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ScotiaGold Passport® Visa card review

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Advertiser Disclosure

Interest Rate: Purchases
Balance Transfer
5% cashback
Signup Bonus

Informr score
The ScotiaGold Passport® Visa card currently has an Informr score of 8.1 out of 10. This score is based on our evaluation of 5 sources including reviews from users and the web's most trusted critics.

Am I eligible?

ScotiaGold Passport® Visa card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). 19 in all other provinces.
Yes Be a permanent or temporary resident of Canada
Yes Have a minimum personal income of $12000.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

Hustler MoneyBlog

You can earn 1X reward point on every $1 spent on your card, and earn up to 5% cashback on the cost of your trip when you book your travel through Scotia Rewards Flexible Point Redemption. Enjoy redeeming your points for travel with no restrictions on destination or dates. New cardholders will also...

- Bryan Huynh, Hustler MoneyBlog
Money We Have

The benefits offered for the price of the annual fee just doesn’t seem worth it to me. If you have a higher income, you’re better off applying for one of the best travel credit cards in Canada. Even if you don’t meet the income threshold, there are cash-back cards that give you a better return.

- Barry Choi, Money We Have

The ScotiaGold Passport VISA is a great credit card option for those who travel frequently. Ultimately, this card shines with its 5% back on travel-related purchases, so if you’re a globetrotter who’s away from home a lot, this is a great card to have in your wallet.

- Octavia Ramirez,

The best part is you get to choose if you want to book through Scotia Rewards Travel Service, or you can simply use any travel agent or booking service to book your travel and then login to Scotiabank website to instantly pay for those purchases with your points at the same rate. There's also an ext...

- creditcardGenius

If you want a card that will save you money through cash back on travel costs, then ScotiaGold Passport VISA Card is a good way to do it, and may well be the right card for you. This is an exclusive card that offers more travel benefits and insurance coverage than most cards in this category.

- Ivan Daniel,


Interest Rates
Regular APR Interest Rate 19.99%
Balance Transfer Interest Rate 22.99%
Cash Advance Interest Rate 22.99%
Rates & Fees
Annual Fee $110.00
Balance Transfer Fee $5.00
Cash Advance Fee $5.00
  • For transactions processed by Scotiabank, any financial institution in Canada, Scotiabank ABM, any non-Scotiabank ABM displaying Interac+ symbol
  • $7.50 for transactions obtained at any ABM or processed by any financial institution outside of Canada
Foreign Transaction Fee 2.5%

Transactions made in a foreign currency will be converted and posted to your account in Canadian currency.

Over Limit Fee $29.00
Late Payment Fee $0.00
Sign up bonus

Earn 5,000 bonus points with your first card purchase within the first 2 months.

All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel 5% cash back

On travel purchased through Scotia Rewards Travel Service.

Pharmacy No
Bills No
Features & Benefits
Additional Card Holders

$30 per year for each card

Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Paywave, Apple Pay
Virtual Cards No
Additional Benefits
  • Trip Cancellation/Trip Interruption Insurance
  • Delayed and Lost Baggage Insurance
  • Hotel/Motel Burglary Insurance
  • Access to special offers, merchandise, rewards and more
  • Save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S.
Minimum Security Deposit $0
Minimum Age

18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces.

Minimum Personal Income $12,000 per year

Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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