Scotia Travel Oro
MX$1,402 annual fee · 0.5% on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 0.5% | uncapped |
See more Mexico credit cards →
What we have watched change
Differences between one check of the issuer's page and the next — not a reconstruction of the card's history. We only know what we were watching when it moved.
- Annual fee Scotia Travel Oro annual fee rose from $1,209 to $1,402.44. 2026-09-16
Non-cash perks
- ScotiaPesos redeem 1:1 for pesos / travel
- Welcome ~2,500 ScotiaPesos
- Interest-free months abroad
Does the fee earn out? · how we got this
The MX$1,402 fee minus MX$0 in printed credits leaves MX$1,402/yr to earn back through rewards — roughly MX$280,488 of spending at the base rate. Whether that clears depends on your actual spending.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Spending outside its bonus categories. Everything else earns 0.5%, worth about 0.5¢ per dollar at our value for cash back — less than the 1¢ a plain cash-back card pays on the same dollar. This card only wins where its bonus categories do.
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-15 against issuer terms · sources: www.scotiabank.com.mx · www.scotiabank.com.mx. Spot an error? Tell us.