Last updated:
Jul 31, 2025
Annual Fee:
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Interest Rates 20.99% to 22.99%
Suggested Credit Score: 680+
Key Benefits
No FX Fees
Airport lounge access
Travel Insurance
About this card
The Scotiabank Passport Visa Infinite card offers strong value for frequent travelers. It earns Scene+ points on everyday and travel purchases, eliminates the usual 2.5% foreign currency transaction fee, and includes travel perks like airport lounge access and comprehensive insurance. Its $150 annual fee can be offset by smart usage—like foreign spending and redeeming points at a 1¢ value for travel expenses. Awards from Milesopedia and Rewards Canada highlight its strength.
Scotiabank Passport® Visa Infinite Card
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American Express
Cobalt® Card
The American Express Cobalt® Card is a choice for Canadians who prioritize earning rewards on everyday spending, particularly in categories like dining, groceries, and streaming services. Its flexible Membership Rewards program and strong earn rates make it especially appealing to those who can maximize its benefits.
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/ per year
Rogers™ World Elite® Mastercard®
This card stands out for its high cash-back rates on U.S. dollar purchases and enhanced rewards for Rogers-affiliated customers. The inclusion of travel insurance and lounge access perks adds value, especially for frequent travelers. However, the benefits are most pronounced for those who meet the income criteria and are existing Rogers, Fido, or Shaw customers.
No Foreign Transaction Fees – Converts currency at the mid‑market rate with zero markup.
Generous Signup Bonus – Up to 45,000 Scene+ points (35K after $2K in 3 months, +10K annual with $40K spend).
Airport Lounge Access – Six free lounge visits annually through Visa Airport Companion.
Strong Travel Insurance – Includes emergency medical (up to $1 million), trip cancellation/interruption, flight delay, baggage, rental collision insurance, and hotel burglary coverage.
Bonus Points Categories – 3× at Sobeys/IGA/Safeway/FreshCo, 2× on groceries, dining, transit, entertainment; 1× elsewhere.
$150 Annual Fee – Though offset by savings, it's still relatively high.
Income Requirement – Minimum $60K personal or $100K household income (or $250K in assets).
Limited Lounge Access – Only six complimentary visits; additional visits cost around USD 32.
Cap on Bonus Rates – Accelerated earning capped at $50K annually.
Not Ideal for Non‑Travellers – Lacks perks like checked-bag credits or U.S. lounge networks; weaker value for domestic-only use.
45,000 Scene+ Points:
35,000 after $2,000 spend in first 3 months.
10,000 annually after $40,000 total spend.Supplementary Card: First added card free, extra $50 each afterward.
Annual Fee Waiver: Available if you hold certain Scotia bank account packages.
Income: Minimum $60,000 personal or $100,000 household, or $250,000 in assets.
Credit Score: Requires a good to excellent credit score—typically 680+ on Equifax/FICO.