No-Fee ScotiaGold® VISA Credit Card Review

No-Fee ScotiaGold® VISA Credit Card Review


Interest Rate


Annual Fee


Balance Transfer


Card Type

No Annual Fee

Essential travel benefits with no annual fee

  • Convenient with Visa payWave™ simply wave your card and go!
  • Eligible for My Mobile Wallet
  • Eligible for Apple Pay & Google Pay

Customers are primarily attracted to the No-Fee ScotiaGold® VISA card for its simplicity. After all, you can enjoy some exciting travel benefits by paying nothing. Yes, this no-annual-fee card not only gives you basic travel benefits, but your transactions are also made secure with the presence of a microchip. Those who want a simple card with exciting rewards and benefits will love this card. Perhaps the best thing about this card is that you can use it like any credit card, and without any yearly charge. If you’re looking for a simple solution to make payments and get basic travel benefits in return, this No-Fee ScotiaGold® VISA card is your best bet.

Switch balances over from higher-interest-rate credit cards to the No-Fee Scotiabank Value Visa Card. By consolidating your higher rate balances, you’ll save on interest and make paying bills easier.

  • Introductory 3.99% interest rate on Balance Transfers for the first six months†.
  • 99% after the introductory rate
  • Pay down balances faster
  • Simplify your monthly payments

Is No-Fee ScotiaGold® VISA Card Right for Me?

This credit card is the best choice if you prefer to keep things simple. Also, you need to remember that the No-Fee ScotiaGold VISA isn’t a rewards card. However, you can still enjoy basic travel rewards. The No-Fee ScotiaGold® VISA is a popular choice among Canadian customers who want to stay away from annual fees and shopping rewards. In fact, if you’ve been looking for the ideal no-nonsense credit card, look no further than the No-Fee ScotiaGold® VISA. With No-Fee ScotiaGold® VISA, you get all the benefits of a credit card without paying an annual fee. The good thing about this card is that you get up to 20% discount at all participating AVIS car outlets, rental car collision insurance, commission-free traveller’s checks and an interest-free grace period of 21 days. Here are the key features that you need to remember:

  • 20% Discount at AVIS car rental
  • Rental car collision insurance – if you rent a car for less than 48 days. This only applies to rental cars and minivans.
  • Commission-free traveler’s cheques
  • $5,000 minimum credit limit

Like all other Scotia cards, the interest-free grace period doesn’t apply to cash advances and balance transfers. Another important thing to remember is that if you don’t pay your credit card balance in full by the due date, you are not eligible to take advantage of the interest-free grace period.

Are There Any Additional Costs?

This credit card is rightly named ScotiaGold® because it has all the features expected in a hassle-free credit card. What’s even better is that the credit card has no annual fee. If you talk about the costs, there is an interest rate of 19.5% on all purchases. All cash advances and balance transfers have an interest rate under 22%.

What is the Eligibility Criteria for No-Fee ScotiaGold® VISA?

You can get this card if you are a Canadian citizen and have a monthly minimum income of $1,000. Needless to say, you need to have a good credit history for your credit card request to be accepted. The bottom line is that this No-Fee ScotiaGold® VISA is an excellent option for those who want to keep a gold credit card but are not interested in paying any annual fee. On the other hand, this credit card doesn’t have a ton of benefits like other premium cash-back or travel reward cards but the basic perks you get are good enough. If you travel a little and love to buy things online, you would definitely love the way this card works. Don’t wait any longer as you can now enjoy the gold standard without paying a hefty price tag. Shop online and enjoy up to 20% discount on AVIS car rentals along with other benefits with No-Fee ScotiaGold® VISA.

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