Scotiabank Passport Visa Infinite Card Review 2026: Is It Worth It?
The Scotiabank Passport® Visa Infinite* Card is a travel rewards card that earns Scene+ points, a reward program from Scotiabank and Cineplex. Points can be redeemed for entertainment, travel, dining and more.
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Points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more.
Points for every $1 you spend on other eligible grocery stores, dining purchases, entertainment purchases, and eligible daily transit options (including rideshares, buses, subways, taxis and more).
Point for every $1 spent on all other eligible everyday purchases.
A competitive travel card that earns up to 3x Scene+ points on everyday purchases, and comes with six complimentary airport lounge visits and no foreign transaction fees. While you can earn accelerated points (3x) on travel purchases, they must be made through the Scene+ Travel platform, which may feel limiting for some users. Best for: Frequent travellers who shop regularly at Scene+ partner grocery stores, spend big abroad and are looking for airport lounge access.
Pros
- Free airport lounge membership and six free visits per year.
- No foreign transaction fees.
- Free Avis Preferred Plus membership.
Cons
- An above-average $150 annual fee for a travel card.
- Top earn rate (3x on groceries) only applies to Sobeys and its subsidiary stores.
- Must book through Scene+ Travel platform to earn 3x points on travel.
- Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points¹
- 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, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways, taxis and more).
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
- Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
- 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 2, 2026. Subject to change.
- *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.
What our Nerd thinks:
"As far as travel cards are concerned, the Scotiabank Passport® Visa Infinite* Card is missing a few perks that may be a dealbreaker for the seasoned jet-setter, like free checked bags and priority boarding. Still, I think it shines as a mid-tier travel card with plenty to offer everyday spenders and travel enthusiasts alike."
Scotiabank Passport® Visa Infinite* Card full review
Scotiabank Passport® Visa Infinite* Card is one of four Visa credit cards offered from Scotiabank that earn Scene+ points. It has the highest earn rate of the three cards, with 3x Scene+ points per dollar spent at eligible grocery stores.
People who travel regularly, spend money abroad and shop at eligible grocery stores will get the most value out of the Scotiabank Passport® Visa Infinite* Card.
No foreign transaction fees.
Complimentary membership to the Visa Airport Companion Program and six free airport lounge passes per year.
Complimentary Avis Preferred Plus membership.
Access to Visa Infinite Concierge Service, Visa Infinite Luxury Hotel Collection, which includes automatic room upgrades and in-room Wi-Fi, and Visa Infinite Dining and Wine Country — an exclusive dining program.
Annual fee ($150) may not be in everyone’s budget.
Highest earn rate (3x Scene+ points) is only available for select grocery stores.
Is the Scotiabank Passport® Visa Infinite* Card worth it?
The Scotiabank Passport® Visa Infinite* Card may be worth it if you can make the most of the benefits and perks to offset the annual fee. If you’re able to spend the required amount within the first year of ownership, you can earn the welcome bonus of 60,000 Scene+ points (an estimated value of $600, according to NerdWallet’s analysis).
You’ll also save money on foreign transactions, which carry a 2.5% fee on most Canadian credit cards, and on airport lounge access. So if you’re planning to travel abroad or fly a lot in the first year, the card could be a good option for you.
» MORE: Best credit cards with airport lounge access
Scotiabank customer ratings
Above average in customer satisfaction: Scotiabank ranks 8th out of 14 issuers in J.D. Power’s 2025 Canada Credit Card Satisfaction Study.
Low Trustpilot rating: 1.2 out of 5 possible stars based on over 1,300 customer reviews, as of this writing.
Low Better Business Bureau rating: 1.2 out of 5 possible stars based on over 65 customer reviews, as of this writing.
Scotiabank Passport® Visa Infinite* Card eligibility
Who qualifies for the Scotiabank Passport® Visa Infinite* Card?
To apply for the Scotiabank Passport® Visa Infinite* Card, you must:
Be at least the age of majority in your province.
Be a Canadian resident.
Have not filed for bankruptcy in the last seven years.
Have an individual annual income of at least $60,000 (or $100,000 per household) or at least $250,000 in managed assets.
Approximate credit score needed for approval
Canadian credit card issuers rarely disclose required credit scores, which makes it hard to know your chances of approval when comparing credit cards. However, higher scores generally mean better chances of approval, and that’s true regardless of the type of credit you’re applying for.
Want to learn more? Visit our “What Credit Score is Needed for a Credit Card?” page.
Scotiabank Passport® Visa Infinite* Card rewards
Earn 60,000 bonus Scene+ points in the first year.
To qualify:
Earn 40,000 bonus Scene+ points when you spend at least $2,000 on everyday eligible purchases in the first three months.
Earn 10,000 bonus Scene+ points when you spend at least $10,000 on everyday eligible purchases in the first six months.
Earn an annual 10,000 Scene+ point bonus if you spend at least $40,000 eligible purchases annually.
Offer effective as of Jan 2, 2026.
Earn 3x Scene+ points at select grocery stores.
Earn 2x Scene+ points on dining and groceries from other stores.
Earn 2x Scene+ points on entertainment, such as movie tickets.
Earn 2x Scene+ points on transit, such as taxis, rideshares and subways.
Earn 1x Scene+ point on everything else.
Earn up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals and things to do with Scene+ Travel, Powered by Expedia.
Point value breakdown
The value of Scotiabank Scene+ points may vary based on the redemption method you choose, but you can expect to get around one cent per point on travel, movies, dining, entertainment, banking, and retail, pharmacy and grocery shopping, according to NerdWallet’s analysis.
Rewards calculator: See how many points you can earn
Scotiabank Passport® Visa Infinite* Card vs TD® Aeroplan® Visa Infinite* Card
These two cards share similar annual fees, interest rates and Visa Infinite perks, but differ when it comes to rewards. If you’re keen on racking up Scene+ points, the Scotiabank Passport® Visa Infinite* Card is the better choice, but if you’re an Air Canada fan, the TD® Aeroplan® Visa Infinite* Card can help you earn Aeroplan points.
Rewards breakdown
Rewards breakdownPoints on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more.
Points for every $1 you spend on other eligible grocery stores, dining purchases, entertainment purchases, and eligible daily transit options (including rideshares, buses, subways, taxis and more).
Point for every $1 spent on all other eligible everyday purchases.
NerdWallet's take
NerdWallet's takeA competitive travel card that earns up to 3x Scene+ points on everyday purchases, and comes with six complimentary airport lounge visits and no foreign transaction fees. While you can earn accelerated points (3x) on travel purchases, they must be made through the Scene+ Travel platform, which may feel limiting for some users. Best for: Frequent travellers who shop regularly at Scene+ partner grocery stores, spend big abroad and are looking for airport lounge access.
Pros
- Free airport lounge membership and six free visits per year.
- No foreign transaction fees.
- Free Avis Preferred Plus membership.
Cons
- An above-average $150 annual fee for a travel card.
- Top earn rate (3x on groceries) only applies to Sobeys and its subsidiary stores.
- Must book through Scene+ Travel platform to earn 3x points on travel.
Card details
Card details- Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points¹
- 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, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways, taxis and more).
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
- Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
- 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 2, 2026. Subject to change.
- *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.
Rewards breakdown
Rewards breakdownPoints for every $1 spent on eligible gas and electric vehicle charging purchases.
Points for every $1 spent on eligible grocery purchases.
Points for every $1 spent on eligible direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
Point for every $1 spent on all other Purchases made with your Card.
NerdWallet's take
NerdWallet's takeWith a full suite of travel insurances, free checked bags for up to 8 companions, family point sharing, rental car perks and no blackouts or restrictions on travel bookings, the TD Aeroplan Visa Infinite card checks a lot of boxes. However, the $139 annual fee may be too steep for some users, and anyone looking for airport lounge access won’t find it here. Best for: Families who fly Air Canada and spend big on everyday purchases.
Pros
- Rental car discounts.
- Free checked bags.
- NEXUS rebates.
Cons
- Low max earn rate (1.5x points).
- Slightly higher than average $139 annual fee for a travel card.
Card details
Card details- Up to $1,450 in value† including up to 45,000 Aeroplan points† could be yours and receive an annual fee rebate for the first year†. Conditions Apply. Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†. Earn 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening†. Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†.
- To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.
- Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- Earn 1.5 points† for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
- Earn 1 point† for every $1 spent on all other Purchases made with your Card.
- Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
- Interest Rates: 21.99% on purchases and 22.99% on cash advances.
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
- Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
- Travel lightly through the airport and save on baggage fees†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
- Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
- To be eligible, a $60,000 annual personal income or $100,000 household annual income is required. You must also be a Canadian resident and be the age of majority in the province or territory where you live.
- †Terms and conditions apply.
- This offer is not available for residents of Quebec.
- The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
Reasons you might want a different card
You may want a different card if:
You want to earn a different reward, like Aeroplan points, Air Miles or cash back.
You want a card with no annual fee or a lower annual fee.
You need a card with a low interest rate on purchases or balance transfers.
You don’t travel outside of Canada or make foreign purchases very often.
Scotiabank Passport® Visa Infinite* Card facts
Scotiabank Passport® Visa Infinite* Card | |
|---|---|
Card type | |
Fees and interest rates | |
Annual fee | $150 (can be waived with an eligible bank account). |
Regular/purchase APR | 20.99%. |
Penalty APR | 25.99% if you miss two payments within 12 months. This penalty APR will stay in place until you’ve made 12 consecutive payments on time. |
Cash advance APR | 22.99%. |
Cash advance fee | $5 to $7.50 per transaction. |
Balance transfer APR | 22.99%. |
Balance transfer fee | $5 per transaction (3% or $5 — whichever is greater — on promotional low rates). |
Foreign transaction fee | No foreign transaction fee. |
Rewards and benefits | |
Intro offer | 60,000 bonus Scene+ points. Offer effective as of Jan 2, 2026. |
Reward earn rates |
|
Insurance coverage | |
Travel accident | Up to $1 million, per occurrence. |
Travel medical | Up to $2 million. |
Flight delay | Up to $500. |
Trip interruption | Up to $10,000. |
Trip cancellation | Up to $10,000. |
Lost, stolen or delayed baggage | Up to $1,000. |
Hotel burglary | Up to $1,000. |
Rental car theft/damage | Up to 48 days. |
Extended warranty | Up to one additional year. |
Purchase protection | 90 days. |
Methodology
BACK TO TOPFrequently asked questions
Who is eligible for the Scotiabank Passport® Visa Infinite* Card?
To apply for the Scotiabank Passport® Visa Infinite* Card, you must be at least the age of majority in your territory, be a Canadian resident, have not filed for bankruptcy in the last seven years and have an annual income of at least $60,000 ($100,000 for households), or have at least $250,000 in managed assets.
Does the Scotiabank Passport® Visa Infinite* Card have lounge access?
The Scotiabank Passport® Visa Infinite* Card offers complimentary membership to the Visa Airport Companion Program, plus six free airport lounge passes per year.
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