Overview of the Scotiabank Passport™ Visa Infinite* Card
Earn rewards
On Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2 points/$1On other eligible grocery stores, dining, eligble entertainment puchases and eligible daily transit options (including rideshares, buses, subways taxis and more), restaurants (including fast food & drinks), travel (including flights, hotels, taxis, public transit)
1 point/$1On other purchases
Scotiabank Passport™ Visa Infinite* Card details
- Welcome bonus
- earn up to $1,300 in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived. Offer ends July 1, 2024.
- Annual fee
- $150 (first year waived)
- Reward
- Earn 3x points on Sobeys, Safeway, IGA, Foodland and participating Co-ops and more, 2x points on other eligible grocery stores, dining, eligble entertainment puchases and eligible daily transit options (including rideshares, buses, subways taxis and more), restaurants (including fast food & drinks), travel (including flights, hotels, taxis, public transit), 1x points on other purchases
- Average point value
- $0.01
- Purchase interest rate
- 20.99%
- Cash advance interest rate
- 22.99%
- Balance transfer interest rate
- 22.99%
- Minimum income
- $60K/yr
- Household income
- Any amount
- Recommended credit score
- 725+
- Network
- VISA
- Provider
- Scotiabank
- Card type
- Travel
Detailed card summary
Benefits & features
- Ratehub.ca’s 2024 Credit Card Award Winner
- Earn up to $1,300* in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived¹
- Earn 3x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating
Co-ops and more - Earn 2x Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligble entertainment puchases and eligible daily trasit options(including rideshares, buses, subways taxis and more)
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
- No Foreign Transaction Fee
- 6 Complimentary Airport Lounge Access
- Comprehensive Travel Insurance coverage
- Visa Infinite* Concierge Services
- Visa Infinite* Hotel Collection
- Visa Infinite* Dining and Wine Country program
-
Rates, fees and other information are effective as of Jan.4, 2024. Subject to change
How to redeem
Redemption flexibility
HIGH
Redeem your points against any travel purchase on your statements
How to get approved
Eligibility
- Minimum income $60K/yr
- Household income Any
- Recommended credit score 725+
- You are a permanent Canadian resident and have reached the age of majority in the province in which you live.
Ratehub review
Natasha Macmillan
The Scotiabank Passport Visa Infinite card makes a great vacation companion, designed for Canadians who travel abroad and explore the world. It is one of the few cards that covers foreign transaction fees, and also includes valuable travel benefits like airport lounge access.
Pros
- No foreign transaction fee: Save 2.5% on all non-Canadian currency purchases
- Scene+ points: Earn three Scene+ points per $1 spent at participating grocery stores (e.g., Sobey’s, IGA, and FreshCo) and two Scene+ points per $1 spent on eligible grocery, dining, entertainment, and daily transit purchases
- Flexible redemption: Enjoy flexible point redemption options including for travel, groceries, statement credits, gift cards, and movie tickets
- Airport lounge access: Access airport lounges with six free visits per year to over 1,200 lounges worldwide
- Visa Infinite benefits: Benefit from the Visa Infinite Luxury Hotel Collection, Visa Infinite Dining series, and complimentary Avis Preferred Plus membership
- Comprehensive travel insurance: Enjoy coverage for emergency medical, trip cancellation/interruption, flight delays, and more
Cons
- Annual fee: The annual fee of $150 is higher than some comparable cards
- Low point return: The earn rate for certain spending categories like dining and entertainment is lower compared to other cards
- Consistent point values: Travel points are always worth one cent per point and you can’t transfer your points to other airline rewards programs like you can with some Amex cards
Legal
Savings and Reward potential in the first 12 months based on the following card usage and offers:
$300 in travel rewards(30,000 bonus Scene+ points) when you spend $1000 within the first 3 months;
$100 in travel rewards(10,000 bonus Scene+ points) when you spend $40,000 annually on your account each year (12 months);
$150 primary card fee waiver for the first year;
$50 additional card fee waiver on your first additional card(including those issued to co-borrowers and supplementary cardholders)every year;
$104 in foreign transaction fee savings based on average first year annual foreign spend per account(save the 2.5% foreign transaction fee typically chrged by other card issuers);
$287 in travel rewards(28,733 Scene+ points) on every day purchases based on average annual first year spend per account with an average spend of 19% in 2x accelerator categories;
$350 value with a complementary Visa Airport Companion Program Membership and 6 lounge passes(annual membership plus one free visit approx. CAD $136/USD$99 plus 5 lounge passes at CAD$43/USD$31 per pass). Currency Conversions as of November 9,2023.
Potential First Year Value= up to $1,341
Actual Savings and rewards earned will depend on individual card usuage and eligibility for applicable offers. Conditions apply*.
Offer Description and Conditions¹: The 30,000 bonus Scene+ Points Offer and First Year Annual Fee Wiaver (the “Offer”) applies only to new Scotiabank Passport Visa Infinite credit card accounts (“Accounts”) that are opened by July 1, 2024 subject to the conditions below. We will waive the annual fee for the primary card issued before July 1,2024 on the Account for the first year only. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.
Plus, as a Scotiabank Passport Visa Infinite credit cardholder, you are always eligible to earn an annual 10,000 Scene+ points bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply-see below further details.
30,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 30,000 bonus Scene+ points (the “Bonus Offer”), you must have at least $1,000 in eligible purchases posted to your new Account within the first 3 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges. The 30,000 Bonus Offer points will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days following the qualifying $1,000 in eligible purchases being posted to your Account within 3 months from the Account open date, provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Bonus Offer applies to new Accounts only opened by July 1, 2024. All other terms and conditions of the Program Terms continue to apply during the Offer period.
10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.
The Annual bonus Scene+ points will be credited within approximately 2-3 business days after you have met the $40,000 annual spend threshold on the Account and within approximately 2-3 business days after you have met each additional $10,000 annual spend threshold on the Account, provided your Account is open and in good standing (as defined above).
First Year Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card issued before July 1, 2024 on the Account for the first year only.
Offer Eligibility and Exclusions: 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 offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.
Rates and Fees:The current annual fee is $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for this Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.
To qualify for these offers, make sure to open a new Scotiabank Passport Visa Infinite credit card account by July 1, 2024.
To qualify for the 40,000 bonus Scene+ points:
1. Earn 30,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months.
2. 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 net eligible purchases annually.
Once you qualify, we’ll credit your account in 2 instalments:
1. 30,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days following the qualifying $1,000 in net purchases being posted to your Scene+ membership Account in your first 3 months.
2. Annual 10,000 bonus Scene+ points will be credited to your Scene+ membership account within approximately 2-3 business days after you have met the $40,000 annual spend threshold.
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 30,000 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.
See terms and conditions below¹ for full details.