Scotiabank Passport® Visa Infinite* Card Review
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Recommended Credit Score:
670 900
Average to Excellent
$300
Welcome Bonus Value
$139
Annual Fee
19.99%
Purchase Interest Rate
$60,000
Min Personal Required
Scotiabank Passport®  Visa Infinite* Card
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My Rate Compass Rating: star star star star star_outline (4.3)
Bank Name:Scotiabank
Network Type:VISA
Scotiabank Passport® Visa Infinite* Card
Welcome Bonus
Annual Fee
$139
Scotiabank Passport®  Visa Infinite* Card
Card Details
Welcome bonus:


Earn up to 40,000 bonus Scotia Rewards points in your first year (that’s up to $400 towards travel ) Plus, no annual fee in the first year, including on supplementary cards and 5X Scotia Rewards points on Travel for the first 3 months (up to $2,500 in total travel purchases).

  • Earn 30,000 bonus Scotia Rewards points when you spend $1,000 in everyday eligible purchases in the first 3 months.
  • Earn 10,000 bonus Scotia Rewards points when you spend at least $40,000 in everyday eligible purchases annually.
  • Redeem your Scotia Rewards points towards statement credits, travel, the latest in tech, gift cards and more!


• Earn 2x Scotia Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases and daily transit purchases (including buses, subways, taxis and more)
• Enjoy no FX Mark-up
• Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year
• Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.
Insurance
  • Priority airport services No
  • Airport lounge access Yes
  • Concierge service Yes
  • Balance protection(Optional) No
  • Purchase Security & Extended Protection Insurance Yes
  • Flight delay insurance,Baggage Insurance Yes
  • Vehicule rental insurance Yes
  • Travel accident insurance Yes
  • Travel medical insurance Yes
Fees and Eligibility
Fees
  • Annual Fee: $139
  • Additional Card Fee: $0
  • Purchases Interest Rate: 19.99%
  • Cash Advance Interest Rate: 22.99%
Eligibility
Personal Income Required: $60000
  • You're a Canadian resident
  • You've reached the age of majority in your province or territory
Recommended Credit Score:
670 900
Average to Excellent
Our Rating
My Rate Compass Rating: star star star star star_outline (4.3)
Rating Methodology: My Rate Compass's ratings are determined by our editorial team. Our editors rate credit cards objectively based on the benefits and features the credit card offers, interest rates, the fees, and how a credit card compares with other cards in its category. Credit card rating methodology
Editorial Guidelines: Learn more about our editorial guidelines here.
Pros and Cons

No FX Mark-Up: You will not be charged a Foreign Currency Conversion mark-up on foreign currency purchases whether you make them online or outside of Canada. Only the exchange rate applies.

Complimentary Airport Lounge Access: Enjoy complimentary Priority Pass membership, plus 6 free visits per year from the date of enrolment. You must present your Priority Pass Membership Card (or Digital Membership Card) to enter the lounges. Enroll in your Complimentary Airport Lounge Access benefit offered through Priority Pass by visiting prioritypass.com/scotiabankpassport now.

Travel without worry with many travel insurance benefits

Book and redeem easily

Book your next getaway through the Scotia Rewards Travel Service and take advantage of the Best Price Guarantee9on airfare. Or book travel wherever you like (through a travel agency or online) and redeem Scotia Rewards points to cover the cost of your trip.

 

Editor's Review

The Scotiabank Passport™ Visa Infinite*Card offers 2 points for every $1 spent on grocery store, dining, entertainment, and transit purchases, and 1 point per $1 on everything else. That’s hardly best-in-class, so why does the Scotiabank Passport™ Visa Infinite* Card tie for best Scotiabank travel credit card?

Two reasons: a very lucrative bonus point offer and no foreign transaction fees.

Let’s start with the bonus points. You earn 30,000 welcome points when you spend $1,000 in the first 3 months. That’s worth up to $300, is easy to obtain, and is a solid reason to try this card for a year.

But wait, there’s more. Every year you charge $40,000 to your Scotiabank Passport™ Visa Infinite* Card, you’ll get 10,000 bonus points. If you can hit the $40,000 minimum each year, the 10,000 bonus points will nearly cancel out the $139 annual fee.

If that wasn’t enough, the Scotiabank Passport® Visa*doesn’t charge any foreign transaction fees. It comes with a suite of travel insurance benefits, Visa Infinite benefits, and includes six free airport lounge passes.

1 For a limited time, open a new Scotiabank Passport Visa Infinite credit card and you can earn 30,000 bonus Scotia Rewards points with your first $1,000 in everyday eligible purchases made within the first 3 months. Plus no annual fee in the first year, including on supplementary cards, and 5X Scotia Rewards points on Travel for the first 3 months (up to $2,500 in total travel purchases) (collectively with the 30,000 bonus point offer, the “Offer”). Offer ends October 31, 2021. Conditions apply - see below for further details. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Plus, as a Scotiabank Passport Visa Infinite credit cardholder you are always eligible to earn an annual 10,000 Scotia Rewards point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply - see below for further details.

Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Bonus Point Offer Description and Conditions: To qualify for the 30,000 bonus Scotia Rewards points (the “Bonus Offer”), you must have at least $1,000 in eligible purchases posted to your new Scotiabank Passport Visa Infinite credit card account (“Account”) within the first 3 months. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The 30,000 Bonus Offer points will be credited to the primary cardholder’s Scotia Rewards account within approximately 2-3 business days following the qualifying $1,000 in eligible purchases being posted to your Account within 3 months from the Account open date, provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Bonus Offer applies to new Accounts only opened by October 31, 2021.

Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only.

5X Scotia Rewards Points on Travel Offer Description and Conditions: You will earn 5 Scotia Rewards points per $1 charged to the Account for eligible purchases in Canadian currency at merchant locations classi?ed as Travel within the first 3 months of the Account open date (the “Promotional Period”) up to $2,500 in total travel purchases. After the Promotional Period, you will earn 1 Scotia Reward point for every CAD$1 spent on eligible Travel purchases. You will earn the accelerated Scotia Rewards points (5X ) under the Scotia Rewards Program (the “Program”) if you make purchases in Canadian currency only. For purchases that are made in foreign currency, you will only earn 1 Scotia Rewards point for every $1 charged to the Account once that foreign currency has been converted into Canadian dollars. The accelerated earn rate applies to purchases made at Visa merchants in the Travel category and recognized by our systems with the Merchant Category Codes or identifiers: airlines & air carriers, airports, flying fields, and airport terminals; lodgings, hotels, motels and resorts, trailer parks and campgrounds; steamship and cruise lines; travel agencies and tour operators, automobile rental agency, motor home and recreational vehicle rentals. These Merchant codes/identifiers and categories are subject to change. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classi?ed by Visa in another manner, in which case this Offer would not apply. The regular 1X Travel points will be credited shortly after a debit transaction for a purchase has been posted to the Account. The additional 4X Travel points will be credited to the Account within 60 days.
Cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions), interest, fees or other charges, card payments and returns, refunds or other similar credits do not earn Scotia Rewards points
Scotia Rewards points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or to an Account that is not open when the statement is issued. For full program terms and conditions, visit www.scotiarewards.com.
Annual Bonus Point Conditions: As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scotia Rewards point bonus starting at 10,000 Scotia Rewards points when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scotia Rewards points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges.

The Annual bonus Scotia Rewards points will be credited within approximately 2-3 business days after you have met the $40,000 annual spend threshold on the Account and within approximately 2-3 business days after you have met each additional $10,000 annual spend threshold on the Account, provided your Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholders(s) is not in breach of the Revolving Credit Agreement that applies to the Account.

Rates and Fees: The current annual fee is $139 for the primary card, $0 for one additional supplementary card and $50 for each additional supplementary card thereafter.
The current preferred annual interest rates for this Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.