ScotiaGold Passport Visa

Overview

The ScotiaGold Passport Visa is a Scene+ travel card from Scotiabank. It earns 1 Scene+ point per $1 on all purchases, and — through the Casa platform — Scene+ points on rent and eligible housing-related bill payments, which most cards don't reward. It carries a $110 annual fee (waived in the first year on the current offer) and includes a comprehensive travel insurance package. The minimum income requirement is $12,000.

Who this card is for

This card suits Canadians in the Scene+ ecosystem who want a flat, simple earn rate and value the ability to earn points on rent and housing bills through Casa. The $12,000 income requirement keeps it broadly accessible. It is a reasonable fit for someone who wants Scene+ points and travel insurance without the higher fee or income threshold of the Scotiabank Passport Visa Infinite cards.

Key benefits

Every purchase earns 1 Scene+ point per $1, with no categories to track. Through the Casa platform, you can also earn 1 Scene+ point per $1 on rent, condo fees and eligible housing-related bills when you also put at least $350 a month of everyday spending on the card — a rare way to turn housing costs into rewards. The card includes a comprehensive travel insurance package (emergency medical, rental car, baggage and more), and Scene+ points redeem flexibly for travel, dining, groceries, movies and more. The first-year fee waiver lowers the cost of trying it.

Potential drawbacks

A flat 1 point per $1 is unremarkable next to category-accelerating cards — Scene+ cards like the Scotiabank Gold American Express earn far more on groceries and dining. The $110 annual fee needs steady spending (including the rent-earning angle) to justify once the first-year waiver ends. As a flat-rate Scene+ card, it is more of a simple everyday option than a rewards maximiser.

How it compares

The Scotiabank Gold American Express earns 5x–6x Scene+ on groceries and dining with no foreign transaction fees at a $120 fee — a stronger earner for category spenders, though on the Amex network. The Scotiabank Passport Visa Infinite + adds lounge passes and no foreign transaction fees at $150. The ScotiaGold Passport's distinct angle is the flat earn plus Casa rent earning at a lower income requirement.

Bottom line

A simple, accessible Scene+ Visa whose standout feature is earning points on rent and housing bills through Casa. Worth considering if you're in the Scene+ ecosystem and value that rent-earning angle over higher category multipliers.