Our Revolving Credit Agreement is being updated

Effective June 30, 2019

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The Minimum Payment for Quebec Residents is changing

Effective August 1, 2019

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No-Fee ScotiaGold® Visa Card

Note: We are no longer issuing new No-Fee ScotiaGold® Visa Cards. The information described here is solely for existing Cardholders.

Discount Rates at Avis Car Rental


Rental Car Collision Insurance


Great reasons to get this card

  • Essential travel benefits with no annual fee

  • $0 annual fee

  • Convenient with Visa payWave simply wave your card and go!

  • Eligible for My Mobile Wallet

  • Eligible for Apple Pay & Android Pay

  • Fees, Rates & Other Information

    Annual Fee


    0.0 each Supplementary Card

    Interest rates


    19.99 on purchases. 22.99 on cash advances, balance transfers and Scotia Credit Card Cheques

    Credit Limit



    Your card comes with benefits

    Save on car rentals

    As a No-Fee ScotiaGold Visa Cardholder, you can save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S. when you pay with your No-Fee ScotiaGold Visa card.       

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    Rental Car Collision Insurance1

    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).

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    Scotia® Credit Card Cheques2 & Instant Cash Advances

    As a cardholder, you have flexibility. You’ll receive Scotia Credit Card Cheques2 for added convenience. And it’s easy to get cash advances. 

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    Scotia Credit Card Protection (optional)

    With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life.

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    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.

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