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Mr. Loonie
Scotiabank Passport™ Visa Infinite Business Card

Scotiabank Passport™ Visa Infinite Business Card

8.1
Very good
Expert Score · 4 reviews How we score

Best for: Business owners who travel and want lounge visits and no foreign transaction fee

Your spending a month
What’s in each?
Solo:
Office supplies $100, shipping $50, phone and internet $150, software $150, online ads $200, gas $250, restaurants $200, travel $250, everything else (base rate) $1,050, foreign currency $100
Small team:
Office supplies $250, shipping $200, phone and internet $300, software $400, online ads $600, gas $500, restaurants $400, travel $400, everything else (base rate) $2,650, foreign currency $300
Growing:
Office supplies $500, shipping $600, phone and internet $600, software $1,000, online ads $2,000, gas $1,000, restaurants $800, travel $1,200, everything else (base rate) $6,300, foreign currency $1,000
Year one
$1,771
Every year after
$1,371

Ranked #12 of 27 business cards for year one. See the list

See how we worked it out
Welcome offer you’d get
$400
The full offer. Up to 40,000 Scene+ points.
Annual fee
$199 a year
Apply now on Scotiabank’s site (opens in a new tab)
Needs $60,000 personal or $100,000 household income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from Scotiabank’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $1,150 or more a month on everything?

Is your personal income $60,000 or more, or your household’s $100,000 or more?

Do you pay your card off in full most months?

Answer the 3 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: Welcome offer up to 40,000 Scene+ points About $400 at our value for these points.
  • Good: No foreign transaction fee Good for travel and shopping in other currencies.

Watch for

  • Watch for: $199 a year You need about $1,150 a month on everything to earn it back.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With small team spending of $6,000 a month.

Scene+ points valued at 1¢ each.

  • Office supplies $45
    1.5 points per $1 · 1.5% back $250 a month · 4,500 Scene+ points a year
  • Shipping $36
    1.5 points per $1 · 1.5% back $200 a month · 3,600 Scene+ points a year
  • Phone and internet $54
    1.5 points per $1 · 1.5% back $300 a month · 5,400 Scene+ points a year
  • Software $72
    1.5 points per $1 · 1.5% back $400 a month · 7,200 Scene+ points a year
  • Online ads $108
    1.5 points per $1 · 1.5% back $600 a month · 10,800 Scene+ points a year
  • Gas $90
    1.5 points per $1 · 1.5% back $500 a month · 9,000 Scene+ points a year
  • Restaurants $72
    1.5 points per $1 · 1.5% back $400 a month · 7,200 Scene+ points a year
  • Travel $72
    1.5 points per $1 · 1.5% back $400 a month · 7,200 Scene+ points a year
  • Everything else $477
    1.5 points per $1 · 1.5% back $2,650 a month · 47,700 Scene+ points a year
  • Foreign currency $54
    1.5 points per $1 · 1.5% back $300 a month · 5,400 Scene+ points a year
For you Year one Later years
Points you earn108,000 Scene+ points a year, at 1¢ each $1,080 $1,080
Welcome offer40,000 Scene+ points you’d reach $400 $0
Annual fee −$199 −$199
Foreign currency feeNo fee on $3,600 a year $0 $0
Lounge visits4 visits at $45 $180 $180
Travel medical insurance2 trips at $50 $100 $100
Rental car damage cover2 rentals of 3 days at $35 a day $210 $210
Total $1,771 $1,371

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Everything else (base rate)
1.5 points per $1
How Scene+ points work, and why 1¢

We count Scene+ points at 1¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.6¢ to 1¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the full offer?

At $6,000 a month, here’s when you’d reach each step.

  1. 1

    30,000 Scene+ points · about $300

    Spend $5,000 in your first 3 months.

    You’d reach it in month 1.

    • On purchases within the first 3 months.
    • Plus, earn a bonus 10,000 points when you spend at least $60000 in everyday eligible purchases on your Account in your first year.
  2. 2

    10,000 Scene+ points · about $100

    Spend $60,000 in your first 12 months.

    You’d reach it in month 10.

Offer ends Feb 28, 2027.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $60,000 or more Issuer says
  • Household income $100,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

8.1
Very good
Expert Score How we score
  • Frugal Flyer (opens in a new tab) May 2026

    “The Scotiabank Passport® Visa Infinite Business* card is a great option for small business owners who want an easy-to-understand rewards system in Scene+™, while still receiving travel-related benefits that could benefit their business. Paired with a reasonable annual fee that is often waived as part of the welcome bonus, this card definitely offers value to the business owner who is looking to improve their existing credit card setup.”

  • Yore Oyster (opens in a new tab) Jan 2023

    “The Scotiabank Passport Visa Infinite Business Card is worth it. It comes with a very generous welcome bonus and comprehensive insurance protection. You will also have access to Visa Infinite travel benefits, car rental discounts, and more”

  • SAVVY New Canadians (opens in a new tab) Aug 2022
    10

    “The Scotiabank Passport Visa Infinite Business card’s main selling point is not just the lack of foreign transaction fees which is a first for a business credit card. It also offers a plethora of other benefits that small business owners will appreciate: a 1.5x rewards earning rate on all purchases, complimentary airport lounge access, comprehensive travel insurance, expense management tools, and more.”

  • Money We Have (opens in a new tab) Jan 2022

    “My Scotiabank Passport Visa Infinite Business review is positive. If you’re a small business owner that makes frequent purchases in a foreign currency, then you need to get this card now since it represents an instant savings of 2.5%. There’s no need to worry about dynamic currency conversion, just make your purchases and pay the mid-market rate set by Visa.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical $1,000,000 per person
  • Trip cancellation Included
  • Trip interruption Included
  • Flight delay Included
  • Baggage delay Included
  • Lost baggage Included
  • Hotel burglary Included
  • Lounges: Dragonpass 6 free visits
  • Complimentary Airport Lounge Access (plus 6 free visits per year from the date of enrolment)
  • Manage Visa Business card expenses more efficiently
  • Visa Payment Controls Service
  • Complimentary Avis Preferred Plus membership
  • Visa Infinite Benefits
  • Travel Emergency Medical Insurance
  • Trip Cancellation / Trip Interruption Insurance
  • Flight Delay Insurance
  • Delayed and Lost Baggage Insurance
  • Hotel/Motel Burglary Insurance
  • Liability Waiver Insurance Program
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read Scotiabank’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: mobile device.

Fees and interest

What it costs

Annual fee
$199 a year
Purchase interest
20.99%
Cash advance interest
22.99%
Foreign currency fee
None
All fees and rates

Fees

Extra cards
None
Cash advance fee
$5.00, For transactions processed by Scotiabank, any financial institution in Canada, Scotiabank ABM, any non-Scotiabank ABM displaying Interac+ symbol ; $7.50 for transactions obtained at any ABM or processed by any financial institution outside of Canada
Balance transfer fee
$5.00
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With small team spending. This card: $1,771 year one, $1,371 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the Scotiabank Passport™ Visa Infinite Business Card?

$199 a year.

How much is the Scotiabank Passport™ Visa Infinite Business Card welcome offer worth?

Up to 40,000 Scene+ points, about $400. You get it in 2 steps: 30,000 Scene+ points after you spend $5,000 in the first 3 months; 10,000 Scene+ points after you spend $60,000 in the first 12 months.

What income do I need?

Scotiabank asks for $60,000 in personal income.

Does it charge a foreign transaction fee?

No. Purchases in other currencies have no extra fee.

What is the interest rate?

20.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection, travel emergency medical insurance and trip cancellation / trip interruption insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$1,771
year one for you
Apply now on Scotiabank’s site (opens in a new tab)
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