Scotiabank · Visa

Scotiabank Passport Visa Infinite Card

Cash back · No foreign transaction fee · Travel points, earns Scene+ points

Annual fee$150

Foreign transaction feeNone

Purchase rate20.99%

Income requirementPersonal $60,000 or Household $100,000

Welcome offer

Verified · Oct 4

Up to 35,000 Scene+ points

Earn 25,000 points when you spend $2,000 in the first 3 months, plus 10,000 points when you spend $40,000 within a year.

Minimum spend: $40,000 in 12 months
Apply by: November 1, 2026

Most people end up with the first 25,000 points. The last 10,000 points take $40,000 in spending within a year.

Checked on October 4, 2026. See the source page

See this card on the issuer's website ↗

Fees and requirements

Annual fee: $150
Foreign transaction fee: None
Purchase rate: 20.99%
Cash advance rate: 22.99%
Income requirement: Personal $60,000 or Household $100,000
Costco in store: Not accepted (Costco takes only Mastercard in store)

Fees and rates were imported on September 6, 2026, and the annual fee has been checked.

Welcome offer history

Earlier offers are struck through below, to help you judge whether now is a good time to apply. The current offer is 25,000 points less than the previous one on record. The highest offer on record was 60,000 points.

Now · Checked October 4, 2026Up to 35,000 Scene+ pointsSpend $40,000 in 12 months · Annual fee $150 · No first-year waiver
January 2, 2026 · Reported publicly at the timeUp to 60,000 Scene+ pointsSpend $40,000 in 12 months · Annual fee $150 · No first-year waiver · 40,000 of these come after $2,000 in spending in the first 3 months · Apply-by date listed then: July 1, 2026
Before January 2, 2026 · Reported publicly at the time~~Up to 45,000 Scene+ points~~

Offers marked “Reported publicly at the time” ran before I started tracking this card myself (October 4, 2026). The numbers are second-hand, from reports published then, and I did not see those offers myself. Conditions the reports did not mention are not listed here.

Rewards

What each category earns

Valued at 1 cents per point. That is an assumption

Category	Earn per $1	Effective return
Groceries	2× Scene+	about 2%
Dining and delivery	2× Scene+	about 2%
Gas and EV charging	1× Scene+	about 1%
Recurring bills	1× Scene+	about 1%
Transit	2× Scene+	about 2%
Drugstores	1× Scene+	about 1%
Travel	1× Scene+	about 1%
Entertainment	2× Scene+	about 2%
Phone and internet	1× Scene+	about 1%
Streaming	1× Scene+	about 1%
Online shopping	1× Scene+	about 1%
Convenience stores	1× Scene+	about 1%
Office supplies	1× Scene+	about 1%
Other spending	1× Scene+	about 1%

High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. Imported on September 6, 2026, not checked line by line.

Benefits

Concierge: Yes
Lounge visits per year: 6

Included insurance

Travel medical: Included
Travel medical (age 54 and under): $1,000,000, 25 day(s)
Travel medical (age 64 and under): $1,000,000, 25 day(s)
Travel medical (age 65 and over): $1,000,000, 3 day(s)
Trip cancellation: $1,500
Trip interruption: $2,500
Travel accident: $500,000
Flight delay: $500
Baggage delay: $1,000
Lost baggage: $1,000
Rental car collision: $65,000, 48 day(s)
Hotel burglary: $1,000
Extended warranty: 1 year
Purchase protection: 90 day(s)

Coverage amounts and number of days are as stated in the certificate of insurance.

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