[wpcode id=\"6346\"]
{{card.name}} Review

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Annual Fee
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Annual Rewards
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Intro Offer
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Annual fee
{{card.rewards}}
Annual rewards
{{card.introOffer}}
Intro offer
Pros
{{Pros}}
Cons
{{Cons}}
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Performance test results
At DollarWise, for each credit card we test 7 different factors including the rewards, value for money, perks, insurance, strengths and weaknesses of the card.
You can see our full testing methodology here to learn why we're the most trusted source for credit card reviews.
The {{card.name}} has earned a {{ranking}} DollarWise Rating out of 5. This score is based on a weighted average of the two highest scoring factors (excluding acceptance and approval).
{{factor_score_rewards}}
Rewards
{{factor_score_fee}}
Fees
{{factor_score_perks}}
Perks
{{factor_score_interest}}
Interest rates
{{factor_score_insurance}}
Insurance
{{factor_score_acceptance}}
Acceptance
{{factor_score_approval}}
Approval
The highest scoring categories for the {{card.name}} are {{score_1}} and {{score_2}}.
These factors are weighted 70% to the highest scoring factor and 30% to the second highest score to get an overall review score.
This weighting allows us to judge cards on their merits and the customers they are designed for.
For the {{card.name}} the most important factors for scoring this card are its {{score_1}} and {{score_2}}.
Rewards
With the {{card.name}}, here's the rates at which you earn rewards for different spending categories per dollar you spend:
Bills | {{reward_bills}} |
Pharmacy | {{reward_drug}} |
Gas | {{reward_gas}} |
Groceries | {{reward_grocery}} |
Restaurants | {{reward_restaurant}} |
Specific Stores | {{reward_store}} |
Travel | {{reward_travel}} |
All Other Spend | {{reward_other}} |
Calculating your annual rewards
We estimate that spending {{monthlyspend}} per month with the {{card.name}} would earn {{card.rewards}} in rewards over the year.
Our performance testing research uses an accurate estimation of the average Canadian households spending patterns to predict the rewards a card will earn.
We found that you'd earn this per category:
Bills | {{bills_dollarrewards}} |
Pharmacy | {{drug_dollarrewards}} |
Gas | {{gas_dollarrewards}} |
Groceries | {{grocery_dollarrewards}} |
Restaurants | {{restaurant_dollarrewards}} |
Specific Stores | {{store_dollarrewards}} |
Travel | {{travel_dollarrewards}} |
All Other Spend | {{other_dollarrewards}} |
Our study investigating the value found that each dollar spent on the {{card.name}} is worth up to {{card.max_reward}}, depending on how you redeem.
This {{card.rewards}} in rewards value puts the {{card.name}} in the {{decile.annual_rewards}} of credit cards in Canada based on rewards earned.
The average credit card in our database earns {{averages.mean_annual_rewards}} in rewards for the same spend that the {{card.name}} earns {{card.rewards}} in rewards value.
We can compare this card to other options by looking at the earn rate by category.
This earn rate is the percentage return that you would get when you spend on this card, assuming you redeem at the predicted maximum value.
For example, if a card earned 5 points per dollar on gas and each point is worth up to $0.02, then the earn rate is 5 points multiplied by $0.02 each, divided by the dollar you spent.
In this example, that's a 10% earn rate on gas.
Spend | This Card | Average |
---|---|---|
Bills | {{bills_earnrate}} | {{averages.mean_bills_earnrate}} |
Pharmacy | {{drug_earnrate}} | {{averages.mean_drug_earnrate}} |
Gas | {{gas_earnrate}} | {{averages.mean_gas_earnrate}} |
Groceries | {{grocery_earnrate}} | {{averages.mean_grocery_earnrate}} |
Restaurant | {{restaurant_earnrate}} | {{averages.mean_restaurant_earnrate}} |
Store | {{store_earnrate}} | {{averages.mean_store_earnrate}} |
Travel | {{travel_earnrate}} | {{averages.mean_travel_earnrate}} |
Other | {{other_earnrate}} | {{averages.mean_other_earnrate}} |
Redemption method | Annual rewards |
---|---|
Transfer to partner airlines | {{transfer_airlines}} |
Fixed points travel | {{fixed_points_travel}} |
Transfer to partner hotels | {{transfer_hotel}} |
Redeem for travel | {{redeem_travel}} |
Apply to statement credit | {{statement_credit}} |
Ticketmaster | {{ticketmaster}} |
Charity | {{charity}} |
Gift cards | {{gift_cards}} |
Amazon.ca | {{amazon}} |
Merchandise | {{merchandise}} |
Make investments | {{investments}} |
Enjoy experiences | {{experiences}} |
Car rentals | {{car_rental}} |
Vacations | {{vacation}} |
Attractions | {{attractions}} |
Cash rewards | {{cash_rewards}} |
Grocery rewards | {{grocery_rewards}} |
Restaurant rewards | {{restaurant_rewards}} |
Movie rewards | {{movie_rewards}} |
Apple / BestBuy | {{apple_bestbuy}} |
Flight rewards | {{flight_rewards}} |
Airlines Rewards (Charts) | {{airlines_rewards_chart}} |
CIBC financial products | {{cibc_financial_products}} |
Air travel - redemptions (scheduled) | {{air_travel_redemptions_schedule}} |
RBC travel | {{rbc_travel}} |
Transfer to WestJet | {{transfer_westjet}} |
Transfer to Hudson Bay | {{transfer_bay}} |
RBC financial products | {{rbc_financial_products_rewards}} |
Air Canada gift cards | {{aircanada_gift_card}} |
Air Canada vactions | {{air_canada_vacations}} |
Electronics gift cards | {{electronics_gift_cards}} |
Cash - World Elite | {{cash_worldelite}} |
Cash - Platinum Plus | {{cash_platinumplus}} |
Banking plans | {{banking_plans}} |
Desjardins financial products | {{desjardins_financial_products}} |
Expedia travel | {{expedia_td}} |
Educational rewards | {{education_rewards}} |
HSBC financial products | {{hsbc_financial_products}} |
Walmart | {{walmart_rewards}} |
Triangle (Canadian Tire) | {{triangle_rewards}} |
Meridian travel | {{meridian_travel}} |
Direct deposit | {{direct_deposit_rewards}} |
Costco gift cards | {{costco_gift_cards}} |
Wireless Rogers rewards | {{wireless_rogers_rewards}} |
1 Rogers rewards | {{1_roger_rewards}} |
Other Rogers rewards | {{other_roger_rewards}} |
Other 1 Rogers rewards | {{other_1_roger_rewards}} |
For an annual spend of {{annualspend}}, we estimated annual rewards value at up to {{total_net_rewards}}.
That's equivalent to a {{total_earn_rate}} return on spending.
The {{card.name}} has an annual fee of {{card.annualFee}}. After deducting this, we predicted net annual rewards of {{net_after_fee}}.
This puts it in the {{decile.net_annual_rewards}} of credit cards for net rewards after fees.
In comparison, the average card earns net annual rewards of {{averages.mean_net_annual_rewards}}.
Fees
The {{card.name}} has a {{card.annualFee}} annual fee.
The average card charges {{averages.mean_annual_fee}}. So, the {{card.name}} is in the {{decile.annual_fee}} of cards based on the cost of the annual fee.
Perks

We manually review the perks of each credit card to determine how they compare to other cards.
The {{card.name}} scored a {{factor_score_perks}} out of 5 for perks, putting it in the {{decile.factor_score_perks}} of cards.
The average card scores {{averages.mean_factor_score_perks}} out of 5 for perks.
Interest Rates
Purchase | {{purchase_interest_rate}}% |
Cash Advance | {{cash_advance_interest_rate}}% |
Balance Transfer | {{balance_transfer_interest_rate}}% |
The average (median) credit card has a purchase interest rate of {{averages.median_purchase_interest_rate}} and so the {{card.name}} charges {{purchase_interest_diff}} than the average.
For cash advances it costs {{cash_advance_interest_rate}}% compared to the average of {{averages.mean_cash_advance_interest_rate}}.

Testing the {{card.name}} with a $2,000 starting balance, you can see in the graph how the {{purchase_interest_diff}} in interest rates impacts the interest over a year, compared to the average card.
Insurance coverage
Insurance | This Card | Average |
---|---|---|
Extended Warranty | {{warranty}} | {{averages.median_warranty}} |
Purchase Protection | {{purchase_protection}} | {{averages.median_purchase_protection}} |
Travel Accident | {{travel_accident}} | {{averages.median_travel_accident}} |
Emergency Medical Term | {{emergency_medical_term}} | {{averages.median_emergency_medical_term}} |
Emergency Medical over 65 | {{emergency_medical_65}} | {{averages.median_emergency_medical_65}} |
Trip Cancellation | {{trip_cancellation}} | {{averages.median_trip_cancellation}} |
Trip Interruption | {{trip_interruption}} | {{averages.median_trip_interruption}} |
Flight Delay | {{flight_delay}} | {{averages.median_flight_delay}} |
Baggage Delay | {{baggage_delay_insurance}} | {{averages.median_baggage_delay_insurance}} |
Lost or Stolen Baggage | {{stolen_baggage}} | {{averages.median_stolen_baggage}} |
Event Cancellation | {{event_cancel}} | {{averages.median_event_cancel}} |
Rental Car Theft & Damage | {{rental_theft_damage}} | No |
Rental Car Personal Effects | {{rental_personal}} | {{averages.median_rental_personal}} |
Rental Car Accident | {{rental_accident}} | {{averages.median_rental_accident}} |
Hotel Burglary | {{hotel_burglary}} | {{averages.median_hotel_burglary}} |
Mobile Phone Insurance | {{mobile_insurance}} | {{averages.median_mobile_insurance}} |
Personal Effects Insurance | {{personal_effects}} | {{averages.median_personal_effects}} |
Price Protection Insurance | {{price_protection}} | {{averages.median_price_protection}} |
We scored it {{factor_score_insurance}} out of 5 for insurance.
It offers {{insurance_count}} types of insurance, whereas the average card has {{averages.insurance_count}} types of coverage.
Approval and qualifying
Do I qualify? | |
---|---|
Estimated Credit Score | {{credit_score_low}} - {{credit_score_high}} |
Personal Income | {{personal_income}} |
Household Income | {{household_income}} |
Fees | |
---|---|
Annual Fee | {{card.annualFee}} |
Extra Card Fee | $0 |
Card type | {{card_type}} |
We scored it {{factor_score_approval}} out of 5 for approval.
We predict that you will require a credit score of at least {{credit_score_low}} to qualify for the {{card.name}}, while the average card requires {{averages.mean_credit_score_low}} to qualify.
This puts it in the top {{decile.credit_score_low}} of cards by approval difficulty.
The personal income requirements are {{personal_income}}, while the average card requires {{averages.mean_personal_income}}.
This puts it in the {{decile.personal_income}} of cards by the income required to qualify.
The Scotiabank Passport Visa Infinite Card is a versatile credit card designed for Canadians looking for a range of rewards and benefits. In this review, we will discuss the card’s earning potential, outline four major advantages and two drawbacks, and provide additional insights to help you decide if it’s the right card for you.
Earning potential
With this card, users can earn Scotia Rewards points, which can be redeemed for travel, merchandise, or statement credits. The earning rates are as follows:
- 2 points per $1 spent on eligible grocery, dining, entertainment, and daily transit purchases
- 1 point per $1 spent on all other eligible purchases
Benefits
- No Foreign Transaction Fees: One of the most valuable advantages of the Scotiabank Passport Visa Infinite Card is the lack of foreign transaction fees. This means that while other cards typically charge a 2.5% fee on purchases made in foreign currencies, this card allows users to save on those fees, making it an excellent option for frequent travelers.
- Airport Lounge Access: The card includes a Priority Pass membership, which offers access to over 1,200 airport lounges worldwide. Cardholders receive six free lounge visits per year, providing a more comfortable and enjoyable travel experience.
- Travel Insurance Coverage: This card provides an extensive range of travel insurance coverage, including travel emergency medical insurance, trip cancellation and interruption insurance, flight delay insurance, lost and delayed baggage insurance, and rental car collision loss/damage insurance.
This added protection can provide peace of mind during travel and potential cost savings if unforeseen situations arise. - Comprehensive Rewards Redemption Options: The Scotia Rewards program allows for flexible redemption options, including travel, merchandise, or statement credits. Additionally, there are no blackout dates when redeeming points for travel, ensuring users can book trips easily.
Drawbacks
- Annual Fee: A significant drawback of the Scotiabank Passport Visa Infinite Card is the $139 annual fee. Though offset by the card’s benefits for those with high spending and travel frequency, potential cardholders should weigh the costs against the advantages.
- High Minimum Income Requirement: This card has a relatively high minimum personal income requirement of $60,000 per annum or a household income of $100,000. This may be a limitation for some prospective cardholders who may not meet the eligibility criteria.
Additional information
It’s essential to evaluate one’s spending habits and travel needs before opting for any credit card. The Scotiabank Passport Visa Infinite Card is an excellent choice for frequent travelers who can benefit from the rewards, travel insurance coverage, and lounge access.
However, for those with lower travel frequency or spending habits that do not align with the card’s rewards categories, a different credit card may be a more suitable option.
Interested in other credit cards? Canadians that like the Scotiabank Passport Visa Infinite Card credit card also like the Scotiabank Scene Visa Card for Students. If you’re looking for other options you should consider the Scotiabank Scene Visa Card, and the Scotiabank US Dollar Visa Card.
FAQ
The Scotiabank Passport Visa Infinite Card offers a variety of options for redeeming your earned Scotia Rewards points. Cardholders can use their points for the following types of rewards:
- Travel: Redeem points for flights, hotels, car rentals, cruises, and vacation packages through the Scotia Rewards Travel Service.
- Merchandise: Choose from a wide selection of merchandise, including electronics, home appliances, and fashion items, available in the Scotia Rewards online catalogue.
- Gift Cards & Prepaid Cards: Redeem your points for gift cards from popular retailers, or choose from several types of prepaid cards that can be used like cash.
- Convert to SCENE Points: Scotia Rewards points can be converted to SCENE points for those who wish to redeem for movies and entertainment offers.
- Apply Points to Card Statement: Use your points to make a payment towards your credit card balance.
- Charity Donations: Contribute your Scotia Rewards points to eligible charitable organizations.
The Scotiabank Passport Visa Infinite Card offers an excellent feature that benefits those who travel internationally or make purchases in foreign currencies. Unlike many other credit cards, the Scotiabank Passport Visa Infinite card has no foreign transaction fees.
This means that cardholders will not be charged an additional fee (usually around 2.5%) when making purchases in a currency other than Canadian dollars, potentially saving a significant amount on international expenses.
The Scotiabank Passport Visa Infinite Card requires a minimum annual income of $60,000 for an individual applicant or $100,000 for a household. Applicants must meet these income requirements to be considered eligible for approval.
Key benefits
- Interest Rate: 19.99% on purchases
- Cash Advance Rate: 22.99%
- Balance Transfer Rate: 22.99%
- Grace Period: 21 days
- Supplementary Card: First supplementary card free; $50/year for each additional card
- Credit Limit: Minimum limit of $5,000
- Rewards Expiry: No expiry as long as account remains active and in good standing
- Travel Emergency Medical Insurance: Up to $1 million coverage for 25 days
- Trip Cancellation/Trip Interruption Insurance: Covered up to $2,500 per person
- Flight Delay Insurance: Covered up to $500 per person, for 4+ hour delays
- Delayed and Lost Baggage Insurance: Up to $1,000 per trip
- Hotel Burglary Insurance: Up to $1,000 per occurrence
- Car Rental Collision/Loss Damage Insurance: Up to 48 consecutive days of coverage
- Purchase Protection: 90 days protection against theft, loss, or damage
- Extended Warranty: Doubles manufacturer’s warranty up to an additional year