For winter 2026-2027, Punta Cana, the Riviera Maya and Samaná remain the safe bets for an all-inclusive from Canada, while Aruba, Barbados and Turks and Caicos gain new direct flights. Here are the 12 sun destinations we recommend this season, all served nonstop from Canada.
To lower the cost of your package, book with a credit card that earns travel points. On a $4,000 Air Canada Vacations package, a card earning 1.5 points per dollar gives you 6,000 Aeroplan points.
Why Choose an All-Inclusive Vacation Package?
Do you find prices high and wonder if you should take the plunge? An all-inclusive package allows you to enjoy many benefits:
Simplicity: everything is planned in advance, so there’s nothing to worry about.
You ultimately save money since you don’t have to book each element separately.
Comfort is not overlooked, on the contrary. You receive full service with well organized logistics, whether you’re staying at top hotels near turquoise waters or close to a golf course.
All that’s left to do is use the right credit card when booking to earn points and reduce the cost of your Air Canada Vacations all inclusive getaway.
Sun Destinations: Tips for Affordable All Inclusive Vacations in the South
Thanks to points and rewards programs, you can travel better for less! Credit card welcome offers will save you a lot of money!
Let’s take the example of the National Bank World Elite® Mastercard®. It allows you to earn NBC Rewards points on all your expenses, including a welcome bonus. Use your NBC Rewards points for any travel purchase: flights, hotels, car rentals, Airbnb, or through an agency like Expedia.
Starting from 10,000 points, enjoy a $100 discount on a booking with Voyage à la carte, which represents the best use of your points. The card also offers an annual $150 travel credit that can be used for parking, checked bags, seat selection, airport lounges, or upgrades.
Our valuationMilesopedia first-year estimateFirst-year valueAnnual fee rebated$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With Milesopedia, take advantage of an exclusive offer: your first-year annual fees are refunded with the National Bank World Elite Mastercard. This offer is exclusively available on the Milesopedia network, from June 30 to November 4, 2026.
Refund of the first-year annual fee (a $150 value) for the primary cardholder. This fee is charged to your new card account, then refunded as a credit on your statement within five months of opening your account, provided it remains open and in good standing.
The National Bank World Elite Mastercard is the best Mastercard credit card offered by NBC.
With this card, you earn up to 5 points per dollar on your purchases:
5 points per dollar for groceries and restaurants
2 points per dollar on gas and electric recharge purchases
2 points per dollar on recurring bills
2 points per dollar on À la carte Travel
1 point per dollar for all other purchases
And since it’s an NBC mycredit Mastercard, you can use it at Costco.
With this card, you have access to a $150 annual travel credit that you can use in any of these categories:
Airport parking
Baggage fees
Seat selection
Access to airport lounges
Airline ticket upgrades
What’s more, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank Lounge at Montreal-Trudeau.
Finally, Milesopedia has named the National Bank World Elite Mastercard as the Best Travel Credit Card in 2023, 2024, 2025, and 2026.
Legal
® Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.
® The À LA CARTE REWARDS logo is a registered trademark of National Bank of Canada.
® NATIONAL BANK OF CANADA LOUNGE is a registered trademark of National Bank of Canada.
® À LA CARTE REWARDS PLAN is a registered trademark of National Bank of Canada.
® Apple Pay is a registered trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.
® Google Pay is a registered trademark of Google LLC. Use of this trademark is subject to Google Inc. Permissions.
TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. The À la carte Travel agency is owned by Transat Distribution Canada Inc. and holds a Quebec permit (No. 753141).
TM À LA CARTE REWARDS is a trademark of National Bank of Canada.
® THE TOTAL, THE CONNECTED and NATIONAL BANK are registered trademarks of National Bank of Canada.
* Mastercard® World Elite®
The National Bank® World Elite® Mastercard® credit card was voted best Mastercard credit card by Milesopedia in 2026, 2025 and 2024.
The National Bank® World Elite® Mastercard® credit card was voted best travel credit card by Milesopedia in 2026, 2025 and 2024.
Every year, Milesopedia reviews credit card offers from major financial institutions and establishes its Ranking based on over 150 criteria such as fees, welcome offer, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.
Certain restrictions apply. For more information, see the Rewards Plan section or the Plan Rules applicable to point accumulation.
Grace period: No interest is charged on purchases made during the month if the cardholder pays the full balance of their account within twenty-one (21) days of the statement date. This grace period does not apply to cash advances and balance transfers. Minimum payment: if your account balance is less than $10, you must pay the balance in full. If you reside in the province of Quebec, your minimum payment is 5% of your account balance plus any overdue amount, or $10, whichever is greater. If you reside outside Quebec, your minimum payment is 2.5% of the credit card account balance plus any overdue amount, or $10, whichever is greater. Account statement: an account statement is sent monthly.
Table of examples of credit fees calculated over a 30-day period
Annual interest rate
$500
$3,000
22.49%
$9.24
$55.45
20.99%
$8.63
$51.76
13.2%
$5.53
$33.16
9.2%
$3.78
$22.68
*Variable interest rate in effect as of September 1, 2021.
Balance transfers and cash advances are subject to National Bank credit approval. Each amount transferred cannot be less than $250.
Exclusive to World Elite Mastercard cardholders. Presentation of the physical credit card and boarding pass is required to access the lounge. The National Bank® Lounge is accessible to customers traveling on international flights only (excluding flights to Canada and the United States). You benefit from free and unlimited access with one guest and two children aged 12 and under. Until October 4, 2026 (date subject to change), customers can enter the National Bank Lounge three hours before their flight departure time. From October 5, 2026 (date subject to change), access will be authorized for a maximum duration of 2 hours (3 hours for customers who hold a Private Banking 1859® World Elite® Mastercard® credit card). National Bank customers who are not World Elite ® Mastercard ® cardholders can also access the current lounge based on current rates and benefit from a 25 % discount on these rates : 63,24 $ taxes included for adults (excluding discount) $40.24 taxes included for children aged 2 to 12 (excluding discount) free for children under 2 (excluding discount) The entry fee is subject to change without notice and is the responsibility of the lounge operator.
Subject to providing the required supporting documents in the manner and within the prescribed timeframe. Certain conditions may apply. Only the primary cardholder of a National Bank World Elite Mastercard (Cardholder) whose account is in good standing can request a « Travel Fee Reimbursement ». « Account in good standing » means an account linked to the credit card that does not violate the Credit Card Agreement in any way and on which no restrictions apply. For example, and without limitation, the associated annual fees must have been paid in full. The maximum reimbursement of $150 can be requested from January 1 to December 31 of each year. Eligible expenses are: airport parking baggage fees seat selection airport lounge access worldwide airline ticket upgrades A reimbursement request must be made within 60 days of the purchase date. Travel expenses must be charged to the National Bank World Elite Mastercard credit card account. The maximum reimbursement of $150 is applicable per account. Please allow up to 7 business days for the reimbursement to be processed from the date your request is submitted. National Bank reserves the right to request additional supporting documents for validation purposes (e.g., invoices). You must keep all receipts and supporting documents for a period of 12 months from the date you made your reimbursement request. An unused reimbursement in one year cannot be carried over to the next year. You can make your request online at rewards.nbc.ca or by calling 1-800-341-8083 (toll-free) for an agent to assist you with your travel fee reimbursement request.
Point accumulation on grocery and restaurant spending depends on the total gross monthly amount charged to the credit card account, across all categories. Earn 5 points per dollar spent on eligible grocery and restaurant purchases. The 5 points per dollar accumulation is valid for the first $2,500 of gross monthly purchases charged to the account. Beyond this amount, eligible grocery and restaurant spending will earn 2 points per dollar. The calculation of the gross monthly purchase amount is based on monthly billing. A grocery purchase means a purchase made at a merchant whose primary business is selling food, such as a grocery store, delicatessen, supermarket, fruit store, or specialty food store. Meal kit subscriptions and meal delivery services are eligible. Therefore, this definition excludes, among others, retail stores and big-box stores whose primary business is selling non-food items. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. A restaurant purchase means a purchase made at a restaurant, including quick-service restaurants, bars, discotheques, nightclubs, and taverns. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan® terms and conditions document.
These protections apply if the purchases or rental are paid for in part with the card before departure, except, if applicable, for out-of-province medical-hospital insurance for which it is not necessary to charge the purchase of an à la carte trip and for baggage delay protection where the full cost of transport must have been charged to the card. All these protections apply to the primary cardholder, their spouse and/or their dependent children when they (spouse and dependent children) travel with the cardholder. Extended warranties apply to most new items purchased with the card, in Canada or abroad, provided the manufacturer’s warranty exists and is valid in Canada. Certain conditions, limitations and restrictions apply. For more information and details regarding your insurance coverage, please consult the insurance certificate linked to your card.
Subject to credit approval by National Bank.
Certain conditions apply. Visit mastercard.ca for more information. See all credit card terms and conditions.
To earn 2 points per dollar spent, you must pay for your gas or electric charging purchases at a gas station or certain big-box stores. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan® terms and conditions document.
Recurring bill payments are defined as payments made monthly or regularly that are automatically charged by the merchant to your National Bank World Elite Mastercard. Not all merchants offer recurring payments, and not all recurring payments are considered recurring bill payments. Therefore, some payments may not qualify for accelerated reward points.
To earn 2 points per dollar spent, you must pay for your eligible purchases through the À la carte TravelTM agency section of our À la carte RewardsTM site.
For example, if you spend $400 monthly on groceries, $200 on gas, $100 on recurring bills and $150 on other purchases, the $850 spent will generate 2,750 points, broken down as follows: 2,000 points for grocery spending (since the total gross monthly amount is $850, which is less than $2,500), 400 points for gas spending, 200 points for recurring bills and 150 points for other purchases.
Insurance up to $1,000 in case of breakage, loss or theft of mobile devices for a maximum period of 2 years following the date of purchase. Subject to purchasing the device with the National Bank World Elite Mastercard or a phone service subscription paid by recurring payments from your National Bank Platinum Mastercard starting September 1, 2022. For all conditions, please consult the insurance certificate linked to your card.
Annual fee
Primary card$150
Additional card$50
Annual income required
Individual$80,000
Household$150,000
Conversion fees
2.5%
Earning rate
5xRestaurants
5xGroceries
2xGas & EV
2xBills & recurring payments
2xTravel
1xAll spending
Value
1st Year Value$778
2nd Year Value$923
Card benefits
Airport lounge access$400
Travel creditsIncluded
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 60 days
Travel medical (55-64)Up to $5,000,000 / 31 days
Travel medical (65+)Up to $5,000,000 / 15 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500
Travel AccidentIncluded
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental CollisionUp to $65,000 / 48 days
Our 3 Criteria for Winter 2026-2027
The 12 destinations on this list meet three conditions:
Direct flights from at least one major Canadian city this winter.
No Government of Canada advisory to avoid non-essential travel.
All-inclusive resorts open for the season, for families and adults alike.
Cuba is no longer on this list: the Government of Canada advises avoiding non-essential travel, and Canadian airlines have suspended their flights to the island until further notice. Here are the main new flights from Canada this winter:
What's new for winter 2026-2027 from Canada
Destination
What's new
Departing from
Aruba
Air Canada from Dec. 6, Air Transat from Dec. 12
Montreal
Aruba
Porter
Toronto, Ottawa
Barbados
Air Transat from Dec. 13 (2 flights/week)
Montreal
Barbados
Air Canada
Halifax
Turks and Caicos
Porter from Nov. 6 (5 flights/week) and Dec. 17
Toronto, Ottawa
Costa Rica (Liberia)
WestJet from Dec. 20; Air Canada from Dec. 13
Ottawa; Vancouver
Costa Rica (San José)
Air Transat from Dec. 15
Quebec City
Samaná
Sunwing, now year-round
Montreal
Jamaica
400,000 seats from Canada this winter (tourism board)
Several cities
Best Sun Destinations
Antigua and Barbuda
Antigua and Barbuda continues to grow in popularity as a top sun destination for all-inclusive vacations. The island, located about sixty kilometers north of Guadeloupe, offers stunning beaches, charming towns, and uniquely turquoise water.
Antigua and Barbuda is also loved for its cuisine, breathtaking scenery, and its charming capital, St. John's, featuring a lively harbour, bustling downtown filled with restaurants, and inspiring architecture.
Lesser known than Punta Cana and Puerto Plata, the Samaná region of the Dominican Republic is greatly appreciated for its more natural setting, with its stunning landscapes and generous choice of outdoor activities.
Several activities are available for tourists who book at one of the region’s hotels:
The charming capital Santa Barbara de Samana, Las Terrenas and its beaches
Humpback whale watching, from mid-January to the end of March
Punta Cana
Punta Cana is the most popular all-inclusive destination in the Caribbean. Initially, the area only had a handful of resorts along Bavaro Beach. But today, what is known as Greater Punta Cana extends from Cap Cana in the southeast to Uvero Alto in the north.
From family getaways to adults-only retreats or golf trips with friends, there’s no shortage of all-inclusive accommodation options in Punta Cana:
This sunny destination is undoubtedly one of the most easily accessible, thanks to its vast choice of resorts and daily flights. You could also take the opportunity to visit one of the other major cities in the Dominican Republic during your stay.
Winter is one of the best seasons to visit the Bahamas. While temperatures are dropping in much of the world, the sun continues to shine on the archipelago.
Considered by many to be the most romantic place in the world, the countless islands of the Bahamas offer crystal-clear coastal waters, luxurious accommodations, and a vibrant culture, not to mention their lush rainforest landscapes.
Among the all-inclusive resorts in the Bahamas that offer good value for money, you’ll find:
The island of Aruba, also known as the Happy Island, is located not far from Venezuela. It’s popular with tourists for its white sand beaches and crystal-clear waters, but also for its very favourable climate. In fact, it’s said that it almost never rains in Aruba!
Activities include:
The California Lighthouse with breathtaking views
Aruba’s natural swimming pool and butterfly watching
Observe the majestic pink flamingos, for which the island is famous
Not far from bustling Cancún, Costa Mujeres is an increasingly popular destination in the Mexican Caribbean.
This beach resort benefits from the recent construction of all-inclusive resorts with a modern and sophisticated look. The TRS Coral Hotel borders a long, beautiful white-sand beach just across from Isla Mujeres.
The reputation of the Cancún and Riviera Maya region is well established. Many of the best resorts in Mexico and the Caribbean are here, including Cancún, Tulum, Cozumel, Playa del Carmen, Costa Mujeres and Riviera Cancún. To plan your stay, check out our complete guide to all-inclusive packages in Mexico.
The choice of activities are endless! From idyllic natural parks with cenotes, to scuba diving, to exceptional Mayan sites, you’ll certainly find what you’re looking for. This excursion to Chichén Itzá and the Chichi Kan cenote should make your list.
Barbados has become a top destination for travellers seeking sun vacations during the winter.
The island is known for its long, fine sandy beaches and the clear, calm waters of its west coast. It’s also a surfer’s paradise, with the east side of the island offering great waves.
Its capital, Bridgetown, features charming boutiques, including upscale shops along Broad Street, plenty of activities such as boating and fishing, and a lively nightlife scene along Baxter’s Road.
There are several all-inclusive resorts on the island of Barbados:
Jamaica has so much to offer travellers looking for a change of scenery: lush tropical landscapes, stunning beaches, majestic rivers, and beautiful waterfalls. Visitors to the island should make it a point to explore at least one of the country’s waterfalls on a day trip, including the popular Dunn’s River Falls in Ocho Rios.
Jamaica is also loved for its delicious exotic cuisine. There’s nothing quite like eating fresh jerk cooked over pimento wood or the taste of an ice-cold Red Stripe beer on a hot summer day!
The all-inclusive offers are very generous in Jamaica, there’s something for everyone. Here are some resorts with great value:
Hurricane Melissa hit the west of the island in late October 2025. Negril has fully reopened, including the Grand Lido on August 25, 2026, and the Grand Palladium never closed. In Montego Bay, several resorts remain closed until 2027: before you book, check the tourism board's reopenings page.
Costa Rica
In recent years, Costa Rica has grown in popularity as a top choice for a southern sun getaway, and for good reason. Whether you’re looking for adventure, family activities, fine dining, luxury hotels, budget BBs or all-inclusive, you’ll find it all here in a unique natural setting!
Costa Rica is renowned for its magnificent national parks. Tourists can enjoy outdoor activities like rafting, canyoning, cave tubing, and zip-lining. It’s also one of the best places in the world to discover exotic wildlife, such as macaws, monkeys, sea turtles, and adorable sloths.
Among the most popular all-inclusive resorts in Costa Rica:
Saint Lucia is attracting more and more Canadians: in April 2026, the island welcomed 45.9% more Canadian visitors than a year earlier, according to its government. You'll find the Pitons, two volcanic peaks listed as a UNESCO World Heritage Site, golden sand beaches and a tropical rainforest.
Air Canada and WestJet fly nonstop from Toronto to Hewanorra airport. Among the island's all-inclusives, you can choose:
Coconut Bay Beach Resort & Spa, with a family wing and an adults-only Harmony wing
Sandals Halcyon Beach, for couples
Turks and Caicos
Turks and Caicos is the big new option this winter for Ontario travellers: Porter flies nonstop from Toronto starting November 6, and from Ottawa starting December 17. You'll stay in Providenciales, on Grace Bay, one of the most celebrated beaches in the Caribbean. Among the all-inclusives:
Beaches Turks & Caicos, for families, expanded in 2026 with the Treasure Beach Village
Club Med Turkoise, for adults only
Bottom Line – All-Inclusive Vacations
For a first trip south, Punta Cana and the Riviera Maya offer the widest choice of resorts. For a quieter island, look at Samaná, Antigua or Saint Lucia. And if you're leaving from Ottawa or Toronto, Porter's new flights make Turks and Caicos more accessible than ever.
Which card should you use to pay for your all-inclusive?
Almost all of the packages above can be booked through Air Canada Vacations, which credits Aeroplan points. We recommend two cards: one to earn points on the booking, and another to pay on-site with no foreign transaction fees.
To book: the TD® Aeroplan® Visa Infinite* Card earns you 1.5 points per dollar on Air Canada purchases, including Air Canada Vacations, for $139 a year (personal income required: $60,000).
An all-inclusive trip usually includes accommodation, meals, drinks, activities and sometimes flights for a single price and easier planning.
What is the best southern travel destination?
For a successful trip to the south, it is hard to go wrong with Punta Cana in the Dominican Republic, the quintessential classic destination with its white sand beaches, turquoise waters, and an abundance of all-inclusive resorts for all budgets. If you are looking for a more authentic and peaceful experience, Samaná, also in the Dominican Republic, offers magnificent wild beaches and humpback whale watching from mid-January to the end of March. For those seeking a unique blend of British and Caribbean culture, Barbados offers exceptional beaches on both its calm west coast and its more rugged east coast.
Where can you go for a family-friendly all-inclusive beach vacation?
Popular destinations include the Dominican Republic and Mexico for all-inclusive stays. Many hotels offer cultural, sports, and water activities for children.
Where are the best sunny destinations to travel to from Canada?
You’ll be spoiled for choice! The Dominican Republic, Mexico, Barbados and Costa Rica have the most flights, while Saint Lucia and Turks and Caicos are gaining popularity this winter. It all depends on your tastes and your budget. Travel points will help you save on your next trip.
Do all-inclusives include everything?
“All-comprehensive” is often a term used to indicate that everything is taken care of, including extras like premium activities. “All-inclusive” includes the basics but may have additional fees for certain services.
Which Caribbean destination offers the best all-inclusive?
It all depends on your budget and the type of stay. Punta Cana, in the Dominican Republic, offers the best value for money and the widest selection of resorts. Mexico, with Cancun and the Riviera Maya, stands out for its gastronomy and proximity to Mayan sites. Jamaica focuses on a festive atmosphere, while Aruba and Barbados are suited to more upscale stays.
Can you still go to Cuba for an all-inclusive this winter?
The Government of Canada advises avoiding non-essential travel to Cuba, and Canadian airlines have suspended their flights to the island until further notice. For a similar all-inclusive, Punta Cana, Samaná and the Riviera Maya offer comparable packages with direct flights from Canada.
What are the new sun destinations from Canada this winter?
Porter is launching Turks and Caicos from Toronto and Ottawa, Air Transat and Air Canada are adding Aruba from Montreal, and WestJet now links Ottawa to Liberia, Costa Rica. Samaná is also served year-round from Montreal, which gives you more dates to see the whales.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With this welcome offer for the Scotiabank Passport Visa Infinite +* Card +* CardMC, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three months.
Plus, every year, earn an annual bonus of at least 10,000 Scene+ points when you charge at least $40,000 in purchases to your account. In total, the offer represents up to 35,000 Scene+ points and a value of up to $1,250 in the first year, including rewards, savings on foreign transaction fees and airport lounge access.
With the Scotiabank Passport Visa Infinite +* Card, you earn 3 points per $1 spent at Sobeys, IGA, Safeway, Foodland and participating Co-ops, and 2 points per $1 spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per $1 on all your other everyday purchases.
These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.
The Scotiabank Passport Visa Infinite +* Card also offers:
No fees for foreign currency transactions
6 complimentary airport VIP lounge passes
Excellent insurance for your travels and purchases
Visa Infinite* Concierge Services
We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.
Legal
* The potential value of savings and rewards during the first 12 months includes the value of the welcome offer, the potential value of points earned in the first year, the value of savings on foreign currency transaction fees and the cost of airport lounge access as of May 22, 2026:
$250 in travel rewards (25,000 bonus Scene+ points) for new Scotiabank Passport® Visa Infinite +* Cardholders who charge $2,000 in purchases to their account within the first three (3) months;
$100 in travel rewards (10,000 bonus Scene+ points) for cardholders who charge $40,000 in purchases to their account;
$50 in savings from the annual fee waiver on the first additional card for new Scotiabank Passport Visa Infinite +* Card credit card account holders;
$132 in savings on foreign currency transaction fees based on the average amount of foreign currency purchases made per active account over the past 24 months (by saving on the 2.5% foreign currency transaction fees typically charged by other credit card issuers);
$364 representing the potential value of points earned in the first year (36,400 Scene+ points) based on the average amount of purchases made per active account over the past 24 months, assuming an average spend of 21% of purchases in categories eligible for accelerated earn rates of 2X and 3X points;
$358 representing the value of complimentary membership in the Visa Airport Companion program which includes 6 airport lounge passes (based on « Preferred » membership valued at approximately $357 CAD/$259 USD). Based on the exchange rate in effect on May 22, 2026.
Maximum potential value after the first year = $1,254 (rounded to $1,250)
The actual value of offers, savings realized and points earned will vary depending on card usage and eligibility for applicable offers. Conditions apply.
1 Offer description and conditions: The 25,000 Scene+ points offer (the « offer ») applies only to new Scotiabank Passport Visa Infinite +* Card credit card accounts (the « accounts ») opened between August 4, 2026 and November 1, 2026 (regardless of the date you apply for the account) subject to the conditions below. The offer may be modified, cancelled or extended at any time without notice, and it cannot be combined with any other offer.
In addition, as a Scotiabank Passport Visa Infinite +* Cardholder, you are eligible for an annual bonus of 10,000 Scene+ points if you charge at least $40,000 in eligible everyday purchases to your Scotiabank Passport Visa Infinite +* Card account over the course of one year. Conditions apply; see below for more details.
Description and conditions of the 25,000 bonus Scene+ points offer: To be eligible for the 25,000 bonus Scene+ points offer (« 25,000 bonus points »), you must charge at least $2,000 in total eligible purchases to your account within the first three months following the account opening date.
Conditions for the annual 10,000 Scene+ points bonus: As a Scotiabank Passport Visa Infinite +* Card credit cardholder, you can earn an annual bonus of at least 10,000 Scene+ points (the « annual points bonus ») if you charge at least $40,000 in eligible purchases to your account over the course of one year (12-month period). The annual period begins on the account opening date; a new period starts again every twelve months thereafter. If you replace another Scene+-eligible credit card with the Scotiabank Passport Visa Infinite +* Card (i.e., it is not a new card or an additional card), the opening date of your original account will be carried over to your new Scotiabank Passport Visa Infinite +* Card account and your annual period under this offer will begin on the next anniversary date of your original account opening. For example, if you originally opened a Scotiabank Gold American Express® Card account on January 15, 2022 and you switch to the Scotiabank Passport Visa Infinite +* Card on July 15, 2025, your annual period under the 10,000 Scene+ points annual bonus offer will begin on January 15, 2026 (your next anniversary date) and a new period will start again on January 15 each year thereafter. You will earn 2,000 bonus Scene+ points for each additional $10,000 in purchases made during the same year once you have reached the $40,000 annual purchase threshold.
Eligible purchases means purchases, less refunds, returns and any other similar credits, and excludes payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, as well as card fees and other fees.
Fulfillment of the annual points bonus: Bonus points will be credited within approximately eight weeks after you become eligible for a bonus, provided the account is open and in good standing. In the case of a joint account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 25,000 bonus points and the annual points bonus will be credited to the Scene+ account linked to the account of the borrower who made the transaction that reached the eligible purchase threshold ($2,000, or $40,000) within the appropriate timeframe (the first three months, or the first 12 months). If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 25,000 bonus points, or the annual points bonus, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. It is possible to transfer points between the Scene+ accounts of a primary borrower, a co-borrower or an additional cardholder by contacting Scene+. An account is in good standing if it is not past due, there is no over-limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the account. All other program conditions continue to apply during the offer period.
Offer eligibility and exclusions: You cannot take advantage of the offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or have been one in the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, small business credit cardholders are eligible for this offer.
Rates and fees: The annual fees are $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to joint account holders and additional cardholders). The preferred annual interest rates applicable to the account are as follows: 20.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). The rates, fees, and features and benefits, which are described in the disclosure statement accompanying the application, may be changed.
Savings at Shell
Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 3 cents per litre in Scene+ points value with an eligible Scotiabank Passport Visa Infinite + card linked to a Shell Go+ Account:
Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on purchases of V-Power® gasoline, or V-Power® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.
Earn up to 3 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 1 Scene+ point per $1 spent. Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 3 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.
Note: Highest value of 10 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Passport Visa Infinite + Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.
Annual fee
Primary card$150
Additional card$50
Annual income required
Individual$60,000
Household$100,000
Conversion fees
0%
Earning rate
2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending
Value
1st Year Value$650
2nd Year Value$397
Card benefits
Concierge service24/7
Airport lounge access$240
Travel insurance
Travel medical (under 55)Up to $1,000,000 / 25 days
Travel medical (55-64)Up to $1,000,000 / 25 days
Travel medical (65+)Up to $1,000,000 / 3 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $2,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days
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