ScotiaGold Passport® for business Visa* Card

No longer being sold

Product Benefits
  • 30,000 Bonus points worth $300 in travel1
  • Earn points with every card purchase2
  • Book on any airline, anywhere, anytime3

Account Details

Annual Fee

 $120

Supplementary Cards:$50

Interest Rates

19.99%

22.99% on cash advances, balance transfers and Scotia Credit Card Cheques 

Credit Limit

$5,000

minimum; up to $100,000 unsecured

Complimentary Services

Rewards
  • 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 card5  
  • Transfer points between business and personal accounts or convert to Scene points
Details

ScotiaBank Rewards Program

Terms and Conditions
Redeem rewards easily

Use your points for travel, merchandise or gift cards for your business.7 

Details

Travel anytime, anywhere

You can book any flight, at any time, through the travel agent, agency, website or company of your choice. Pay for your trip with your card, then visit Scotia Rewards or call to redeem your points for the purchase.7
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

Details

Earn More Cash Back Rewards

With our Canadian dollar program, your business will receive cash back annually at a rate of up to 1% per card based on spending levels. The cash is deposited directly into your Scotiabank business deposit account, annually in October. The maximum cash back is $25,000 per year, at the program level (all cards).
Save when you shop

With Visa SavingsEdge* receive discounts on your business purchases.

Organize and track business expenses

Spending on your ScotiaLine for business Visa account is consolidated into one monthly statement. Transactions made by additional Supplementary Cardholders are easily identified on your statement.

Save on car rentals

Renting a car for business? Save on car rentals with discounts of up to 25% at participating AVIS car rental locations worldwide.

Details

Avis Car Rentals

Simply present your Scotiabank business Visa card at any participating location. You can also visit www.AVIS.com or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.
Scotia Rewards & SCENE® Points Conversion11

You can convert your Scotia Rewards points 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

Flight Delay Insurance12

Charge at least 75% of the full ticket cost to your ScotiaGold Passport for business Visa card and you’ll be eligible for reimbursement of necessary expenses such as hotel accommodations, meals and other emergency items.

Details

Flight Delay Insurance12

You may be reimbursed for eligible necessary and reasonable living expenses incurred during the period of a delayed flight or missed connection which lasts four hours or more, to a limit of $500 per Insured Person on the same trip.

Certificate of Insurance
Rental Car Collision Loss Damage Insurance13

Charge the full cost of your eligible rental car to your card and you’re automatically insured if your rental is damaged or stolen. Up to 65k in value and insurance has to be declined by rental car agency.

Details

Rental Car Collision Loss Damage Insurance 13

You are automatically covered by Collision Loss/Damage Insurance when you rent a vehicle in your name, decline the agency's collision damage waiver or loss damage waiver (or similar provision) and use your to pay for the entire cost of the rental. If your rental car is damaged or stolen you are covered for the amount that you are liable to the Rental Agency up to the actual cash value of the vehicle. Note that the rental period cannot exceed 48 consecutive days and vehicles costing over $65,000 are not covered.

Certificate of Rental Car Insurance
Delayed and Lost Baggage Insurance12

Charge the full cost of your airplane, train, bus or cruise ship tickets to your Card. If your checked luggage is delayed or lost – you’re covered (up to $1,000)

Details

Delayed and Lost Baggage Insurance 12

When you purchase common carrier tickets with your ScotiaGold Passport for business Visa Card, you are eligible for coverage against the loss or the delay of your checked luggage. The lost luggage benefit is limited to the lesser of the value of the covered luggage or the amount equal to the cash reimbursement made by the carrier, to a combined maximum of $1,250.

The delayed luggage benefit is limited to $1,000 for all insured persons on the same trip for the cost of replacing eligible essential items if your checked luggage is not delivered within four (4) hours from your time of arrival at your final destination.

Certificate of Delayed and Lost Baggage Insurance
Travel Accident Insurance12

Charge at least 75% of your ticket cost to your Card and you’re insured against accidental loss of life or dismemberment.

Details

Travel Accident Insurance 12

You, your spouse and eligible dependent children will be automatically insured against accidental loss of life, or dismemberment – up to a maximum of $500,000 (to a maximum of $1,000,000 per occurrence). Coverage is in place while occupying a common carrier for which you have charged at least 75% of the ticket cost to your ScotiaGold Passport for business Visa Card, and which is licensed to carry passengers such as airplanes, cruise ships, trains or buses.

Certificate of Travel Accident Insurance
Hotel/Motel Burglary Insurance12

Use your Card to pay for your stay at any hotel or motel in Canada or the U.S.

Details

Hotel/Motel Burglary Insurance 12

When you check into any hotel or motel in Canada or the U.S., and charge your stay to your ScotiaGold Passport for business Visa Card, you and your spouse and dependent children travelling with you will be eligible for coverage against theft of your covered personal property if your room is broken into. Should your claim exceed the amount reimbursable by the hotel, and/or any applicable insurance protection, your coverage picks up the balance, up to a maximum of $1,000.

Certificate of Hotel/Motel Burglary Insurance
Purchase Security & Extended Warranty Protection12

Most items purchased with your card are insured against theft, loss or damage for 90 days from the purchase date and the manufacturer’s warranty is doubled for up to one year.

Details

Purchase Security & Extended Warranty Protection 12

(Maximum lifetime liability of $60,000)

Most items purchased anywhere in the world are automatically insured against theft, loss or damage as long as the full cost of the item is charged to your ScotiaGold Passport for business Visa Card. Card.

Coverage extends for the first 90 days from the date of purchase, is limited to the lesser of the repair cost, replacement cost or original purchase price, and is in excess of any other insurance coverage.
When you charge the full cost of most items to your card, extended warranty coverage doubles the original manufacturer’s warranty for up to one year. Coverage is limited to the lesser of the repair cost, replacement cost, or original purchase price.

Items covered by a manufacturer’s warranty repair services of five years or more must be registered within the first year of purchase.

Certificate of Purchase Security Insurance
Protect the business you’ve built with optional Scotia Business Loan Protection

Safeguard your business with extra protection should the unexpected happen.

Details

Scotia Business Loan Protection

If you or another key employee loses the ability to work, Scotia Business Loan Protection can make regular payments toward or completely pay off your Scotiabank line of credit, loan or credit card. If you or another key employee passes away, your outstanding loan amounts can be paid in full.14 Visit your branch to apply.

Resources

How to apply for Small Business credit
Phone

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  • 1

    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 60 days of your Account open date. 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. Offer applies to a new Account only opened by October 31, 2018 (the "Offer End Date"). 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. Offer may be changed or extended and cannot be combined with any other offer.

  • 2

    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.

  • 3

    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.

  • 4

    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

  • 5

    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.

  • 6

    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.

  • 7

    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.

  • 8

    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.

  • 9

    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.

  • 10

    All Scotiabank retail credit cards, except ScotiaLine Visa card, will have Visa payWave when issued or reissued.

  • 11

    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.

  • 12

    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.

  • 13

    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.

  • 14

    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.

  • ®

    Registered Trademark of The Bank of Nova Scotia

  • *

    Visa Int./Licensed. User.