Credit Card Review & Application

5.0

out of 5

- Earn 5,000 bonus points with your first card purchase within first 2 months.
- Earn 1 Scotia Rewards 1 point for every $1 you spend
- Travel anywhere, at any time of the year with no restrictions
- Comprehensive travel protection and insurance
- 5% cash back on travel purchased through Scotia Rewards
- Book online or by phone
- Concierge Service
- Merchandise, gift card and other rewards available
- Minimum Credit Limit is $5,000



Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 19.99% *
Annual Fee: $110*
Card Issuer: Scotiabank
Card Network: VISA
Card Category: Consumer (Premium)
Card Type: - Instant Decision Card
- Reward Card
Credit Needed: Good*

The ScotiaGold Passport VISA is quickly becoming the first choice for those seeking bigger credit card rewards, lower interest rates and stronger customer service. Consumers these days are focused on buying power, the rewards programs that are meaningful and they want less expensive financial tools as they go about the business of meeting their financial goals. One bank is listening - and delivering.

With the ScotiaGold VISA, you'll find that ever-important buying power - and much more. The strong customer service is due to the knowledgeable and committed team behind the credit card and the ScotiaGold Visa instantly invokes respect. In fact, ScotiaBank, while it's a great partner for your credit card, it's also a formidable brand within the banking sector. Let's face it - in today's uncertain economic climate, the stronger the tools we have available, the better our options. Nothing is stronger than a solid and proven financial institution behind you.

For quite some time, consumers have shifted the way they see their banking partners. Gone are the days when banking felt robotic or removed. These days, we want to know our credit card companies and banks are there to lend the kind of support that had been lacking in the past. This credit card offer provides that familiarity and "team approach". Just by being a customer, you already enjoy many perks. This ensures a great experience and the buying power we need in today's uncertain financial climate.

The best part is you don't have to compromise your goals. You don't have to "settle" for a higher interest rate in order to gain a great credit card and you're never punished for paying your balances in full each month. It's your credit card; it's your choice. Suddenly, the traditional ways are new again and the focus is on the "hometown" sense of banking that drove financial institutions years ago.

Among the many perks you'll find in this credit card offer is the fast Visa checkout pay option, known as the Visa payWave, one Scotia Rewards point for every dollar you spend, the flexibility of traveling anywhere and anytime with no restrictions on your rewards program and you'll even enjoy bonus points after your very first purchase. A minimum $5,000 credit line means instant capital - and spending options - at your fingertips. Many consumers enjoy the My Mobile Wallet for its convenience and you too are eligible when you're approved for the ScotiaGold VISA card.

If you travel, you'll do so with confidence with the complimentary travel insurance that comes with your credit card. Not only that, but you'll enjoy 5% cash back on all of your travel purchased through your Scotia Rewards Travel Service. You can book online with ease and all of the exclusive toll free access to the Scotia Rewards Travel Service are yours. This full service travel agency gives you access to countless online travel sites, cruise lines, tour operators and more. It really is about flexibility. There's even a convenient travel calculator so you can keep up with your points.

Other benefits include the Scotia Rewards Concierge Service; never worry about another restaurant reservation. You'll also enjoy rental car discounts where you can save up to 20 percent.

While losing a credit card in another country is overwhelming, it's rare that you lose only a credit card. As a ScotiaGold VISA card member, you can not only register your lost or stolen credit card, but you can also register insurance policies, driver's licenses and your passports, too. This applies for everyone in your household. A quick phone call, no matter the time of day, immediately puts an alert on all of your accounts and instantly begins the replacement process. This important security feature isn't offered by many banks. It's just one more reason why ScotiaBank will feel more like a partner than just a bank.

Before you apply, be sure to read the terms and conditions, just as you would with any other financial contract. Once you're approved, your new ScotiaGold VISA credit card will be on its way.

Ready to see for yourself what true loyalty feels like? Apply today with our convenient and safe online application process and hear back from us within 25 hours. It just doesn't get any easier.


The review prepared by

Reward Types: - Other Reward Cards
- Travel Reward Cards
- Universal Reward Cards
Reward Unit: Point
Rewards: - 5,000 bonus points
- 1 Scotia Rewards 1 point for every $1 you spend
- 5% cash back on travel purchased through Scotia Rewards
Expiration: None*
Yearly Limit: None*
Other Benefits: - Exclusive Travel Services
- Up to 20% car rental discounts
- Concierge Services
- Travel Emergency Medical Insurance
- Trip Cancellation Insurance
- Rental Car Collision Insurance
- Travel Accident Insurance
- Hotel/Motel Burglary Insurance
*See card application page for other benefits
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 19.99% *
Annual Fee: $110*
Grace Period: 21 days*
Min Credit Line: $5,000
Late Payment Fee: N/A*
Over Limit Fee: $29.00
Balance Transfer: Yes
Transfer Fee (%): 1.00%
APR Cash Advances: 22.99%
Additional Fees Foreign Currency Conversion fee: 2.5%
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† Published on Oct 27, 2016. Information relating to the ScotiaGold Passport VISA Credit Card may change without notice as a result we cannot guarantee the accuracy of details above. It is important you read the terms and conditions attached to a product before submitting the application.




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