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ScotiaGold Passport Visa Card Review

Discover big rewards and cashback when you pay for your purchases with the ScotiaGold Passport Visa Card.

Receive 5,000 bonus Scene+ points when you make your first eligible purchase. Eligible purchase must be posted to your account within 2 months of account opening.
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Annual Fee

1 point per $1 spent


30-second take

  • Get this card if you want the chance to earn both travel rewards and cash back.
  • Choose something else if you’re not a frequent traveler or would rather not pay an annual fee.
  • You must have a minimum annual income of $12,000 to qualify for this card.

The basics

If you find yourself jetting off to exotic destinations around the globe on a regular basis, the ScotiaGold Passport Visa Card might be the right credit card for you.

Beyond travel rewards

If you don’t plan to travel in the near future but you want to redeem your rewards, then you can choose from a wide selection of merchandise and gifts offered by Scene+.

The perks

  • Earn points and cash back. Earn 1 Scene+ point for every $1 spent on eligible purchases. Plus, book your travel through the Scotia Rewards Travel Service and earn 5% cash back on the cost of your trip.Redeem your points for travel with no restrictions on destination or dates.
  • Signup bonus. Receive 5,000 bonus Scene+ points when you make your first eligible purchase. Eligible purchase must be posted to your account within 2 months of account opening.
  • Best Price Guarantee on airfare. Earn points credit when you find an airfare that is at least $10 less than the airfare you’ve booked. Flights must have the exact same itinerary and be sent within 24 hours of your initial purchase.
  • Purchase insurance. Get extended warranty and insurance coverage to cover theft, loss or damage on most items purchased with your card (for 90 days from purchase date).
  • Travel insurance. Make use of a wide suite of travel insurance to cover car rental theft or collision. You can also use this insurance to cover flight cancellations/interruptions, baggage delays or lost luggage, hotel burglaries and other incidentals. This comes on top of up to $1,000,000 in Travel Emergency Medical Insurance.
  • Save on car rentals. Get up to a 25% discount at participating Budget and AVIS car rental locations in Canada and the US.
  • World class service. Contact customer service 24/7 to report issues with your account and troubleshoot problems by speaking directly to an agent.

What to watch out for

  • High annual fee. You have to pay an annual fee of $110 for the card with an additional fee of $30 for each supplementary card.
  • High minimum credit limit. The minimum credit limit is $5,000 which is higher than many other credit cards.

ScotiaGold Passport Visa Card interest rates

Interest TypeInterest Rate
Purchase interest rate19.99%
Cash advance rate22.99%
Standard balance transfer rate22.99%

What do other customers say?

Many customers are pleased with the travel and cash back rewards on offer from the ScotiaGold Passport Visa Card. Those who travel frequently are happy to take full advantage of the cash back feature when booking trips through the Scotia Rewards Travel Service – however you are restricted to using the cash back through this online booking portal. What’s more, some customers prefer to opt for a fee-free card instead of paying the $110 annual fee for the ScotiaGold Passport Visa Card.

What should I know before I apply

How to apply

  1. Go to the Scotiabank website to start filling out the online application.
  2. Read through the Disclosure Statement details and click Accept & Continue.
  3. Complete the application with details that include your name, email address, social insurance number and birth date.
  4. Review and submit your application.

Bottom line

The ScotiaGold Passport Visa Card offers top-notch travel rewards and cash back for eligible purchases. The card offers a full suite of travel and purchase insurance along with a host of other benefits. If you’re looking for a comprehensive travel card and don’t mind paying the $110 annual fee, then this card might be right up your alley.

Frequently asked questions about the ScotiaGold Passport Visa Card


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