Credit Card Review & Application

No-Fee ScotiaGold VISA Credit Card

3.5

out of 5

- Essential travel benefits with no annual fee
- $0 annual fee
- Commission-free travellers cheques
- ConvenientWith Visa payWave simply wave your card and go!
- Eligible for My Mobile Wallet
- 20% Discount Rates at Avis Car Rental
- Rental Car Collision Insurance



Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 19.99% *
Annual Fee: $0*
Card Issuer: Scotiabank
Card Network: VISA
Card Category: Consumer (Premium)
Card Type: - Instant Decision Card
Credit Needed: Good*

The No-Fee ScotiaGold VISA credit card offers members a no- nonsense, streamlined and affordable credit card with special attention paid to those who travel, either for work or pleasure. These great travel benefits are included to ensure convenience without compromising the perks.

Card members save big when they travel, including discounts at participating AVIS car rentals around the world. Card members simply present their ScotiaGold Visa when they arrive at the AVIS counter or many card members prefer to plan ahead by visiting the AVIS website. If the car rental is for less than 48 consecutive day and if it is paid in full with the ScotiaBank Visa, card members will enjoy coverage for the full value of the rental car, including theft, loss or damage.

Another reason many consumers like the ScotiaBank Visa is because of the minimum credit limit approval of $5,000. A competitive interest rate on both purchases and cash advances make this an affordable option. For those who want security when it comes to their financial tools, members may select coverage for disability, job loss � including lockouts or strikes � illnesses or injuries that can leave the card member incapacitated and more. That�s true peace of mind. Coverage can go up to $20,000, depending on the balance on your card, the nature of the event and the coverage options selected. The best part? Any co-card members are covered at no additional charge.

For Scotia Bank members, the convenience of the TeleScotia banking system and the Scotia OnLine access comes with the credit card, making it easier than ever to manage finances from one central location. And speaking of convenience, paying for small every day purchases just got easier with the ScotiaGold Visa. The Visa payWave allows members to swipe their card over the card reader and they�re on their way. Who says functionality can�t be convenient?

The chip technology embedded into every ScotiaBank Visa card is designed to provide peace of mind. Card members can use their cards for purchases and cash advances at more than 55,000 ATMs in Canada and more than 1 million more ATMs around the world. This is an important element, considering the technology-focused protection challenges many banks are facing today.

Other benefits include commission free travelers checks. This means only the standard foreign exchange rates apply, making it an affordable option that many competitors do not offer. Enjoy fast customer service from one of the best teams in the business. Many like the idea of around the clock banking in our always-awake society. They find a functional and easy website designed to be as convenient as it is beneficial.

These days, consumers are far savvier in their financial decisions. There are more choices on the market and for most, it�s about buying power and affordability. With its no fee design, this is the �better� so many have been waiting for. It�s the go-to card in their wallets that allows them to use with confidence. It offers everything that�s been missing from many recent credit card offers: a no hassles offer, great security, opportunities to save with ScotiaBank partners, including Avis, and a generous $5,000 minimum credit line.

Card members may also qualify for ScotiaBank�s Mobile Wallet. This is great for consumers who always have their phone with them and like the convenience it offers. It allow them to securely store and pay for every day purchases with their smartphones. Whether it�s coffee, gas, lunch or even groceries, waving their smartphone over the payment terminal completes the transaction. Be sure to check the ScotiaBank website to ensure your smartphone is compatible.

Even for those who may not always reach for a credit card, the streamlined design of what this offers makes it an ideal choice. These days, it�s challenging to conduct any kind of financial business without the benefit of a credit card. If you�re making hotel or plane reservations, companies require a major credit card to hold the reservations. Renting a car also requires a major credit card along with many other reservations based providers.

These are just a few of the many benefits consumers are discovering. Come see for yourself the ScotiaBank difference.


The review prepared by

Other Benefits: - Scotiabank credit card protection
- Rental Car Collision Insurance
- Up to 20% discount rates at Avis Car Rental
- Emergency Travel Assistance
- Commission-free Travellers Cheques
*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: $0*
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%
We do not offer online application for this card at the moment.


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† Published on Jun 6, 2017. Information relating to the No-Fee ScotiaGold 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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