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  • No Foreign Transaction Fee
  • Premium Insurance
  • 10 free access to VIP lounges
Learn More
  • Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points.
  • Earn 2X the Scene+ points for every $1 in eligible purchases at grocery stores, restaurants, and entertainment.
  • Earn 2X the Scene+ points for every $1 of eligible gas and public transit purchases. Includes bus, metro, taxis, ridesharing and more.
  • Earn 2X Scene+ points for every $1 spent on all your other purchases.
  • Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
  • You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
  • Enjoy 10 free airport lounge visits per year.
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*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Annual Fee
  • Primary card $399
  • Additional card $99
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 9.99 %
  • Cash Advance Rates 9.99 %
  • Balance Transfer Rates 9.99 %
Earning Rate
  • All Spending2Scene+ points
  • Groceries2Scene+ points
  • Gas2Scene+ points
Value
  • Year 1 $1,281
  • Year 2+ $481
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
31 day(s)
Travel medical insurance up to 64 years old
$2,000,000
31 day(s)
Travel medical insurance 65+
$2,000,000
10 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
Best No-FX Fee Credit Card In 2024

Your luxury experience starts with 80,000 Scene+ points

That’s up to $800 in value for your travels.

Rewards your way, with Scene+

  • Earn 3X the Scene+ points for every $1 you spend on eligible travel purchases. Plus, earn an extra 3X the points on hotel bookings, car rentals, and things to do when you book through Scene+ Travel, Powered by Expedia.
  • Earn 2X the Scene+ points for every $1 you spend on eligible dining and entertainment.
  • Plus, earn 1X the Scene+ points for every $1 you spend on all other eligible purchases.

$250 Annual Travel Credit

If you’re the primary cardholder, each year you’ll get a $250 statement credit on your first travel booking with Scene+ Travel, Powered by Expedia. This applies to flights, hotels, car rentals, and travel packages anywhere in the world.

Say goodbye to FX fees

Say goodbye to foreign transaction fees with the Scotiabank Passport® Visa Infinite Privilege* Card. Whether you’re shopping online or abroad, you’ll never pay a foreign transaction fee on foreign currency purchases.

Enjoy 10 complimentary airport lounge visits per year

With the Visa Airport Companion Program, you and each of your additional cardholders get access to over 1,200 airport lounges worldwide. This includes 10 free lounge visits per year. Plus, you get exclusive airport dining and retail offers.

Exclusive airport perks

Save time and money with priority security and taxi lanes, discounted valet parking, and dedicated parking.

Upgrade your next getaway at Relais & Châteaux properties

As a Scotiabank Passport® Visa Infinite Privilege* cardholder, you’re eligible for premium benefits at over 200 Relais & Châteaux properties around the world.

Explore the Visa Infinite Luxury Hotel Collection

Enjoy 7 special benefits at over 900 hotels and an 8th exciting benefit at over 200 participating hotels, hand-selected for Scotiabank Passport® Visa Infinite Privilege* cardholders.

Feel at home, anywhere you go

Get exclusive benefits at over 60 Sandman, Sandman Signature, and Sutton Place Hotels across Canada with Visa RSVP Rewards.

Become an Avis®* President’s Club member

Spend less time in line and more time on the road with a complimentary yearly Avis President’s Club membership. This includes two car-class upgrades and the option to skip the line and go straight to your car at most Avis®* locations.

Comprehensive Travel Insurance coverage

  • Travel Emergency Medical Insurance
  • Trip Cancellation and Trip Interruption Insurance
  • Flight Delay Insurance
  • Lost Baggage and Delayed Baggage Insurance
  • Rental Car Collision Loss/Damage Insurance
  • Hotel Burglary Insurance
  • Common Carrier Travel Accident Insurance
  • Mobile Device Insurance
  • Purchase Security Extended Warranty Protection
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*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Earning Rate
  • Travel3Scene+ points
  • Air Canada3Scene+ points
  • Dining and Food delivery2Scene+ points
Value
  • Year 1 $1,144
  • Year 2+ $344
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
31 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
10 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$2,500
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • 4% cash back on groceries
  • 4% cash back on recurring payments
  • Visa Infinite Benefits
Learn More
  • SPECIAL OFFER: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards. Extended offer ends October 31, 2025
  • Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
  • Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
  • Earn 1% cash back on all other purchases with no cash back limit.
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*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries4%
  • Recurring Payments4%
  • Telecom/Internet4%
Value
  • Year 1 $848
  • Year 2+ $408
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
15 day(s)
Travel medical insurance up to 64 years old
$1,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
carte-visa-infinite-affaires-passeport-banque-scotia
Business Card
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  • Earn up to $1,200* in value in the first 12 months, including up to 40,000 bonus Scene+ points
  • No foreign transaction fees
  • 6 complimentary airport lounges visits per year
  • Comprehensive Travel Insurance coverage
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*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Annual Fee
  • Primary card $199
  • Additional card $0
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • All Spending1.5Scene+ points
  • Groceries1.5Scene+ points
  • Gas1.5Scene+ points
Value
  • Year 1 $801
  • Year 2+ $401
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
25 day(s)
Travel medical insurance up to 64 years old
10 day(s)
Travel medical insurance 65+
10 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
  • Earn up to 5,000 bonus Scene+ points within your first three months (that's up to $50 towards travel)
  • Earn 3x Scene+ points on every $1 you spend at Sobeys, Safeway, FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
  • Earn 2x Scene+ points for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions.
  • Earn 2x Scene+ points for every $1 you spendon eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
  • Earn 2x Scene+ points for every $1 you spend on eligible gas and daily transit. Includes rideshares, buses, subway, taxis and more.
  • Earn 2x Scene+ points for every $1 you spend on eligible select streaming services.
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
  • Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
  • Mobile Device Insurance coverage
  • American Express Invites®
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*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2Scene+ points
  • Gas2Scene+ points
  • Dining and Food delivery2Scene+ points
Value
  • Year 1 $393
  • Year 2+ $343
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39). The offer ends on October 31, 2025.
  • Earn 2% cash back on all eligible purchases at gas stations, grocery stores, drugstores and on recurring payments.
  • Earn 1% cashback on all other eligible cashback purchases
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*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Annual Fee
  • Primary card $39
  • Additional card $15
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2%
  • Gas2%
  • Drugstores2%
Value
  • Year 1 $321
  • Year 2+ $321
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • No annual fee
  • 2X points at Scene+ grocery stores (IGA, Rachelle Béry, Sobeys, etc.)
Learn More
  • Earn up to 5,000 bonus Scene+ points within your first 3 months
  • No annual fee
  • Earn 2x Scene+ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating
    Co-ops, Freshco and more* FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op
  • Earn 2x Scene+ points for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
  • Earn 2x Scene+ points for every $1 you spend at Cineplex theatres or online at cineplex.com
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
  • Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Legal

*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2Scene+ points
  • All Spending1Scene+ Point
  • Gas1Scene+ Point
Value
  • Year 1 $295
  • Year 2+ $240
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
carte visa momentum Scotia pour entreprise
Business Card
  • 3% cash back on gas, restaurants and office supplies
  • 3% cash back on recurring bill payments
  • 1% cash back on everything else
Learn More
  • 2.99% introductory interest rate on Balance transfers for the first 6 months (22.99% after that, annual fee $79)
  • 3% cash back on purchases at gas stations, restaurants and office supply stores, as well as on recurring payments, and 1% on all other eligible everyday purchases for your business.
  • 25-day interest-free grace period on new purchases
  • Suite of comprehensive insurances
  • Enjoy the flexibility of buying now and paying little by little with Scotia SelectPayTM
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*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Annual Fee
  • Primary card $79
  • Additional card $29
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Gas3%
  • Dining and Food delivery3%
  • Recurring Payments3%
Value
  • Year 1 $264
  • Year 2+ $264
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
8 day(s)
Travel medical insurance up to 64 years old
3 day(s)
Travel medical insurance 65+
3 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • Special offer : Earn 5% cash back on eligible purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (2% fee per cash advance, 22.99% after that; annual fee $0).
  • 1% cash back on all eligible purchases at gas stations, grocery stores, drugstores and on recurring payments.
Legal

*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries1%
  • Gas1%
  • Drugstores1%
Value
  • Year 1 $280
  • Year 2+ $180
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 7.99% introductory interest rate on purchases for the first 6 months (20.99% after that)1
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases

 

 

Legal

*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates
Earning Rate
  • Groceries1%
  • Gas1%
  • Drugstores1%
Value
  • Year 1 $180
  • Year 2+ $180
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

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