ScotiaGold Passport VISA Card
Annual Fee
$110.00
Interest Rate
19.99%
Balance Transfer
22.99%
Cash Advance
22.99%
Credit Score
Good
Rewards
5.00%*
- Earn 1 Scotia Reward points on every $1 spent
- Book your travel through Scotia Rewards Travel Service and earn 5% cash back on the cost of your trip.
- Use your Card and book travel through Scotia Rewards Travel Service, our full-service travel agency.
- Redeem for travel anywhere, anytime, with no travel restrictions.
- Access to special offers, merchandise, rewards and more
- Travel with confidence on every trip with our comprehensive travel insurance coverage
- You can convert your Scotia Rewards points to SCENE or your SCENE points to Scotia Rewards points instantly, anytime you want.
- Save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S.
- Travel Emergency Medical Insurance: coverage is provided for eligible persons under age 65 for up to 31 consecutive days.
- Trip Cancellation/Trip Interruption Insurance: coverage is provided for eligible persons under age 65.
- Rental Car Collision Loss Damage Insurance: charge the full cost of your eligible rental car to your card and you’re automatically insured if your rental is damaged or stolen.
- Delayed and Lost Baggage Insurance: charge the full cost of your airplane, train, bus or cruise ship tickets to your Card. If your checked luggage is delayed or lost – you’re covered.
- Travel Accident Insurance: charge at least 75% of your ticket cost to your Card and you’re insured against accidental loss of life or dismemberment.
- Hotel/Motel Burglary Insurance: use your Card to pay for your stay at any hotel or motel in Canada or the U.S.
To apply for a Scotiabank credit card you must:
- Be a Permanent Resident or a Foreign Worker with at least 6 months left on your permit
- Have reached the age of majority in your province/territory
- Not have declared bankruptcy in the past seven years
- Have a Canadian address
Summary
The Scotiabank Gold American Express Card is a travel card that gives you comprehensive travel coverage, and the ability to earn cash back on the cost of your trip. Earn 1 Scotia Rewards point on every dollar spent with your card.
Our Review
ScotiaGold Passport VISA Card
The Scotiabank Gold American Express Card is a travel card that gives you comprehensive travel coverage, and the ability to earn cash back on the cost of your trip as well as on everything else. You can earn 1 Scotia Rewards point on every dollar spent with your card, as well as 5% cash back if you book travel through the Scotia Rewards Travel service. The card also offers an extensive suite of travel insurance coverage. However, the $110 annual fee seems pretty steep relative to what this card offers- there are definitely more advantageous travel cards out there.
As per our rating system, this card scored 18/25 on rewards, 16/25 on interest rates and balance transfers, 17/25 on perks and insurance, and 20/25 on annual fees. Therefore, the total smart score of this card is 71/100.
Pros
- Earn 1 Scotia Reward points on every $1 spent
- Book your travel through Scotia Rewards Travel Service and earn 5% cash back on the cost of your trip.
- Redeem for travel anywhere, anytime, with no travel restrictions.
- Access to concierge service.
- Save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S.
- Extensive travel insurance coverage.
Cons
- Annual fee of $110
- Relatively small earnings rate of 1 Scotia Reward point per dollar spent on all purchases.
- American Express is not accepted everywhere.