The best no-conversion-fee credit cards – December 2025

Scotiabank Passport™ Visa Infinite* Card

With this welcome offer for the Scotiabank Passport Visa Infinite Card, you’ll receive up to 45,000 Scene+ points in welcome bonus (a $450 value):

• 35,000 points after $2,000 in purchases in the first three months
• 10,000 points after $40,000 in purchases in the first year

Then, each year, if you make at least $40,000 in purchases on the card, you’ll earn an annual bonus of at least 10,000 points, a value of $100.

With the Scotiabank Passport Visa Infinite Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

You’ll also earn 2 points for every dollar you spend, including on foreign purchases, in the following categories:

• Grocery shopping
• Restaurants
• Entertainment centers
• Transit

The Scotiabank Visa Infinite Passport is an excellent Visa credit card for this type of purchase.

These points can be used against any travel purchase at the rate of1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb). You can also redeem your points for cash back at Scene+, for example, at your local grocery store checkout at the same rate of 1,000 points = $10.

The Scotiabank Visa Infinite Passport also offers :

• No fees for foreign currency transactions
• 6 access to VIP airport lounges
• Excellent insurance for your travels and purchases
• Concierge service

We voted this credit card the Best No FX Fee Credit Card of 2024 and 2025.

Scotiabank Visa Infinite Privilege Passport Card

With this welcome offer for the Scotiabank Passport Visa Infinite Privilege Card, you’ll receive up to 80,000 Scene+ points (a value of $800):

• 30,000 points by making at least $3,000 in everyday eligible purchases in your first 3 months.
• 30,000 bonus Scene+ points when you spend at least $20,000 in everyday eligible purchases in your first 6 months.
• 20,000 bonus Scene+ points when you make at least one eligible purchase that is posted to your new Account during the 14th month after the month the Account was opened.

With the Scotiabank Passport Visa Infinite Privilege Card, you earn:

• 3X the Scene+ points for every $1 you spend on eligible travel purchases.
• 2X the Scene+ points for every $1 you spend on eligible dining and entertainment.
• 1X the Scene+ points for every $1 you spend on all other eligible purchases.

Including on foreign purchases, with no foreign transaction fees.

The Scotiabank Passport Visa Infinite Privilege Card is an excellent Visa credit card for this type of purchase.

These points can be used against any travel purchase at the rate of1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb). You can also redeem your points for cash back at Scene+, for example, at your local grocery store checkout at the same rate of 1,000 points = $10.

The Scotiabank Passport Visa Infinite Privilege Card also offers:

• No fees for foreign currency transactions
• 10 complimentary airport lounge visits per year
• $250 annual travel credit
• Excellent insurance for your travels and purchases
• Concierge service

Scotiabank Platinum American Express^® Card

For a limited time, by subscribing to Scotiabank Platinum American Express® Card, you can earn up to 80,000 points. That’s a value of $800 for trips including Airbnb.

With Scotiabank Platinum American Express® Card, you earn 2 points per dollar spent on all your purchases. You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). And you can also use them for other rewards in the Scene+ program, such as cash back.

What’s more, with this card you pay no fees for foreign currency transactions, and you get 10 free accesses to airport VIP lounges like Priority Pass and Premium Plaza.

And you get excellent insurance for your travels or purchases, concierge service, and exclusive American Express Offers (American Express Invites Program).

KOHO Premium Mastercard Prepaid Card