About ScotiaGold Passport® Visa Card
A ScotiaGold Passport® Visa Card is a credit card with regular interest rates allowing you to earn cash back and Scene+™ reward points on the purchases you make. Along with that, a ScotiaGold Passport® Visa Card features benefits from Scotiabank’s partners and extensive insurance coverage.
Occasionally, Scotiabank features special offers for a ScotiaGold Passport® Visa Card. With such offers, you can earn greater amounts of Scene+™ reward points when you meet the minimum spending requirements within a certain period.
ScotiaGold Passport® Visa Card features
A ScotiaGold Passport® Visa Card features an interest rate of 19.99% on purchases and 22.99% — on cash advances. To use all the benefits offered by this card, you will have to pay a $110 annual fee. Issuing supplementary cards will cost you $30 per year per card.
The minimum credit limit provided by a ScotiaGold Passport® Visa Card is $5,000.
For every dollar spent with your ScotiaGold Passport® Visa Card, you earn 1 Scene+™ reward point. With special offers in place, you can speed up the collection of Scene+™ rewards points if you meet the minimum spending requirements within a given period.
Whenever you make travel purchases through Scene+ Travel with your ScotiaGold Passport® Visa Card, you get 5% cash back on the amount you’ve spent on your trip.
You can redeem the Scene+™ reward points you’ve earned in a variety of ways:
Shopping at participating grocery stores, retailers, and pharmacies
Making purchases at Cineplex movie theaters and online store
Booking travels through Scene+ Travel
Ordering meals and drinks at participating dining locations
Buying games, food, music, and tickets at the Rec Room and Playdium
Making an account credit to participating Scotiabank debit and credit cards
ScotiaGold Passport® Visa Card holders can save up to 25% on car rental rates at participating AVIS and Budget locations in Canada and the U.S.
The insurance coverages included in a ScotiaGold Passport® Visa Card are travel emergency medical insurance, rental car collision loss or damage insurance, delayed and lost baggage insurance, travel accident insurance, hotel or motel burglary insurance, purchase security, and extended warranty protection.
A ScotiaGold Passport® Visa Card qualifies for the Scotia SelectPay™ program, so you can divide the outstanding balance from eligible credit card purchases starting from $100 into 3, 6, or 12 fixed monthly installment payments. With your SelectPay installment plan, you will pay a total fee of 2% and zero interest.
Pros and cons
Let’s look outline the benefits of a ScotiaGold Passport® Visa Card:
Both cash back and Scene+™* reward-earning opportunities
Interest-free grace period
Discounts for car rentals at AVIS and Budget
Extensive insurance coverage
Eligibility for Scotia SelectPay™
Still, there are certain drawbacks to keep in mind:
A $110 annual fee
The lack of trip cancellation, trip interruption, and flight delay insurance
Minimum annual income requirements to apply
How to apply for a ScotiaGold Passport® Visa Card
According to the website, Scotiabank no longer accepts applications for ScotiaGold Passport® Visa Cards. The information about this credit card is solely for existing cardholders.
| What types of purchases made through Scene+ Travel qualify for earning 5% cash back? | You can earn 5% cash back when making the following types of purchases through Scene+ Travel: buying flight tickets, paying for car rentals, and booking hotels. |
| What is the interest rate for balance transfers with a ScotiaGold Passport® Visa Card? | The interest rates for balance transfers, Scotia® Credit Card Cheques, and cash-like transactions equal the interest rate for cash advances, which is 22.99%. |
| Is a ScotiaGold Passport® Visa Card safe from fraudulent transactions? | Just like with other Visa cards, the Visa Zero Liability policy ensures the protection of your ScotiaGold Passport® Visa Card from unauthorized use and eliminates your liability for fraudulent transactions. |
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