ScotiaGold Passport® for business Visa* CardEarn 30,000 bonus points upon your first purchase1
Bonus points worth $300 in travel1
Earn points with every card purchase2
Total flexibility. Book on any airline, anywhere, anytime3
Great reasons to get this card for your everyday business purchases
1 point for every $1 spent2
5% cash back 4 on travel purchases made through the Scotia Rewards Travel Service3
50% off the annual fee of your personal ScotiaGold Passport Visa card 5
Scotiabank Rewards Program Terms and Conditions
Fees, Rates & Other Information6
$50 each supplementary card
Annual Fee $120
22.99% on cash advances, balance transfers and Scotia Credit Card Cheques
Interest Rates 19.99% on purchases
minimum; up to $100,000 unsecured
Credit Limit $5,000
Your card comes with great business benefits
Take advantage of everything your ScotiaGold Passport for business Visa offers you.
Treat yourself or someone else
Use your points to pick up your favourite brand-name products or get a gift card from restaurants, cafés and stores that you can use for your business.7
Combine your points
Also apply for a personal Scotia Gold Passport Visa card. Then you can simply combine points earned on both your business and personal Scotiabank credit cards when you’re ready to redeem.7
Travel for less
Get 5% cash back4 when you book airline tickets, pre-packaged tours or cruises through Scotia Rewards Travel Service.3
Organize and track business expenses
Spending on your ScotiaGold Passport for business Visa Account is consolidated into one monthly statement. Transactions made by additional Supplementary Cardholders are easily identified on your statement.
Scotia Rewards & SCENE® Points Conversion11
You can convert your Scotia Rewardspoints to SCENE or your SCENE points to Scotia Rewards points instantly, anytime you want. Remember that you must have a SCENE account to convert Scotia Rewards points to SCENE points and please review the rate conversions. Visit scotiarewards.com and see the Conversion Program terms and conditions for more details. 11
Travel Insurance and Business Protection
Breathe easy with comprehensive coverage12
To be eligible for the 30,000 bonus points offer (the “Offer”), a purchase must be posted to your new Scotiabank credit card account (“Account”) within 2 months of your Account open date. Purchases exclude refunds, returns or other similar credits, payments, cash advances, balance transfers, Scotia® Credit Card Cheques, interest, fees or other charges. The bonus points will appear as an adjustment on your Account statement within 2 statement cycles of your first card purchase provided the Account is open and in good standing at time of payout. Offer applies to a new Account only opened by January 31, 2019. Former or current Scotiabank credit cardholders that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account are excluded from this Offer.
The current annual fee is $120 for the primary card and $50 for each additional supplementary card.
The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions).
All rates, fees, features and benefits are subject to change. Offers may change, be extended and cannot be combined with any other offers.
Points are not awarded for cash advances, Scotia® credit card cheques, credit vouchers, returns or other similar credits, payments, annual card fees, interest charges or other fees or service/ transaction charges.
Scotia Rewards Travel Service and Travel Booking Site provided by a duly licensed 3rd party travel agent HRG (Hogg Robinson Group). The minimum point redemption is 5,000 points (5,000 points is equivalent to $50 in travel savings) each time a redemption towards a Post Purchase Travel Redemption is made. You can purchase eligible travel or related travel expenses at a travel provider other than the Scotia Rewards Travel Service (e.g., other travel agencies, tour operators and online travel websites) (the “Other Travel Suppliers”). These types of purchases at Other Travel Suppliers are called “Post Purchase Travel Redemptions”. Scotia Rewards points are redeemable for Post Purchase Travel Redemptions made through your Program Card. To redeem Scotia Rewards points for a Post Purchase Travel Redemption at Other Travel Suppliers, the purchase must first appear (post) on the Program Card Account. Scotia RewardsCardmembers can then redeem points towards the amount of the Post Purchase Travel Redemption charged to the Program Account through scotiarewards.com or by calling 1-800-665-2582.
The Post Purchase Travel Redemption must be charged on your Program Card Account and recognized by our systems with the applicable Merchant Category Codes or identifiers. The Post Purchase Travel Redemption can include related taxes, booking fees, airport fees and travel insurance premiums. You must redeem Scotia Rewards points within 12 months from the date when the Post Purchase Travel Redemption is posted to the Program Card Account (the posting date). It may take up to two statement periods for the points redeemed towards a Post Purchase Travel Redemption to appear as a credit on your Program Card Account. Points redeemed cannot be reversed once posted to the Account. To redeem Scotia Rewards Points towards your Post Purchase Travel Redemption, the Program Card Account must be open and in good standing. The value of the points redeemed cannot exceed the amount of the Post Purchase Travel Redemption charged to your Program Card Account.
To qualify for the 5% Cash Back rebate, all reservations and travel arrangements must be made through the Scotia Rewards Travel Service (Travel Services provided by a duly licensed 3rd party travel agent) and charged to your ScotiaGold Passport for business Visa card account. Eligible expenses include airline tickets, pre-packaged tours and cruises. Taxes, service charges, insurance, hotels, motels, car rentals and personal expenditures are excluded, unless already included in pre-packaged tours. The Cash Back will be automatically credited to your ScotiaGold Passport for business Visa account within two statement cycles following your departure date
Subject to change without notice. The 50% reduction in the personal (consumer) ScotiaGold Passport Visa account (“Personal Card Account”) annual fee applies to the Primary Cardmember annual fee only. The reduced ScotiaGold Passport Visa annual fee will be charged on the annual fee renewal date following the open date of the Personal Card Account. Customers who have already been charged and have paid their annual fee on the Personal Card Account prior to opening a ScotiaGold Passport for business Visa card, will not benefit from the 50% reduction in the annual fee, until their next annual fee renewal date for their Personal Card Account.
For current rates and information on fees and interest cost, call 1-888-882-8958. Interest rates, annual fees and features are subject to change without notice.
Terms and conditions apply under the Scotia Travel Rewards Program (“Program”). The Bank of Nova Scotia is not responsible for any third party service providers that support the Program including those that provide travel, merchandise or gift rewards under the Program, including the Scotia Rewards Centre (“Centre”) and travel services or purchases provided by the Centre. Visit the scotia rewards travel site for full details about the Program.
Visa SavingsEdge is an automated discount program offered by Visa Canada Corporation ('Visa Canada') to eligible businesses and their authorized cardholders that hold an eligible Visa Business card and whose enrollment in the program is accepted by Visa. Under the program, cardholders can receive discounts from participating merchants each time the cardholder uses an enrolled Visa Business card to make qualifying purchases of goods or services pursuant to an active discount offered by the merchant and that transaction is processed or submitted through the Visa payment system. Discounts provided will appear as credits on future credit card statements 8-10 weeks after purchase date. Visa Canada, not Scotiabank, is responsible for the Program. For details, visit www.visasavingsedge.ca. The following Scotiabank VISA Business cards are eligible for this program: Scotia Momentum for business Visa* card, Scotia Gold Passport for business Visa* card, ScotiaLine for business Visa* Card and Scotiabank Visa* Business Card.
The Primary Cardholder on the ScotiaGold Passport for business Visa Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder.
All Scotiabank retail credit cards, except ScotiaLine Visa card, will have Visa payWave when issued or reissued.
Scotia Rewards points can be converted into SCENE points and SCENE points can be converted into Scotia Rewards points. To do so, you must have a Scotiabank card account that earns Scotia Rewards points (the “Scotiabank Program Card Account”) and is in good standing, and a valid SCENE membership card. You must convert a minimum of 1,000 points per conversion. You can convert points up to a maximum of 4 times within a 24 hour period. Conversions cannot be reversed or cancelled once completed. These conversions are subject to the terms of your Points Conversion Terms and Conditions. See the Points Conversion Terms and Conditions on scotiarewards.com for full details.
Flight Delay Insurance and Rental Car Collision Loss Damage Insurance is underwritten by American Bankers Insurance Company of Florida. Travel Accident Insurance is underwritten by American Bankers Life Assurance Company of Florida. Purchase Security, Extended Warranty, Delayed/Lost Baggage Insurance and Hotel/Motel Burglary Insurance are underwritten by Elite Insurance Company. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance provided with the card. Read the Certificate of Insurance then keep it in a safe place with your other valuable documents, and take it with you when you travel. For all insurance coverages, certain limitations, restrictions and exclusions apply.
Travel Emergency Medical Insurance is underwritten by American Bankers Life Assurance Company of Florida, except for travel in Cuba which is underwritten by Zurich Insurance Company Ltd. Trip Cancellation/Trip Interruption Insurance is underwritten by American Bankers Insurance Company of Florida. Travel Accident Insurance is underwritten by American Bankers Life Assurance Company of Florida. Rental Car Collision Loss Damage Insurance is underwritten by Primmum Insurance Company. Effective October 3, 2017, Rental Car Collision Loss Damage Insurance is underwritten by American Bankers Insurance Company of Florida. Purchase Security, Extended Warranty, Delayed/Lost Baggage Insurance and Hotel/Motel Burglary Insurance are underwritten by Elite Insurance Company. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance provided with the card. Read the Certificate of Insurance then keep it in a safe place with your other valuable documents, and take it with you when you travel. For all insurance coverages, certain limitations, restrictions and exclusions apply.
Scotia Business Loan Protection is a Group Policy underwritten by The Canada Life Assurance Company. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment. If you are approved for coverage you may take up to thirty (30) days to review the details of the coverage. If you cancel within thirty (30) days of your coverage effective date any premium paid will be refunded. For more information simply call 1-855-753-4272 between 8:00 am and 8:00pm ET and one of our Insurance Customer Service Representatives will be pleased to assist you.
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