[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/moneydoneright.com\/passive-income\/cash-back-and-rewards\/credit-cards\/scotiabank-passport-visa-infinite-card-review\/#Article","mainEntityOfPage":"https:\/\/moneydoneright.com\/passive-income\/cash-back-and-rewards\/credit-cards\/scotiabank-passport-visa-infinite-card-review\/","headline":"Scotiabank Passport Visa Infinite Card Review: Your Chance To Earn Double On Daily Purchases","name":"Scotiabank Passport Visa Infinite Card Review: Your Chance To Earn Double On Daily Purchases","description":"If you\u2019re smart with how you use your credit cards, you can quickly rack...","datePublished":"2019-01-29","dateModified":"2021-09-30","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/logan-allec\/#Person","name":"Logan Allec, CPA","url":"https:\/\/moneydoneright.com\/author\/logan-allec\/","identifier":4,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6e74dd0453a5871d1dcfde6d40d9494765ca8bfdb01927cefee4564d4bee9075?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6e74dd0453a5871d1dcfde6d40d9494765ca8bfdb01927cefee4564d4bee9075?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/02\/scotiabank-passport-visa-infinite-card-review.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/02\/scotiabank-passport-visa-infinite-card-review.jpg","height":667,"width":1000},"url":"https:\/\/moneydoneright.com\/passive-income\/cash-back-and-rewards\/credit-cards\/scotiabank-passport-visa-infinite-card-review\/","about":["Credit Cards"],"wordCount":1864,"articleBody":"If you\u2019re 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\u2019ll 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\u2019s right, you won\u2019t pay any fees on foreign transactions, making this the perfect card for frequent travelers.In our Scotiabank Passport Visa Infinite card review, we\u2019ll go over the fee structure, reward offerings, benefits information, and so much more to help you decide if this card is right for you.Table of ContentsToggleFeesForeign Transaction FeesRewardsCard BenefitsInterest RatesQualifying and Signing UpCustomer SupportOur VerdictFeesNobody likes paying fees, and with the Scotiabank Passport Visa Infinite, you\u2019ll be able to save on some of the most common credit card transaction fees.Here\u2019s what you need to know about fees and savings with this card and how you can save on pesky fees.Foreign Transaction FeesAs we mentioned, this card has zero foreign transaction fees, making it in a class of its own.Many people don\u2019t 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\u2019re a frequent business traveler or enjoy taking trips with your family, there\u2019s no reason to pay additional foreign transaction fees if you don\u2019t have to.Annual FeesThere is an annual fee that you\u2019ll need to pay, but considering the impressive lineup of features that we\u2019ll 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\u2019ll 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.RewardsIn 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\u2019ll be rewarded with an additional 10,000 points.Beyond the signup bonus, you\u2019ll 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\u2019ll also earn points when your family members use the supplemental cards, making it even easier to rack up significant points.Redeeming PointsThe 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\u2019t 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 BenefitsThe 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\u2019ll 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\u2019ll get free Priority Pass membership that you can use at any participating airport.You\u2019ll 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\u2019ll get free Avis Preferred Plus access, Visa Infinite Concierge service, and access to exclusive hotel deals and discounts.Scotiabank Passport Visa Infinite Travel InsuranceHave peace of mind when you travel with world-class insurance included at no additional cost to you.You\u2019ll 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\u2019ll also receive trip interruption insurance completely free.In fact, you\u2019ll also get insurance for flight delays and travel accidents.If you incur expenses due to a flight delay, you\u2019ll be reimbursed with flight delay insurance if the airline does not reimburse you directly.Lose your bags along the way? You\u2019re covered with delayed and lost baggage insurance.Finally, you\u2019ll be protected with collision insurance for your rental car, meaning you\u2019re fully covered if you get in an accident.As you can see, you\u2019re 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 ProtectionsThere 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\u2019ll 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\u2019s 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\u2019re covered with automatic price protection.Whether it\u2019s 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 RatesScotiabank 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\u2019s nice to see a set interest rate that isn\u2019t consistently changing.Qualifying and Signing UpThere are specific requirements that you must meet in order to be eligible for the Scotiabank Passport Visa Infinite card.If you\u2019ve recently moved to Canada and you don\u2019t 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\u2019re eligible if you alone have a minimum annual income of $60,000. If you don\u2019t 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 SupportThere 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\u2019ll 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 VerdictIt\u2019s 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\u2019ll 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!"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Passive Income","item":"https:\/\/moneydoneright.com\/passive-income\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Cash Back And Rewards","item":"https:\/\/moneydoneright.com\/passive-income\/\/cash-back-and-rewards\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"Credit Cards","item":"https:\/\/moneydoneright.com\/passive-income\/\/cash-back-and-rewards\/\/credit-cards\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"Scotiabank Passport Visa Infinite Card Review: Your Chance To Earn Double On Daily Purchases","item":"https:\/\/moneydoneright.com\/passive-income\/cash-back-and-rewards\/credit-cards\/scotiabank-passport-visa-infinite-card-review\/#breadcrumbitem"}]}]