ScotiaGold Passport Visa Credit Card

Relevant if: you use the Scene+ program and its documented categories.

Less suitable if: you do not recover at least $110 in value to offset the annual fee.

Annual fee: $110
Reward type: Scene+
Welcome offer: No confirmed offer
First-year estimate (without the offer): $610

Data verified on September 7, 2026

Estimate with my spending

Futello estimate

Estimated net value — first year, without the offer

$610

Annual fee thereafter: $110
First-year fee: To be confirmed — recurring fee of $110

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View calculation details

This estimate combines the card’s ongoing value in a balanced scenario with the portion of its welcome offer earned during the first 12 months.

Ongoing net value in the scenario: $610
Recurring annual fee already deducted: $110
Welcome-offer value earned during the first 12 months: No confirmed offer included
First-year fee: To be confirmed — recurring fee of $110

Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Gas / charging$4,500
Groceries$11,250
Pre-authorized payments$4,500
Restaurants$4,500

No confirmed welcome offer is included in this estimate: it only covers the card’s recurring value minus the first-year fee.

The total amount matches the selected level and is applied entirely to this card. Rewards are projected from the certified balanced scenario; fees are never multiplied. A first-year fee rebate is applied only when confirmed in the published offer. Ordinary rewards on required spending are not counted twice.

First year

Welcome offer

No confirmed welcome offer

No welcome offer is confirmed for this card; Futello does not invent history.

Email me if this offer changes

Earning

Rewards

Category	Reward	Conditions
Transit, taxis and ridesharing, Gas, and Streaming subscriptions	3 points per dollar	$50,000 cap / year · 1 point per dollar after the cap · Eligible currencies: CAD
Other purchases	1 point per dollar	No published cap
Empire grocery stores	6 points per dollar	No published cap
Entertainment, Groceries, and Restaurants	5 points per dollar	$50,000 cap / year · 1 point per dollar after the cap · Eligible currencies: CAD

Fees and eligibility

Annual fee thereafter: $110
Additional card: $30 (rebated for the first year)
Published minimum income: Not documented
Availability in Quebec: Available

Geographic eligibility never guarantees approval.

Benefits

Not documented

Insurance

Extended warranty Confirmed

Conditions

Purchase Security & Extended Warranty Protection 12 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
View source
Emergency travel medical insurance Confirmed

Conditions

Travel Emergency Medical Insurance 12 Coverage is provided for eligible persons under age 65 for up to 25 consecutive days
View source

Go further

Evergreen guides with no numbers that go stale, and the full Futello methodology.

Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

View source