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Scotia Gold Visa Review

Scotia Gold Visa Review

The Scotia Gold visa is a no-fee travel credit card. This card would suit the world traveler well. It can be used at over 1,000,000 bank machines around the world! That means you can travel from Italy to Japan or from Australia to Iceland and never have to worry about money.

There are other versions of the Scotia Gold visa card available. For example there is the Scotia Gold Passport Visa, which has annual fees and earns travel points. But in this post we’re just going to review the basic no-fee Scotia Gold visa card.

This card is your basic travel card. There aren’t any travel points to can be earned with this card. The Scotia Gold visa is a very basic no-free travel card.

But! There are some travel benefits available with this card which makes it a good option for any traveler.

Apply for the No-Fee ScotiaGold® VISA* card

The Details:

  • Annual Fee: $0
  • Interest Rate (purchases): 19.99%
  • Cash Advance and Balance Transfer Interest Rate: 21.99%


No points or miles available to be earned with this credit card.

Welcome Bonus:

No welcome bonus available.

Travel Benefits:

The Scotia Gold visa comes with a couple of basic travel benefits.

The first benefit is that card holders will receive a 20% discount on any Avis car rentals world wide. Just simply show the Scotia Gold visa at any Avis location to receive the discount.

The second benefit on this card is that you’ll receive rental car collision insurance. This insurance covers up to the full value of the car if damaged, lost or stolen. The full rental cost needs to be charged to the card to be covered and the rental insurance from the car agency must be declined (this is standard requirements on most credit cards that offer rental car insurance).

For more details on the benefits and what they specifically cover and do not cover please visit the Scotia Gold visa page on the Scotiabank website.

No Fee Scotia Gold Visa

Final Thoughts:

This Scotia Gold visa is a decent travel credit card. The positives are that it’s a no fee card and it has some travel benefits like rental car discounts and insurance. The negative is that there are no travel rewards points associated with this card.

Depending on your annual spending it could be worthwhile to get a more expensive travel card like the Scotia Gold Passport visa, pay the annual fee ($110), and then enjoy the extra travel rewards points.

But as a basic no-fee travel credit card the Scotia Gold visa is definitely a good choice for a world traveler.

Apply for the No-Fee ScotiaGold® VISA* card


Check Out The Best Credit Cards In Canada!

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