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Credit Card Canada - Canadian Credit Card Reviews and Applications No-Fee ScotiaGold VISA Card credit card reviews
No-Fee ScotiaGold VISA Card credit card details and credit card application link.
With No-Fee Scotiabank Value® VISA* Card , you get the advantage of a credit card without an annual fee. Among the extras are: rental car collision insurance, emergency travel support, commission-free issuing of travel checks, and up to 20 percent off at participating Avis car rental locations. The minimum credit limit is $5,000. As with all Scotia credit cards, there is an interest-free grace period of at least 21 days. This does not apply to cash advances, balance transfers and Scotia VISA checks. If your card is not paid off in full by the due date, you do not take advantage of the grace period.
You can obtain cash at more than a million Automated Teller Machines (ATMs) bearing the VISA/ PLUS5 logo throughout the world, at more than 55,000 ATMs with the INTERAC5 logo in Canada, including Scotiabank ATMs, or by linking the Scotiabank Value VISA account with the credit card.
The annual interest rate is 19.50 percent on purchases and 21.50 percent on cash advances and balance transfers. Keep in mind that these rates, fees, and features are subject to change without notice. Certain restrictions apply on insurance coverage conditions. Holders of this card can be issued Scotia Visa Checks as well, which can be used to transfer balances from other credit cards with higher interest rates and to pay for large purchases, insurance premiums, or medical bills.
Your account can be accessed quickly and with ease by means of electronic banking when you connect the credit card to the Scotiabank Value VISA account. Information can be acquired through TeleScotia phone banking and Scotia OnLine, two highly convenient financial services. Emergency travel support is provided to clients between 55 and 65 years of age, who do not have health crisis protection. The insurer of this plan is ACE INA Life Insurance, and as a third party, restrictions may apply.
Under the Visa zero liability policy, you can shop anywhere with your no-fee Scotia Gold, and you are protected against illicit use of the card. The client bears no liability whatsoever if fraud is committed. You do not pay for items that you did not purchase. This condition also applies to purchases made online. If you notice unusual activity on your card, you should contact your bank branch immediately. Inspect your monthly statements closely – scammers rely on people who do not take time for this routine activity. Online shopping safety is enhanced if you use a password that is verified by Visa.
Another option of a no fee credit card is the Capital OneSmartLine™ Platinum MasterCard which goes with a low annual interest rate of 5.99 percent on balance transfers and purchases. The interest rate for cash advances is considerably higher, set at 19.8 percent. This financial product is a good choice for persons who carry they credit card balances from month to month, have excellent credit rating and a household income of $40,000 or more. The Platinum MasterCard comes with plenty of included benefits such as extended warranty, price protection, purchase assurance, Baggage Delay Insurance, Travel Accident Insurance, Car Rental Collision/ Loss Damage Waiver, and Master Assist Travel Assistance. In addition, the credit card comes with rewards programs. Holders earn 1 percent cash back on purchases and 1 bonus mile for every dollar spent using the card.
| Credit Card Details | |
| Name | No-Fee ScotiaGold VISA Card Apply Now |
| Type | Visa |
| Interest Rate | 19.99% |
| Annual Fee | $0 |
| Rewards | No |
| Cash Back | No |
| Airline | No |
| Student | No |
| Secure | No |
| Prepaid | No |
| Store | No |
| Business | No |
| Low Interest | No |
| Auto and Gas | No |
| Instant Approval | No |
| Balance Transfer | Yes |
| US Dollar | No |
| No Annual Fee | Yes |
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