Scotiabank Passport Visa Infinite Card Review 2025: 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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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 45,000 Scene+ points (an estimated value of $450, 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 45,000 bonus Scene+ points in the first year.
To qualify:
Earn 35,000 bonus Scene+ points when you spend at least $2,000 on everyday eligible purchases in the first three months.
Earn an annual 10,000 Scene+ point bonus if you spend at least $40,000 eligible purchases annually.
If you meet the requirements to earn all the welcome offer points, your account will be credited in two installments:
35,000 bonus Scene+ points will be credited approximately eight weeks after the qualifying $2,000 has been posted to your account.
10,000 bonus Scene+ points will be credited approximately eight weeks after you have met the $40,000 annual spend threshold.
Offer effective as of July 2, 2025.
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.
In the first year of ownership, it's possible to up to $1,380+ in total value out of the card, according to the issuer’s website, which more than offsets the annual fee. Here's what earning that value might look like:
$350 in travel rewards (35,000 bonus Scene+ points).
$100 in travel rewards (10,000 bonus Scene+ points).
$50 supplementary card annual fee waiver on the first supplementary card.
$136 in foreign transaction fee savings (based on average first year annual foreign spend per account).
$381 in first year point earn potential — 38,100 Scene+ points — on everyday purchases (based on average spend of 20% in 2X accelerator categories).
$366 value with a complimentary Visa Airport Companion Program Membership and 6 lounge passes.
To understand the card’s potential value for you, consider how your spending compares to these examples, such as the amounts you plan to spend in accelerated earning categories, how often you plan to travel, and whether you plan to make foreign transactions.
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.
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 breakdown
NerdWallet's take
NerdWallet's take
Card details
Card details
Rewards breakdown
Rewards breakdownNerdWallet's take
NerdWallet's takeCard details
Card detailsReasons 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 | 45,000 bonus Scene+ points.
Offer effective as of July 2, 2025. |
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?
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?
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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