Scotiabank Mastercard Gold (USD)

Credit Card
Cash back

Scotiabank Mastercard Gold (USD)

Welcome offer
Get USD$50 cashback if at least 1 Eligible Purchase is converted into a Select Pay plan during the first 3 cycles from the account open date
Features
  • Earn up to 4% cash back on everyday spending
  • Extend the rewards with a free supplementary Scotiabank card
  • Enjoy enhanced security with Chip and PIN verification.
Annual Fee
US$ 120.43
Purchase
Interest Rate
19.99%
Cash
Advance Rate
19.99%%
Minimum
Payment
5.00%
Learn more
  • Cash Back Rewards: The Scotiabank Mastercard Gold rewards your everyday spending with a tiered cash back program. Earn up to 4% on groceries and gas station purchases, 2% on pharmacy purchases and 1% on everything else. This means you’re constantly accumulating cash back, and it’s all conveniently credited to your account once a year in November.
  • Annual Cash Back Credit: Enjoy the convenience of receiving your accumulated cash back once a year in November as a credit applied directly to your account.
  • Security & Travel Assistance: Enjoy 24/7 emergency services through Mastercard Global Service and MasterAssist, providing support with lost/stolen cards, replacements, cash advances, and more.
  • Purchase Protection: Shop with confidence knowing your purchases are covered against theft or accidental damage for up to US$200 per occurrence.
  • Additional Cards: Get supplementary cards for family members and friends at no additional charge. This allows them to enjoy the same flexibility, convenience, and benefits as the primary cardholder.
  • Optional Credit Protection: Provide an extra layer of security for your loved ones with optional Credit Protection insurance, which can help cover your outstanding balance in case of death or critical illness.
  • Free Convenience Checks: Enjoy the flexibility of using free, personalized checks for various needs, like tuition payments or situations where credit cards aren’t accepted.
  • Know Your Fees Upfront: Scotiabank Mastercard Gold Card comes with easy-to-understand fees. For a complete breakdown, visit the Scotiabank Credit Card Rates & Fees Schedule.

Investment Disclosure - Managed Funds

Please note that past performance of managed funds, including unit trusts and mutual funds, does not guarantee future results. While historical performance can provide valuable insights into a fund’s track record and management capabilities, it should not be the sole basis for making investment decisions.

Managed funds are subject to market fluctuations, economic conditions and various other factors that may affect their performance. Investors should carefully consider their investment objectives, risk tolerance and financial situation before investing in any managed fund.

Additionally, it’s essential to conduct thorough research and consult with a qualified financial advisor to ensure that the selected managed fund aligns with your individual investment goals and preferences.

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Fixed Income Investment Disclaimer:

  • Interest Rate Risk: The value of your fixed income investment may decline if interest rates rise. As rates go up, investors may be able to earn higher returns on new investments, potentially making your existing fixed-rate investment less attractive.
  • Credit Risk: There is always the possibility that the issuer of a fixed income security, like a CD, may default on their obligation to repay your principal or interest. This risk is generally lower with government-backed securities but can be higher with corporate bonds.
  • Market Volatility: Even fixed income investments can experience some price fluctuation, especially in secondary markets where they may be sold before maturity.
  • Early Withdrawal Penalties: Some fixed income investments, like CDs, may impose penalties if you withdraw your funds before the maturity date.

Before investing in any fixed income product, carefully consider your investment goals, time horizon, and risk tolerance. It’s important to understand the specific features and risks associated with each type of investment. Consider consulting with a financial advisor to ensure these investments align with your overall financial plan.

This information is for general purposes only and does not constitute financial advice.

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Last Updated: March 8, 2024. 

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