No-Fee ScotiaGold® VISA* card

Right for you if:

  • You want the prestige of a Gold Card
  • You want benefits with no annual fee
  • Essential travel benefits with no annual fee
  • $0 annual fee
  • Commission-free travellers cheques1
  • ConvenientWith Visa payWave™ simply wave your card and go!

  • Wave to pay with your Scotiabank Visa card and you could win a free Mini Cooper S.  Learn more

At a Glance

20%

Discount Rates at
Avis Car Rental

$0

Annual Fee

Rental Car Collision Insurance

Essential Travel Benefits

Rental Car Discounts
Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your Scotia Momentum VISA card at any participating location. Or visit www.AVIS.com or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

Rental Car Collision Insurance 2
Covers full value of the vehicle against damage, loss or theft provided the entire cost of the car rental is changed to your No-Fee ScotiaGold VISA card AND coverage offered by the rental car agency is declined (some exclusions apply). Certificate of Rental Car Collision Insurance (73 kb)

Rates & Fees

  • Minimum Credit Limit $5,000
  • Interest-Free Grace Period At least 21 days3
  • Annual Fee $0
  • Interest Rate
    • 19.99% on purchases
    • 21.99% on cash advances, balance transfers

For current rates and information on fees and interest cost, call 1-888-882-8958.

Interest rates, annual fees and features are effective as of March 1, 2011 and are subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

Special Discounts

VISA Perks
Exclusive VISA card holder discounts available at many popular merchants. Visit visaperks.ca to learn more.

AVIS Car Rentals
Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your No-Fee ScotiaGold VISA card at any participating location. Or visit www.AVIS.com or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

Scotia® VISA Cheques5 & Instant Cash Advances

Use ScotiaVISA Cheques to:

  • Transfer balances from gas and retail cards that charge higher interest rates.
  • Pay for a large purchase, insurance premiums, medical bills, or utility bills.

Obtain cash advances at:

  • Over 1 million ABMs around the world displaying the VISA/PLUS symbols.
  • Over 55,000 ABMs displaying the INTERAC symbol in Canada, including Scotiabank ABMs.
  • Or, access your No-Fee ScotiaGoldVISA account with your ScotiaCard when you link the two together.

Easy Access

Link your No-Fee ScotiaGold VISA account to your ScotiaCard® you can use TeleScotia® Telephone Banking and Scotia OnLine® Financial Services for VISA account information.

Visa payWave™

Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!4

Scotia VISA Balance Protection (optional)1

Scotia VISA Balance Protection can make monthly payments+ to your Scotia VISA account to help you maintain a good credit rating if you are unable to work due to disability, job loss or strike. It can pay your outstanding balance++ in the event you become critically ill or pass away.

To be eligible to apply for coverage you must be between minimum 18 and 65 years of age on the date of application and a Canadian resident. If you are approved for coverage, you authorize Scotiabank to charge the monthly premium at a rate of 0.95 per $100. of your average daily outstanding balance (plus applicable taxes) to your Scotiabank account.

View more information or call 1-800-461-0285 between 8:00 am and 8:00 pm Monday to Friday.

+ 5% of outstanding balance up to 24 months
++ The maximum benefit payable is $20,000

Ready to apply

  • Online 3 easy steps, only 5 minutes 100% safe and secure Apply online
  • PhoneCall the Scotiabank VISA Centre 1(800)387-6466 Mon-Fri (8am-6pm)
  • In Person Make an appointment at your local branch Find a local branch
  • Supplementary Cards Order supplementary cards Download Form
  • 1 Regular foreign currency conversion charges apply to travellers cheques. Read More
  • 2 For all insurance coverages certain limitations, restrictions and exclusions apply. You will receive Certificates of Insurance, which contain a full description of coverage, when you're approved for the card. Please read them carefully. All claims for insurance indemnities must be forwarded to the insurers. The Bank of Nova Scotia is not an insurer.
  • 3 Not including cash advances, balance transfers and Scotia VISA cheques. Provided that you pay your balance in full by the payment due date.
  • 4 All Scotiabank retail credit cards, except ScotiaLine VISA card, Scotiabank Value VISA card, and No-Fee Scotiabank Value VISA card, will have Visa payWave when issued or reissued. Visa payWave™ is a Trademark of Visa Int./Lic
  • 5Subject to available credit. Scotia VISA Cheques are treated as a cash advance and interest applies from the transaction date until the amount is repaid in full.
  • 6 Certain restrictions, limitations and exclusions apply. Please visit www.visa.ca for a full description of the VISA Zero Liability Policy.