Scotiabank · Visa · travel
Passport Visa Infinite
Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology
Terms read from Scotiabank's page on Oct 16, 2026.
Year 1, after fees
$700
Year 2+, after fees
$450
every year after
3 years, after fees
$1,600
Break-even
Month 1
Earn rate by category
Points at 1.00¢ each (cash or statement credit); published range 1¢ to 1¢. Source: Milesopedia points valuations, in effect since September 1, 2026.
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | $291 | $41 | $372 | Month 3 |
| Couple ($2,555/mo) | $564 | $314 | $1,191 | Month 1 |
| Family ($3,350/mo) | $700 | $450 | $1,600 | Month 1 |
| Frequent traveller ($3,880/mo) | $746 | $496 | $1,737 | Month 1 |
| Big spender ($7,960/mo) | $1,403 | $1,153 | $3,710 | Month 1 |
Who it suits
- People who spend a lot on groceries and dining, where it earns above its base rate.
- Even light spenders: on a student's $985 a month it still earns back its fee.
- Spending abroad: no foreign transaction fee.
Who should skip it
- Anyone below the published income minimum ($60,000 personal or $100,000 household).
Fees and rates
- Annual fee
- $150
- Foreign transaction fee
- None
- Purchase APR
- 20.99%
Rewards
- 4x on hotels and car rentals on Scene+ Travel
- 3x on sobeys, Safeway, IGA and other participating grocers (assumed half of grocery spending)
- 2x on dining, other groceries, entertainment and transit
- 1x on everything else
Eligibility and availability
- Income
- $60,000 personal or $100,000 household
- Or assets
- $250,000
- Provinces
- All (no restriction stated)
Scotiabank states $60,000–$80,000 individual, $100,000–$150,000 household or $250,000–$300,000 in assets; the lower figures are used.
Published requirements only. We don't estimate approval odds.
Assumptions
- Point value: Scene+ points at 1.00 cents each: no redemption style chosen, so cash or statement credit. Source: Milesopedia points valuations, in effect since September 1, 2026.
- Welcome bonus: 25,000 Scene+ points after $2,000 in purchases in the first 3 months. Your spending meets it in month 1.
- Travel portal: Portal-only rates aren't counted, since you book directly.
- Note: The annual 10,000-point bonus at $40,000 of spending isn't counted.
Perks, listed but not valued
- 6 lounge visits a year
- No foreign transaction fee
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's $450.
Scotiabank Gold American ExpressYear 2+ $940
American Express SimplyCash PreferredYear 2+ $936
CIBC Dividend Visa InfiniteYear 2+ $767
Head to head
Frequently asked questions
Is the Scotiabank Passport Visa Infinite worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth $700 in year 1 and $450 a year after that, after a $150 annual fee. It covers its fee by month 1.
What is the Scotiabank Passport Visa Infinite welcome offer?
25,000 Scene+ points after $2,000 in purchases in the first 3 months. The issuer lists it until Nov 1, 2026.
Does the Scotiabank Passport Visa Infinite charge foreign transaction fees?
No. The issuer states no foreign transaction fee.
What income do you need for the Scotiabank Passport Visa Infinite?
Scotiabank publishes a minimum of $60,000 personal income or $100,000 household income, or $250,000 in assets. Approval depends on more than income, and we don't estimate approval odds.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 39 other cards on the Canadian card comparison or read how cards are valued.