Scotiabank. You can choose which card would best meet your current financial needs. Here are the three options:

  • Scotia Momentum VISA Infinite Card: This is a fairly generous cash back card. You can receive up to 4% cash back on gas and grocery, and up to 2% cash back on recurring payments. You get 1% cash back on all other purchases. Perfect if you are looking for a rewards credit card.
  • Scotiabank Value VISA Card: If you are looking to transfer your balances to pay down debt, this can be the right card for you. For the first six months you receive a 0.99% rate on your balance. After that, the regular rate is 11.99%.
  • Scotiabank Gold American Express Card: This credit card is perfect for the frequent traveler. Your first purchase gets you a 20,000 point bonus, which is the equivalent of a $200 travel credit. This is on top of the $100 gift card you get as part of the promotion.

The $100 gift card comes from one of four businesses: bon appétit, Chapters Indigo, Starbucks, and Future Shop. You can also enter the giveaway to try and win $1,200. If you want to qualify for the giveaway, you have to complete one of the credit card applications.

Getting the Free $100 Gift Card

You have to apply for one of the three credit cards, and get accepted. You also have to make sure you go through the site. If you complete your application over the phone, you will be ineligible for the $100 gift card. As soon as you are approved and receive your new credit card, you will have to get on the Internet and confirm the last four digits of your card. Once that is done, and you have confirmed everything, you will be sent your $100 gift card.

The promotion is running through 11:59 p.m. Eastern, February 28, 2013.

Is It Worth It?

The deal offered by Supermarket.ca is a fairly good one. Not only do you get $100 in a gift card, but you also get access to some credit cards with pretty decent benefits. It's worth the trouble to go through the application if you have good credit and are fairly certain you will qualify for the card. If you are rejected, though, you won't get the $100 gift card.

Make sure that you read the fine print before you go through the process, though. You need to understand the fees, rates, and terms of the credit card before you apply. If you are sure that you understand the details, go ahead. $100 is always nice to have, and you could win $1,200 to boot.

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