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Scotiabank Passport® Visa Infinite* Card

4.8/5

Up to 35,000 Scene+ points

Apply Now

Scotiabank Passport® Visa Infinite* Card

Apply Now

Rewards Calculator Algorithm

You can estimate your rewards by inputting your monthly or yearly spending habits.

Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.

Your Spending

Modify your spending numbers and click update to get the most accurate reward estimates.

$2,000

Restaurant, Fast Food & Coffee Shop

Grocery

Recurring Purchases (Bills, Subscriptions, Rent via Chexy)

Gas

Transportation

Entertainment (Movies, Concerts, etc.)

Foreign Purchases (Non $CAD)

Travel (Flights, Hotels, etc.)

Pharmacy

Online Shopping

Home Improvement (Renovation, Furniture)

Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey

Other Purchases Not Specified

Card Details
Rewards
Scotiabank Passport® Visa Infinite* Card Points Calculator
Insurance & Benefits
Pros & Cons
Scotiabank Passport® Visa Infinite* Card Review
Legal

Card Details

Based on $2,000 spending

First Year Value

$443.9

$193.9 in years after

Annual Rewards

$343.9

Scene+

First Year Bonus

$250

Scene+

Annual Fee

$150

First Year Value

$443.9

$193.9 in years after

Interest Rates

Cash Advance: 22.99%

Purchase: 20.99%

Balance Transfer: 22.99%

Annual Fee

$150

Annual Income

Personal: $60,000

Household: $100,000

Credit Score

Good

Welcome Bonus

Earn 25,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months. Plus, as a Scotiabank Passport Visa Infinite cardholder, you are eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually. Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the 25,000 bonus points offer. All cardholders remain eligible to earn an annual 10,000 Scene+ point bonus with an annual spend of at least $40,000. Expires January 2, 2025.

Card Type

Category: Points

Loyalty Program: Scene+

Our Rating

4.8/5

Voted Best Foreign Exchange Credit Card in 2024

Institution

Scotiabank

Rewards^†

3 Points on on every $1 you spend at Sobeys, Safeway, IGA, Foodland & Participating Co-ops
2 Points dining and at other eligible grocery stores, entertainment purchases which includes movies, theatre, and ticket agencies and Rides which includes rideshare, buses, taxis, subways and more
1 Point on everything else

Scotiabank Passport® Visa Infinite* Card Points Calculator

Based on $2,000 spending

Rewards Ranking

Compare Using Calculator

Rewards Breakdown

Grocery stores participating in Scene+ Reward program

3,096 points

All other categories with bonus points

18,546 points

All other purchases

12,748 points

Annual Fee

- $150

Net Annual Rewards

34,390 points

Valued at $193.9 (after fees)

Rewards Summary

Net Annual Rewards

34,390 points

Valued at $193.9 (after fees)

First Year Card Bonus

25,000 points

Valued at $250

First Year Card Value

59,390 points

Valued at $443.9

Point Redemptions

First Year Bonus

Redemptions Chart

Entertainment and Experiences

$443.9

Travel

$443.9

Groceries (At Sobeys)

$443.9

Gift Cards

$289.49

Restaurants

$443.9

Merchandise

$301.37

Statement Credits

$265.73

Insurance & Benefits†

Insurance

Coverage

Emergency Out of province Medical
$2M/insured up to 25 days
Emergency Medical Over 65
$2M/insured up to 3 days
Trip Cancellation
$1,500/person, $10,000/trip
Trip Interruption
$2,500/person, $10,000/trip
Flight Delay
$500/person after 4 hours
Lost or Stolen Baggage
$1000
Baggage Delay
$1000
Travel Accident
$500,000/insured, $1M combined
Car Rental Damage & Theft
$65,000 up to 48 days
Hotel Burglary Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year

Benefits

Details

No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada
Airport Lounge - Dragon Pass
6 Free complimentary visits
Status lift
Avis® Preferred Plus membership
Concierge Services
Visa Infinite Exclusive Benefits

Pros & Cons

Pros

High Rewards on Select Purchases: Earn up to 3 points per $1 spent on select categories.
No Foreign Transaction Fees: Shop abroad without additional charges.
Comprehensive Insurance: Includes 11 types of insurance coverage.
Airport Lounge Access: Enjoy up to 6 airport lounge passes per year through the Visa Airport Companion program.

Cons

High Income Requirements: Requires $60,000 personal or $100,000 household income.
Lower Overall Rewards: Rewards potential is lower compared to premium credit cards.
High Annual Fee: Comes with a significant annual fee.
Average Insurance Coverage: Insurance benefits are standard, not exceptional.
Mediocre Earnings Potential: The card’s rewards structure might not offer the highest returns for every spender.

Scotiabank Passport® Visa Infinite* Card Review

Choosing a credit card for travel isn't easy. You want to opt for a card with great benefits, wide acceptability, and a reasonable annual fee. Luckily, there's the Scotiabank Passport Visa Infinite Card!

The card offers lounge access with 6 complimentary visits, no foreign transaction fees—a feature offered by very few other cards—operates on the Visa network, meaning it's accepted by most merchants globally, and provides many other essential insurance options and benefits.

Because of this, we have crowned this card the Best Travel Credit Card in Canada!

Let's dive into more details on what this card has to offer:

How you Earn Rewards

3 Scene+ Points on on every $1 you spend at Sobeys, Safeway, IGA, Foodland & Participating Co-ops
2 Scene+ Points dining and at other eligible grocery stores,entertainment purchases which includes movies, theatre, and ticket agencies and Rides which includes rideshare,buses,taxis, subways and more
1 Scene+ Point on everything else

You also earn 25,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases within your first 3 months. Plus, you can earn an additional 10,000 bonus Scene+ points after spending $40,000 annually.

In general, you will be able to earn average rewards with this card because most of your purchases will likely fall into the 2 points category. Since the points are valued at almost 1 cent each, the effective cashback rate will be around 2%. While it’s not the best in terms of rewards, it’s not the worst either! Remember, for a good travel card, the benefits take higher priorty over the reward rate.

How Scotiabank Passport Visa Infinite Card Rewards Can be redeemed

Redeeming points optimally is usually not easy with many credit card programs, but Scene+ points might be one of the big exceptions. You can redeem them for travel, groceries, entertainment, and experiences with maximum value. Even if you don't travel or engage in much entertainment, you definitely buy groceries, so there's always a good opportunity to easily redeem your points for maximum value.

There's always the option to redeem for gift cards and merchandise but those give a lower value than the other options and therefore not recommended.

Reasons and Benefits to have Scotiabank Passport Visa

1. No Foreign Transaction Fee

When you're traveling abroad and using your credit card to make purchases in a foreign currency, you'll usually face some extra fees. While the exchange rate on your card is often pretty good, most cards add a 2.5% foreign transaction fee on top of the total, which can make using your card less affordable.

The good news is that some credit cards don’t charge this 2.5% fee, making them the best option for buying things abroad. Since it’s an expensive perk for banks to offer, not many cards include it. Some that do are on the American Express network, so they aren’t as widely accepted as Visa, especially in Europe. Other cards might not charge the fee but don’t offer rewards on international purchases.

The big exception is the Scotia Passport Visa card, which not only waives the foreign transaction fee but also earns rewards on those purchases, making it the best foreign transaction fee card available in Canada.

2. Comprehensive list of travel insurance

When choosing a credit card, it's important to make sure it offers all the key travel insurance options, without leaving anything out. The Scotiabank Passport Visa card is a great choice, as it comes with a comprehensive list of 12 different types of insurance. One of the most important coverages, which many cards skip, is trip cancellation and interruption insurance — but the Scotia Passport card includes it!

It's also rare for credit cards to offer emergency out-of-province medical insurance for people over 65, but the Scotiabank Passport Visa card includes 3 days of coverage for this group as well! This makes it an even more valuable option for older travelers who want added peace of mind.

3. Lounge visit with a higher number of visits

The card also comes with DragonPass lounge access, offering 6 complimentary visits, which is more generous than the typical 4 visits provided by other cards with this benefit. For frequent travelers, those 2 extra visits are the cherry on top of everything else the card offers!

Downsides of the Scotiabank Passport Visa Infinite Card

1. Not a great reward card

If your goal is to maximize cashback or points, this card might not be the best option on its own — or at least, it should be paired with another card. The Scotia Passport Visa is best used when you're traveling, so you might want to rely on a different card for everyday purchases when you're not abroad.

2. Annual Fee and requirements

If you're looking for a card with no annual fee or one that's easy for everyone to qualify for, this isn't the right choice. The Scotia Passport Visa has a $150 annual fee, and approval requires a high credit score along with meeting a minimum income requirement.

Scotiabank Passport Visa Infinite Card Comparison to some similar cards

	Scotiabank Passport® Visa Infinite* Card	Scotiabank Gold American Express® Card	TD Aeroplan® Visa Infinite* Card
Welcome Bonus	Up to 35,000 Scene+ points	Up to 45,000 Scene+ points ($450 value)	Up to 40,000 Aeroplan® points
Earn Rates	3 Points on on every $1 you spend at Sobeys, Safeway, IGA, Foodland & Participating Co-ops 2 Points dining and at other eligible grocery stores, entertainment purchases which includes movies, theatre, and ticket agencies and Rides which includes rideshare, buses, taxis, subways and more 1 Point on everything else	6 Points per $1 spent at Sobeys, Safeway, IGA, Foodland & Participating Co-ops 5 Points per $1 spent on eligible dining, other grocery stores, entertainment purchases including movies, theatre, and ticket agencies 3 Points per $1 spent on rides which includes rideshare, buses, taxis, subways and more 3 Points per $1 spent on eligible streaming service payments (Netflix, Spotify, Disney+, Crave and more) 1 Point per $1 spent on all other eligible purchases	1.5x Aeroplan points per $1 spent on gas, groceries, Air Canada and Air Canada vacations (maximum 120,000 points annually) 1x Aeroplan point per $1 spent on all other eligible purchases
Insurance Included	12 types Emergency Out of province Medical $2M/insured up to 25 days Emergency Medical Over 65 $2M/insured up to 3 days Trip Cancellation $1,500/person, $10,000/trip Trip Interruption $2,500/person, $10,000/trip Flight Delay $500/person after 4 hours Lost or Stolen Baggage $1000 Baggage Delay $1000 Travel Accident $500,000/insured, $1M combined Car Rental Damage & Theft $65,000 up to 48 days Hotel Burglary Insurance $1,000 Purchase Protection 90 days Extended Warranty 1 year	13 types Emergency Out of province Medical $1M, Up to 25 days Emergency Medical Over 65 $1M, Up to 3 days Trip Cancellation $1500/person, $10000/trip Trip Interruption $1500/person, $10,000/trip Lost or Stolen Baggage $500/person, $1000/trip Baggage Delay $500/person, $1,000/trip After 4 hours Flight Delay $500/person Travel Accident $500K/person, $1M/occurrence Car Rental Damage & Theft $65K up to 48 days Hotel Burglary Insurance $1000/occurrence Mobile Device Insurance $1,000 Purchase Protection 90 days Extended Warranty Up to 1 year	13 types Emergency Out of province Medical 21 days Emergency Medical Over 65 4 days Trip Cancellation $1,500 Trip Interruption $5,000 Flight Delay $500 Baggage Delay $1,000 Lost or Stolen Baggage $1,000 Travel Accident $500,000 Car Rental Damage & Theft yes Hotel Burglary Insurance $2500 Purchase Protection 90 days Extended Warranty 1 year Mobile Device Insurance $1,000
Perks	5 perks No Foreign Transaction Fees Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada Airport Lounge - Dragon Pass 6 Free complimentary visits Status lift Avis® Preferred Plus membership Concierge Services Visa Infinite Exclusive Benefits	4 perks No Foreign Transaction Fees Avoid the 2.5% foreign transaction fees incurred when spending in non $CAD American Express® Experiences Concierge Services Discount Discount on PriorityPass Membership	10 perks Free first checked bag First checked bag is free for primary cardholder on WestJet flight and up to 8 guests Nexus Program Rebate $100 every 4 years Visa Infinite Exclusive Benefits Concierge Services Golf Benefit Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S Extra points Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores Extra points Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore Status lift Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $10,000 of net purchases Car Rental Discount 10% off base rate of Avis Rent A Car and Budget Rent A Car Trip and legal Assistance
Annual Fee	$150	$120	$139
Income Requirements	$60,000 personal or $100,000 household	$12,000 personal or $12,000 household	$60,000 personal or $100,000 household
Apply Now	Apply Now	Apply Now	Apply Now

How to Apply for the Scotiabank Passport Visa Infinite Card

To apply for the Scotiabank Passport Visa Infinite* Card, follow these steps:

Click on the “Apply now” button on the Scotiabank website.
Specify if you are a current or new Scotiabank customer. If you’re an existing customer, log in; otherwise, proceed as a new applicant.
Review the card's terms and conditions, then click "Agree and continue."
Fill in your personal information (name, contact details, etc.) and create a username and password.
Provide financial details, including your income and employment status.
Upload any necessary documentation, if requested.
Finally, review and submit your completed application.

Conclusion

If you travel frequently, the Scotiabank Passport Visa Infinite* Card is a great option to keep in your wallet. Its no foreign transaction fee feature and extensive insurance coverage can help you save significantly over time.

FAQ

Is Scotia Passport Visa Infinite First year fee waived?

The first-year fee for the Scotiabank Passport Visa Infinite* Card is no longer waived as it once was. However, you can still have the fee waived by signing up for certain premium chequing accounts offered by Scotiabank, like the Ultimate Package.

Is Scotia Passport Visa Infinite Worth it?

Absolutely, if it fits your needs. For frequent travelers, the no foreign transaction fees, travel perks, and comprehensive insurance make it a highly valuable card. However, if you rarely travel, you may benefit more from a card with rewards tailored to your everyday spending.

Legal

^†See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.

Scotiabank Passport® Visa Infinite* Card

Card Details

Rewards^†