Canada · Scotiabank · Visa

Scotiabank Passport Visa Infinite Card

C$150 annual fee · 1x on everything else · no foreign transaction fees

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

Everything that changed, across the catalog →

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 on issuer travel portal, pays only at the issuer's travel portal. Elsewhere in that category the card earns 4x, so the headline number is a loyalty 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.