scotiabank passport visa infinite card review
Updated September 30, 2021

Scotiabank Passport Visa Infinite Card Review: Your Chance To Earn Double On Daily Purchases

Credit Cards

We may receive a commission if you sign up or purchase through links on this page. Here's more information.

If you’re smart with how you use your credit cards, you can quickly rack up points, rewards, and travel miles.

When you sign up for Scotiabank Passport Visa Infinite, you’ll unlock tons of great features, perks, rewards, and benefits just by making your regular purchases.

This card is the perfect solution for Canadians looking to earn some serious rewards with a trusted banking institution.

The Scotiabank Passport Infinite Visa is changing the landscape of Canadian credit cards, offering an industry-leading fee-free foreign transaction policy.

That’s right, you won’t pay any fees on foreign transactions, making this the perfect card for frequent travelers.

In our Scotiabank Passport Visa Infinite card review, we’ll go over the fee structure, reward offerings, benefits information, and so much more to help you decide if this card is right for you.


Nobody likes paying fees, and with the Scotiabank Passport Visa Infinite, you’ll be able to save on some of the most common credit card transaction fees.

Here’s what you need to know about fees and savings with this card and how you can save on pesky fees.

Foreign Transaction Fees

As we mentioned, this card has zero foreign transaction fees, making it in a class of its own.

Many people don’t even realize that financial institutions often tack heavy fees onto every one of your foreign transactions, with some fees as high as 3% or more.

Those fees can really start to add up, even after just a few transactions.

Whether you’re a frequent business traveler or enjoy taking trips with your family, there’s no reason to pay additional foreign transaction fees if you don’t have to.

Annual Fees

There is an annual fee that you’ll need to pay, but considering the impressive lineup of features that we’ll go over later in this article, the fee is more than worth it.

Currently, the annual fee is $139 to have access to all of the perks, benefits, and rewards that this card has to offer.

You’ll receive one supplemental card for free, and each additional supplemental card comes with a $50 fee, making it easy for your family to have access to your line of credit.

When it comes to annual fees, the Scotiabank Passport Visa Infinite has a relatively low fee and gives you a host of great features and benefits.


In addition to no foreign transaction fees, this card also sets itself apart by its robust rewards program.

Offering substantial sign-up bonuses and an impressive ongoing rewards structure, you can really make your purchases go the extra mile when you use this card.

At the time of this writing, the Scotiabank Passport Visa Infinite is offering 25,000 bonus points if you spend $1,000 in purchases in the first three months.

Spend $40,000 or more annually and you’ll be rewarded with an additional 10,000 points.

Beyond the signup bonus, you’ll get 2 points for every $1 spent on designated categories, and 1 point for every $1 spent on all other categories.

Earn double points at eligible restaurants, grocery stores, entertainment venues, and even on your public transit costs.

With a wide range of categories that earn you double points, this card lets you earn virtually every day.

Not only will you earn points when you spend, but you’ll also earn points when your family members use the supplemental cards, making it even easier to rack up significant points.

Redeeming Points

The redemption process is very simple and straightforward.

As one of the top travel credit cards in Canada, you can put your reward points toward your next trip.

100 points equal $1 in travel rewards, meaning your signup bonus and annual bonus alone provide you with hundreds of dollars in travel benefits.

You need a minimum of 5,000 points in order to redeem them toward travel, but when you do accumulate enough points, you can easily cash out your rewards in the rewards portal.

Even if you don’t book your trip through the Scotiabank travel portal, you can apply your points toward the trip if you charge the trip to your card, making it incredibly simple to use your points for significant trip discounts.

Card Benefits

The Scotiabank Passport Infinite Visa has some awesome perks and benefits available to all cardholders.

Aside from no foreign transaction fees and an industry-leading rewards program, you’ll get additional benefits such as complimentary airport lounge access and access to an exclusive travel booking service.

When you sign up for the card, you’ll get free Priority Pass membership that you can use at any participating airport.
You’ll also get free access to exclusive airport lounges up to six times per year, allowing you to travel in style.

Use the exclusive travel service to quickly book trips and redeem reward points with no blackout dates or restrictions.

In addition to these great benefits, you’ll get free Avis Preferred Plus access, Visa Infinite Concierge service, and access to exclusive hotel deals and discounts.

Scotiabank Passport Visa Infinite Travel Insurance

Have peace of mind when you travel with world-class insurance included at no additional cost to you.

You’ll get emergency medical insurance for up to 25 consecutive days for those under 65, and up to 10 consecutive days for those over 65.

This alone is one of the most generous insurance policies from any credit card provider in Canada.

If you charge a minimum of 75% of your total trip cost to your Scotiabank Passport Visa Infinite card, you’ll also receive trip interruption insurance completely free.

In fact, you’ll also get insurance for flight delays and travel accidents.

If you incur expenses due to a flight delay, you’ll be reimbursed with flight delay insurance if the airline does not reimburse you directly.

Lose your bags along the way? You’re covered with delayed and lost baggage insurance.
Finally, you’ll be protected with collision insurance for your rental car, meaning you’re fully covered if you get in an accident.

As you can see, you’re getting an incredible lineup of insurance for your trip and purchases, which is why the Visa Infinite is such a popular choice for travelers.

Additional Protections

There are even more fantastic protections that you get just by using your card for purchases.

If you use your card to book a hotel in the United States or Canada, you’ll be covered if your room is broken into.

Comprehensive Hotel and Motel burglary insurance reimburses you if your belongings are stolen on your trip.

Protect your everyday purchases with an incredible extended warranty protection.

Simply purchasing items on your card doubles the manufacturer’s warranty up to a maximum of one year, and most purchases are covered with loss and theft insurance.

If you make a purchase and the price of that item drops within two months, you’re covered with automatic price protection.

Whether it’s for loss, damage, or a travel delay, filing an insurance claim is simple and straightforward.

You can complete the entire claim process online or you can speak to a representative for filing assistance.

Interest Rates

Scotiabank has a very straightforward interest rate for the Visa Infinite card, offering competitive interest rates on purchases and cash advances.

The interest rate on the Passport Visa Infinite is currently 19.99% for purchases and 22.99% for cash advances.

While the interest rates could certainly be lower, and may be more attractive if well-qualified cardholders could get lower interest rates, it’s nice to see a set interest rate that isn’t consistently changing.

Qualifying and Signing Up

There are specific requirements that you must meet in order to be eligible for the Scotiabank Passport Visa Infinite card.

If you’ve recently moved to Canada and you don’t have established credit, you can still be eligible for the card if you meet the other requirements.

This policy is very user-friendly and makes it one of the most accessible credit cards in Canada.

Most cards require both established credit history and a minimum credit score in order to be eligible, which can restrict some consumers from having access to credit cards.

There are three income requirements, and in order to be eligible for the card, you must meet at least one of them.

First, you’re eligible if you alone have a minimum annual income of $60,000. If you don’t meet the minimum $60,000 annual income requirement but your household has an income of at least $100,000, you also qualify.

Dual income households often have an easier time becoming eligible than solo applicants.

The third eligibility option is having a minimum of $250,000 in assets under management.

Remember, you just need to meet one of these requirements in order to be eligible for the card.

All accepted applicants have a minimum credit line of $5,000, but that can certainly be higher based on factors such as credit, income, and overall qualification.

Customer Support

There is no shortage of fantastic customer support, both online and in person.

From the application process to redeeming your rewards, you will have access to live support for all of your questions and concerns.

If you prefer face to face interactions, you can quickly schedule an appointment at one of the Scotiabank branches.

It takes just a few minutes to schedule an appointment through the online scheduling tool.

You can also call Scotiabank live support to get fast, expert advice and support when it comes to your card questions and issues.

According to the support site, it takes less than 10 minutes to reach a live representative over the phone.

You can apply for the card entirely online, and you’ll get an application decision in just minutes.

Whether you like a fully-online experience, face to face interactions, or a little of both, Scotiabank has a great selection of support options to help you with all of your needs.

Our Verdict

It’s easy to see why the Scotiabank Passport Visa Infinite is one of the top credit card options in Canada.

  • First and foremost, the zero foreign transaction fee policy is a great reason to sign up for the card.
  • Even if you travel just once or twice a year, you can save significantly by eliminating your foreign transaction fees.
  • Having to pay 2-3% or more on every transaction adds up quickly, and with the Passport Visa Infinite, you can take your savings and do even more on your trip.
  • In addition to an exciting zero foreign transaction policy, you’ll get awesome signup bonuses and recurring bonuses just for using your card.
  • If you use your card for everyday purchases such as groceries, dining, and entertainment, you earn points and rewards twice as fast.
  • Offering even more solid perks such as airport lounge access, travel insurance, and price protection, the Scotiabank Passport Visa Infinite is the ideal card for the frequent international traveler.

We hope our Scotiabank Passport Infinite review has given you all the information you need to help you decide if this card is right for you.

Do you use the Scotiabank Passport Visa Infinite when you travel? Tell us about your experience in the comments below!


Logan Allec, CPA

Logan is a practicing CPA and founder of Choice Tax Relief and Money Done Right. After spending nearly a decade in the corporate world helping big businesses save money, he launched his blog with the goal of helping everyday Americans earn, save, and invest more money. Learn more about Logan.

Back to top  
Notify of
Inline Feedbacks
View all comments