Scotiabank Passport Visa Infinite Card
C$150 annual fee · 1x on everything else · no foreign transaction fees
Terms verified 2026-09-15 against issuer terms · welcome offer re-checked 2026-09-14
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Groceries | 2x | on the first C$50,000/year |
| Dining | 2x | on the first C$50,000/year |
| Entertainment | 2x | on the first C$50,000/year |
| Transit | 2x | on the first C$50,000/year |
| Rideshare | 2x | on the first C$50,000/year |
| Everything else | 1x | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
4x | uncapped |
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What we have watched change
Differences between one check of the issuer's page and the next — not a reconstruction of the card's history. We only know what we were watching when it moved.
- Earn rate Scotiabank Passport Visa Infinite Card now earns 4x on issuer travel portal. 2026-09-16
Signup bonus: 25,000 points after C$2,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Plus 10,000 bonus Scene+ at $40,000 annual spend; sold as the 'Passport Visa Infinite +' Bonus figure confirmed on the issuer's page 2026-09-14.
Non-cash perks
- No foreign transaction fee
- 6 airport lounge passes/year (Visa Airport Companion)
- Comprehensive travel insurance
Does the fee earn out? · how we got this
The C$150 fee minus C$0 in printed credits leaves C$150/yr to earn back through rewards — roughly C$7,500 of groceries spending at 2x (valuing Scene+ points at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 4x, pays only on travel booked through the issuer's travel portal. The same booking made anywhere else earns its base 1x, so the headline number is a portal rate rather than a category rate — which is why no ranking on this site counts it.
- A heavy groceries spender. The 2x on groceries stops after C$50,000 of it per year. Past that the same purchases earn its base 1x, so the headline rate describes the first C$50,000 only.
More from Scotiabank
- Scotia Momentum Visa Infinite Card C$120/yr
- Scotiabank Gold American Express Card C$120/yr
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-15 against issuer terms · sources: www.scotiabank.com. Spot an error? Tell us.