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Review: Scotiabank Passport Debit Card

Rewards credit cards are an excellent way to treat yourself for responsible spending. By charging everyday purchases to your card, you can earn redeem points for free hotels, flights, gift cards, electronics, and other merchandise.

But using credit cards for everyday spending isn’t for everyone — if you know credit cards aren’t a good choice for you, you can still earn rewards by using the Scotiabank Passport Debit Card.

The Passport debit is exactly like a traditional debit card linked to your chequing account, but lets you earn up to 1 Scotia Rewards point for every $5 spent. Points can be redeemed for a variety of rewards including hotels, flights, gift cards, and merchandise from retailers such as Apple and Best Buy. Movie lovers can also convert Scotia Rewards points to Scene points, and vice versa.

Three chequing account options

The Passport debit card can be linked to one of three Scotiabank chequing accounts:

Account

Monthly feeNumber of monthly transactionsMonthly
self-serve transactions
Monthly
teller-assisted transactions
Monthly free Interac
e-transfers
Scotia One Chequing Account$13.95 Unlimited UnlimitedUnlimited 2
Basic Banking Plan $10.95 25 25 25 2
Basic Banking Account $3.95 12 12 42


Doubling up on rewards

At up to 1 point earned for every $5 spent, the rewards for this debit card aren’t as competitive as what you would earn with one of Canada’s best credit cards. That said, if you’re confident you can use a credit card responsibly and pay it off every single month, you could leverage the Scotiabank Passport debit card to earn even more points by pairing it with a Scotiabank credit card such as the Scotiabank Passport Visa Infinite or the Scotiabank Gold American Express, which have much more competitive points-earning schemes and allow you to earn a meaningful volume of Scotia Rewards points much faster.

Whether you use the Scotiabank Passport debit card as your primary or secondary source of rewards points, this debit card is a good way to make your everyday purchases work for you.

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