Scotiabank Passport Visa Infinite +* Card Review 2026: Is It Worth It?
Nerdy Verdict
Best for:
Lounge regulars and cross-border spenders who put plenty of mileage on their passports.
Not ideal for:
Everyday rewards chasers, occasional travellers and anyone whose passport gathers dust.
Why we like it:
Six lounge visits make airport waits easier, no FX fees keep foreign purchases from costing an extra 2.5%, and Scene+ points are easy to use. It’s a solid travel card that doesn’t demand loyalty to one airline or a PhD in points optimization.
The Scotiabank Passport® Visa Infinite +* Card is built for international travel. Six annual airport lounge visits and no foreign transaction fees can justify the $150 fee for frequent travellers, while its everyday rewards are strongest at Scene+ grocery partners.
View details
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 $1,250 in first year welcome offers, rewards and savings*, including up to 35,000 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 Aug 4, 2026. Subject to change.
Scotiabank Passport® Visa Infinite +* Card full review
BACK TO TOPThe Passport earns its keep mainly through travel perks. It waives the foreign transaction fee most cards charge and includes six airport lounge visits a year. Its best earn rates are more selective: you’ll get 3 Scene+ points per $1 at participating Scene+ grocery stores, while the 4x rate applies only to eligible hotels, car rentals and activities booked through Scene+ Travel.
People who use the travel benefits will get the most value from the card. For occasional travellers, the $150 annual fee is harder to recover from rewards alone.
No foreign transaction fees, saving the typical 2.5% markup on foreign-currency purchases.
Six complimentary lounge visits each year through the Visa Airport Companion Program. Guests count against the six visits, and the primary cardholder must be present.
10GB of complimentary GigSky global data for 15 consecutive days each year.
Up to 10¢ per litre in value at Shell with a linked Shell Go+ account, although earning the maximum depends on fuel grade and promotional benefits.
Scene+ points can be applied to eligible travel booked with any provider within 12 months of the purchase.
The card costs $150 per year, which is difficult to offset if you rarely travel.
The 3x grocery rate is limited to participating Scene+ grocers, including Sobeys, Safeway, IGA and Foodland.
The 4x travel rate requires booking eligible hotels, car rentals and activities through Scene+ Travel; most other travel earns 1x.
No airline-specific benefits, such as free checked bags or priority boarding.
The card can be worth its $150 annual fee if you travel internationally and use airport lounges. Avoiding the typical 2.5% foreign transaction fee saves about $25 for every $1,000 spent in foreign currencies, so $6,000 of foreign spending would offset the fee before rewards.
Lounge access can add more value, but only if you use it: each guest counts as one of the six annual visits. The recurring 10,000-point bonus is worth about $100 at a one-cent redemption value but requires $40,000 in annual spending, so it should not drive the decision.
The current first-year 25,000-point introductory offer is worth about $250 when redeemed at one cent per point. It improves the immediate value but does not change the card’s long-term fit
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
BACK TO TOPWho 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 odds 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
BACK TO TOPNew cardholders can earn up to 35,000 bonus Scene+ points after the first year:
Earn 25,000 bonus Scene+ points after spending at least $2,000 on everyday eligible purchases in the first three months.
Earn 10,000 points annually after spending at least $40,000 on everyday eligible purchases each year.
Offer effective as of Aug. 4, 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.
Earn 10,000 bonus Scene+ points after spending $40,000 each year, plus 2,000 points for every additional $10,000 spent that year.
Point value breakdown
Scene+ points vary in value depending on how you redeem them, but to get the most from your rewards, we think you should aim to see a value of one cent per Scene+ point.
You can reach that when redeeming for travel, groceries, Home Hardware purchases or Cineplex rewards. A Scotiabank account credit is a weaker deal: 3,000 points gets you $20, or about 0.67 cents per point.
Rewards calculator: See how many points you can earn
BACK TO TOP+ EXPAND CALCULATOR
Scotiabank Passport® Visa Infinite +* Card vs other options
BACK TO TOPChoose the Scotiabank Passport® Visa Infinite +* card if you expect to use airport lounges, spend in foreign currencies or redeem Scene+ points against travel booked with different providers.
Or, consider other options:
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 $1,350 in value† including up to 40,000 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 15,000 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.
Rewards breakdown
Rewards breakdownPoints on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more.
Points for every $1 you spend on dining & food delivery. Includes popular food delivery and food subscriptions.
Points for every $1 you spend at other eligible grocery stores.
Points for every $1 you spend in Canada on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
Points for every $1 CAD you spend in Canada on eligible gas purchases.
Points for every $1 CAD you spend in Canada on eligible daily transit options. Includes rideshares, buses, subway, taxis and more.
Points for every $1 CAD you spend in Canada on eligible select streaming services.
Point for every $1 spent on all other eligible everyday purchases.
NerdWallet's take
NerdWallet's takeA well-rounded rewards earner that stands out for its top-tier rates in popular categories, like groceries and entertainment spending. Its waived foreign exchange fees and travel insurance will appeal to travellers, but there’s no complimentary airport lounge access, just discounted membership to Priority Pass. Best for: Travellers and families who spend big on groceries, restaurants and commuting and want to collect Scene+ points.
Pros
- Generous rewards rates of up to 6x Scene+ points.
- No FX fees.
- Priority Pass airport lounge membership discount.
Cons
- No complimentary airport lounge access.
- Highest earn rate only applies to dollars spent at Sobeys and its subsidiary stores.
Card details
Card details- Earn up to $950 in welcome offers, first year rewards and savings value and up to 50,000 bonus Scene+ points.¹
- Earn 6x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more
- Earn 5x Scene+ points¹ for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
- Earn 5x Scene+ points¹ for every $1 you spend in Canada eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
- Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more
- Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible select streaming services
- 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
- Comprehensive Travel Insurance coverage
- AMEX Offers®
- AMEX Front of the Line®
- American Express Invites®
- Complimentary Concierge Services
- Rates, fees and other information are effective as of July 2, 2026. Subject to change.
Choose the TD Aeroplan Visa Infinite if you fly Air Canada regularly and care more about free checked bags and Aeroplan benefits than lounge access or foreign-currency savings.
Pick if the Scotiabank Gold American Express instead if you want stronger Scene+ earning and no foreign transaction fees but do not need complimentary lounge visits and are comfortable with American Express acceptance.
Scotiabank Passport® Visa Infinite +* Card facts
BACK TO TOPScotiabank 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 | Earn up to 35,000 points: • Earn 25,000 bonus Scene+ points after spending at least $2,000 on everyday eligible purchases in the first three months. • Earn 10,000 points annually after spending at least $40,000 on everyday eligible purchases each year. Offer effective as of Aug. 4, 2026. |
Reward earn rates | Earn 3x Scene+ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating co-ops and more. Earn 2x Scene+ points 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). Earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases. 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. |
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.
Nerdy Verdict
Best for:
Lounge regulars and cross-border spenders who put plenty of mileage on their passports.
Not ideal for:
Everyday rewards chasers, occasional travellers and anyone whose passport gathers dust.
Why we like it:
Six lounge visits make airport waits easier, no FX fees keep foreign purchases from costing an extra 2.5%, and Scene+ points are easy to use. It’s a solid travel card that doesn’t demand loyalty to one airline or a PhD in points optimization.
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