Costa Rica is a small country in terms of surface, but the territory offers a lot of diversity that is hard to compete with.
With its volcanoes, rainforests, beaches and wildlife, Costa Rica is a destination for everyone!
Costa Rica: the must-sees
Beaches and national parks in Costa Rica
This slender piece of land is bordered by the Pacific Ocean on one side and the Caribbean Sea on the other.
So there is no lack of choice in terms of beaches. There are six distinct regions with water access and there is not one beach that is necessarily better than another.
In fact, the choice will depend on your interests and activities, your timing for your trip to Costa Rica and your itinerary.
The beaches of the northern region of Guanacaste
The beaches of the southern region of Guanacaste
The beaches of the Pacific Ocean
The beaches of the Nicoya Peninsula
The beaches of the Osa Peninsula
The beaches of the Caribbean Sea
Likewise, depending on your itinerary, you can easily find a national park to admire the iconic fauna of Costa Rica or to do activities according to your preferences.
San José, the capital of Costa Rica, is a city rich in culture and history. Despite all that this metropolis has to offer, it is often overlooked by travelers who rush to the beautiful beaches and tropical forests.
It’s understandable; we’re often drawn to the exoticism of Costa Rica and don’t linger too long in the city!
However, a day or two is a good compromise to discover this Central American metropolis: the majority of San José’s attractions are centralized around Avenida Central. In this neighbourhood, it’s easy to walk through a variety of museums, restaurants, parks, markets, etc.
Located on the Caribbean side of Costa Rica, Puerto Viejo will delight your taste buds with its Afro-Caribbean fusion cuisine. This small town on the waterfront is ideal for relaxation and water activities.
Indeed, it is a very beautiful place with magnificent reefs for snorkeling and scuba diving.
The picturesque town of Puerto Viejo and its many beaches are surrounded by tropical forest and the Manzanillo National Refuge. Thus, one can take small hikes in the jungle and see monkeys, sloths, etc.
Tortuguero
From July to October in Costa Rica, thousands of gigantic turtles come lay eggs on the beaches of Tortuguero during the night.
It is an amazing natural phenomenon: you can see the turtles coming out of the water, then they go to their spot on the beach to dig their hole and finally, lay hundreds of eggs.
When they have finished, the turtles bury their offspring to protect them from predators and return to the sea. The process takes about 2 hours.
July and August are the peak of the egg-laying season. So it is possible to see turtles laying eggs everywhere and observe the different stages without having to stay on the beach for a long time.
Then, seven to 10 weeks later, the sea turtles hatch. Since the egg-laying period extends over several months, it’s possible to watch the eggs being laid and the little turtles braving the beach to reach the ocean during the same Costa Rica trip!
La Fortuna
The town of La Fortuna lies at the foot of the Arenal volcano and is an excellent place to base yourself on an adventure-oriented trip to Costa Rica: rafting in the rapids, abseiling (canyoning), mountain biking on the volcano, kayaking or SUP on Lake Arenal, etc.
The Monteverde Reserve is the most popular national park in Costa Rica. Also described as a cloud forest, the atmosphere here is mysterious and the temperature is cooler.
In this forest, there are many footpaths and suspension bridges where you can meet animals and contemplate the sublime scenery. This is perfect for a family activity.
Finally, another way to discover the Monteverde forest is to take a night tour when some animals come out to hunt.
Sarapiquí Rainforest
Located in the northwest of Costa Rica, the Sarapiquí rainforest is well suited to a route that includes La Fortuna and Monteverde.
Sarapiquí is known for its ecological tourism, wildlife, ornithology and outdoor activities.
The views of the rainforest are magnificent; early risers can see the first rays of sunlight peeking through the fog and the green canopy.
Liberia
Liberia is the gateway to the Guanacaste region. Air Canada and Air Transat serve this international airport from Montreal and Toronto.
So, if you don’t want to do a lot of driving and focus your trip in the north of Costa Rica, you should consider Liberia. Also, be on the lookout for plane tickets to Liberia compared to San José, they’re sometimes cheaper!
Like San Jose, a day or two can be enough to get a feel for a big city before heading to the beach.
Playa Negra
With beautiful waves, Playa Negra is a surfer’s paradise. The waves are very consistent and attract surfers from all over the world!
Besides surfing, Playa Negra is a charming place to rest. Indeed, it is a popular getaway for locals as well.
Tamarindo
Like Playa Negra, Tamarindo is known for its beaches and waves. Being close to the Liberia airport, it is a very touristy place.
Tamarindo Beach is three kilometers long with a view of the rainforest in the background.
In addition, Mario Las Baulas National Park, another famous nesting site for sea turtles, is not too far from Tamarindo.
Manuel Antonio National Park
The city of Quepos is located on the west coast of Costa Rica and is a beautiful place to rest and enjoy the beautiful beaches.
The Manuel Antonio National Park is not too far from Quepos. The park’s beautiful beaches and crystal-clear seas are ideal for swimming, kayaking, surfing and more.
Hiking trails are also available to meet toucans, monkeys and sloths.
The best time to discover Costa Rica is between December and April since it is the dry season.
However, May, June and November are also good times to visit the country, when tourist numbers are lower. As for the temperature, these are months when the seasons are in transition: the green season.
The months of September and October should be avoided because of the rainy season. However, since Costa Rica is a tropical country, you should expect rain even if you are in the dry season.
How much time is required to visit?
We recommend that you allow between seven and 14 days for a vacation in Costa Rica, so that you can discover the country’s major attractions. Since the roads are not always very easy, getting from one area to another can be time consuming.
Thus, plan your trip to Costa Rica according to an area and do not spread yourself too thin. You can go back there since it is not too far from Canada. To tour the entire country, you’d need at least three or four weeks!
Here are some suggested itineraries
Seven days: San José, La Fortuna (Arénal volcano), Manuel Antonio National Park
10 days: San José, La Fortuna (volcano Areal), Monteverde, Pacific Coast, Manuel Antonio National Park
14 days: San José, La Fortuna (volcano Areal), Tamarindo, Monteverde, Pacific Coast
One month: a complete tour of the country
Public transportation
The local bus is still the most economical way to get from one place to another, especially if you want to visit well-served tourist spots. In fact, most of the bus routes are to and from the capital, San José.
However, if you rely on the bus system, you can waste a lot of time, as it may be necessary to constantly return to San Jose, the hub, to get to another part of Costa Rica.
The bus schedule site can be useful for finding the routes served and the operating schedule.
How to get there?
Where to start your trip to Costa Rica?
The country has two international airports:
In Liberia: for a trip to the northwest and the Guanacaste region
In San José: for vacations to the Pacific, Central and Central Valley regions
Costa Rica: saving with points
Travel points
Airline ticket prices to Costa Rica can vary greatly. Indeed, depending on the season, fares can be high, and using travel points is best.
Many credit cards offer generous welcome bonuses to help offset the cost of airline tickets.
Then, when you choose to pay in cash, there is always a way to use points to reduce the cost of the purchase.
For example, these flights found on the Expedia for TD website are notably cheaper than a similar ticket purchased with points from an airline program like Aeroplan, but these flights involve a stopover.
In addition, it is possible to use TD Rewards points to purchase this airline ticket; if you don’t have enough, it is possible to add money.
TD Rewards points are easily earned with the TD First Class Travel® Visa Infinite* Card, and for a family, each adult could sign up to unlock a pile of points for a trip to Costa Rica.
$1,139ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$1,000Annual fee rebated$139Total$1,139Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$1,000Annual fee rebated$139Total$1,139Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With this offer for the TD® Aeroplan® Visa Infinite* Card, you can get up to 50,000 Aeroplan points† as well as an Annual Fee rebate for the first year†.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
Earn 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening†.
Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
This card also allows you to enjoy travel benefits, such as a free first checked bag for you and up to 8 travel companions on the same reservation†, as well as a rebate on the NEXUS program application fee (up to $100 CAD per eligible cardholder) every 48 months†.
With the TD® Aeroplan® Visa Infinite* Card, you earn 1.5 points† per $1 spent on:
Grocery purchases
Gas and electric vehicle charging purchases
Purchases made directly with Air Canada® (including Air Canada Vacations®)
You also earn 1 point† per dollar on all other eligible purchases made with your card.
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†Terms and conditions apply.
Annual fee
Primary card$139
Additional card$75
Annual income required
Individual$60,000
Household$100,000
Conversion fees
2.5%
Earning rate
1.5xGas & EV
1.5xGroceries
1.5xAir Canada flights
1xAll spending
Value
1st Year Value$1,714
2nd Year Value$425
Card benefits
Concierge service24/7
Travel insurance
Travel medical (under 55)Up to $2,000,000 / 21 days
Travel medical (55-64)Up to $2,000,000 / 21 days
Travel medical (65+)Up to $2,000,000 / 4 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days
Car rental
For a trip at your own pace, you will have to rent a car.
Is it advisable to pay more for a 4 x 4? Between the different cities, you will not have any problem with a standard vehicle, but the roads are not always well maintained everywhere. In addition, many areas are only accessible by unpaved trails.
Although car rental costs can be very high in Costa Rica, this expense can be easily absorbed by credit card rewards points.
Once again, we used TD Rewards points to cover the cost of the car rental.
If you use points to pay for your car rental: we suggest you pay the difference, if any, with the credit card associated with the points.
For most itineraries in Costa Rica, it will be more economical to make independent hotel reservations and then apply points against the expense upon return from the trip.
There are a large number of accommodations with cooking facilities or including breakfasts, which is ideal for saving money.
An ecolodge is an accommodation that seeks to minimize the negative impact on the environment. Costa Rica is one of the world’s top destinations for a wide range of ecolodges.
Indeed, the country is so rich in rainforest and diversity that it’s the perfect place to soak up the tranquility of nature from sunrise to sunset.
$150ⓘMilesopedia 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.
Milesopedia first-year estimateⓘFirst-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
2xTravel
2xBills & recurring payments
2xGas & EV
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
Frequently Asked Questions
When is the best time to visit Costa Rica?
The best time to discover Costa Rica is between December and April since it is the dry season.
Is Costa Rica expensive?
The price of a trip to Costa Rica can vary according to a number of factors, including the time of year and choice of accommodation. Credit card travel points, which offer a great deal of flexibility, are an interesting option for saving money.
Where to spend a week in Costa Rica?
It’s all up to you. You can easily find a national park where you can admire the wildlife. The Monteverde Reserve is Costa Rica’s most popular national park. If you like waves, head for Playa Negra: it’s a surfer’s paradise.
$350ⓘMilesopedia 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.
Milesopedia first-year estimateⓘFirst-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.
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* 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.
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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