Croatia is one of Europe’s top destinations for travellers in search of Mediterranean scenery, history, gastronomy and crystal-clear beaches. It has gained enormous popularity in the last decade with the success of the Game of Thrones series.
From the beaches of Dalmatia to the ramparts of Dubrovnik, national parks and secret islands, Croatia is the perfect place to enjoy the good weather, learn about Central European history, gorge on seafood and wander through any number of medieval streets.
Since the adoption of the euro in January 2023, the country has facilitated payments for all European travellers. The post-pandemic recovery in tourist traffic has been spectacular: Dubrovnik, Split, Zadar and Zagreb are more attractive than ever, but the trend is also towards sustainable tourism and off-season experiences.
Croatia’s Major Regions
It can be divided into two distinct regions:
Continental (or inland) Croatia, around Zagreb and to the east (Slavonia). This part of the country is characterized by plains, hills, forests and a more continental influence in culture, architecture and climate.
Coastal Croatia, which stretches along the Adriatic Sea and the Atlantic Ocean includes regions such as Istria and Kvarner (island of Krk).North Dalmatia (Zadar), Central Dalmatia (Split) and South Dalmatia (Dubrovnik). This area is known for its Mediterranean landscapes, islands (Brač, Hvar, Korčula, Mljet), historic cities like Split and Dubrovnik, mild climate and strong Venetian and Mediterranean influences.
Why Choose Croatia for Your Vacation?
Croatian tourism has experienced a strong upturn. Travellers from North America and Asia are coming in ever greater numbers, thanks in particular to new seasonal air links.
North American travellers now enjoy direct seasonal flights to Zagreb from Toronto (Air Transat), as well as convenient options via points programs (Aeroplan, Flying Blue, Avios) to access Split or Dubrovnik via European connections.
The country is not too expensive by European standards, and credit cards are accepted almost everywhere! A destination of choice for those who want a budget trip in Europe!
How to Get to Croatia?
Air transat
Air Transat has the advantage of being the only carrier to offer direct seasonal flights from Toronto to Zagreb. For 2027, Air Transat’s schedule shows departures from May to September, starting at $1,413 round trip including taxes (fare found on airtransat.com on October 26, 2026).
Air Transat is now partnered with Porter Airlines, allowing VIPorter points to be used on a large number of Air Transat flights. Porter confirms on its website that VIPorter points can be redeemed for flights involving Air Transat, on flyporter.com or through its call centre (checked on October 26, 2026). Search for the Toronto-Zagreb flight on flyporter.com for your dates: Air Transat's 2027 season runs from May to September.Porter Airlines gradually expands its destination network.
If you're aiming for this flight with VIPorter points, it's wise to use one of the following credit cards to earn VIPorter points:
Annual feeFirst Year Annual Fee Rebate$89$0First Year Annual Fee Rebate
Welcome offerTo earn all Bonus Points: cumulative purchases of $3,000 within 110 days, $6,000 within 180 days and $10,000 within 365 days of account opening.
Up to 40,000 pointsEnds Oct 31, 2026
To earn all Bonus Points: cumulative purchases of $3,000 within 110 days, $6,000 within 180 days and $10,000 within 365 days of account opening.
Annual feeFirst Year Annual Fee Rebate$199$0First Year Annual Fee Rebate
Welcome offer+ one round-trip companion passTo earn all Bonus Points: cumulative purchases of $5,000 within 110 days, $9,000 within 180 days and $18,000 within 365 days of account opening.
Up to 70,000 pointsEnds Oct 31, 2026
+ one round-trip companion passTo earn all Bonus Points: cumulative purchases of $5,000 within 110 days, $9,000 within 180 days and $18,000 within 365 days of account opening.
If the flight isn't available with VIPorter points on your dates, you can also apply your travel points to your expenses.
Travel Points
Airline prices to Croatia seem to vary greatly. According to my research, when paid in cash, they can cost around $1,000 and go up to $2,000 during the summer months. Depending on the rates you find, the decision to use Aeroplan points or not will depend on your ability to accumulate these points and your valuation calculation.
Aeroplan Points
Air Canada once flew seasonally between Toronto and Zagreb, the Croatian capital, but that route is no longer offered. However, on September 3, 2026, the airline announced a new Montreal-Dubrovnik route (flight AC 950, three times a week on a Boeing 787) from May 11 to October 23, 2027. In addition, Croatia Airlines is a partner in the Aeroplan program, and several Star Alliance hubs are connected to Croatia’s main cities with frequent flights.
For a round trip to Croatia, you can expect to pay 85,000 Aeroplan points in economy class, that is, twice the 42,500-point fixed rate for "all other partners" on the current Aeroplan Flight Reward Chart (August 2026 edition, checked on aircanada.com on October 26, 2026). Croatia is in the Atlantic zone (Europe), and a trip from Montreal covers between 4,001 and 6,000 miles in total: about 4,200 miles from Montreal to Split via Munich, and about 4,300 miles from Dubrovnik to Montreal via Paris. On Air Canada and select partner flights, pricing is dynamic and starts at 42,500 points one way; it can be higher depending on your dates.
Flight
Cost in points
Cost in cash
Montreal-Munich-Split
42,500 Aeroplan points
200,55 $
Dubrovnik-Paris-Montreal
42,500 Aeroplan points
85,000 Aeroplan points
200,55 $
This kind of route is excellent for taking advantage of the 5,000-point Aeroplan stopover rules, since you’ll inevitably have to make a connection to reach Croatia!
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$255
Welcome offerGet 1,250 points after $750 in purchases per month for 12 months
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
The American Express Cobalt® Card is a versatile American Express card, whether you want points for travel or cash back.
American Express Cobalt® Card welcome offer
The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer valued at $255.
Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.
You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.
You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:
15,000 Aeroplan points
15,000 Avios points
15,000 Flying Blue Miles
18,000 Marriott Bonvoy points
American Express Cobalt® Card benefits
Here is what the card gives you, starting with the benefits cardholders use most.
5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, and home food delivery. A spend cap applies.
3X points on eligible streaming subscriptions in Canada.
2X points on eligible gas, public transit and ride sharing purchases in Canada.
1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
1X point per dollar on everything else, with no category restrictions.
Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
No minimum income requirement, as with every American Express Canada card.
Additional cards at no extra cost: the first and every other supplementary card is $0.
The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
Front Of The Line® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.
The 5X categories and where they apply
The 5X rate is the reason most people carry this card. In Canada it covers three kinds of merchants:
Groceries: Metro, IGA, Sobeys, Super C, Safeway, Whole Foods.
Restaurants and bars: sit-down meals, takeout and drinks.
Home food delivery.
Convenience stores (Couche-Tard, 7-Eleven): not part of 5X, 1 point per dollar.
The 2X rate covers gas stations such as Esso, Shell and Petro-Canada, along with public transit and ride sharing.
With the American Express Cobalt® Card, you earn between 1 and 5 points per dollar:
Category
Points per dollar
Grocery (Metro, IGA, Sobeys, Super C, etc.)
5
Home food delivery
5
Restaurants and bars
5
Convenience stores
1
Streaming services
3
Service station
2
Transport
2
Travel
1
Other
1
That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.
You can also stack these categories with the hundreds of stores that offer 5x points.
American Express Cobalt® Card insurance coverage
The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.
Travel insurance
Emergency medical: up to $5,000,000 for the first 15 days of a trip.
Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.
Rental car insurance
Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.
Mobile device insurance
Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.
Purchase protection and extended warranty
Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.
American Express Cobalt® Card fees
Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
Additional cards: $0.
Purchase interest rate: 21.99%.
Cash advance interest rate: 21.99%.
Foreign transaction fee: 2.5%.
Minimum income required: none.
Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.
Legal
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
Annual fee
Primary card$191.88
Additional card$0
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
5xRestaurants
5xGroceries
3xStreaming
2xTransit
2xGas
1xAll spending
Value
1st Year Value$1,675
2nd Year Value$799
Transfer partners
AeroplanAirline
British Airways ClubAirline
Cathay Asia MilesAirline
Etihad GuestAirline
Flying BlueAirline
Hilton HonorsHotel
Marriott BonvoyHotel
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $250,000
Purchase protection
Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $85,000 / 48 days
Sweetspots to Get to Croatia
There’s a sweetspot for Croatia (or any other destination in Europe). Indeed, low-cost airlines dominate the European sky, so once you are in the Old Continent, it is easy and cheap to go anywhere. So the cheapest flight to Europe (in points or money) with a low-cost flight can often be the winning combination.
For example, a round trip between Montreal and Lyon (direct service) is still subject to Air Canada’s dynamic pricing and can cost 60,000 Aeroplan points. This is a situation where the dynamic pricing of the Aeroplan program can work in our favour.
So, the summary of this strategy? Less expensive in points and less costly in cash!
Flight
Cost in points
Cost in cash
Montreal-Lyon (return)
60,300 Aeroplan points
$120,05
Lyon-Split
$33
Dubrovnik-Lyon
$26
Total
60,300 Aeroplan points
$179,05
The disadvantage of buying two airline tickets is that if something goes wrong, the airlines will not take you to your actual final destination.
However, you can make stops to explore Lyon or give yourself enough time (flight segment spacing) to complete your itinerary comfortably! You can be covered if you have allowed enough time between the two flights (e.g. 4 hours)!
In this situation, points like the NBC A la carte Rewards travel points from the National Bank World Elite Mastercard can cover part of the cost of your tickets. What’s more, the card’s travel insurance can help you out if something goes wrong while coordinating your separate flights. You benefit as soon as a portion of the trip (such as taxes and Aeroplan fees) is charged to the card!
Then, for low-cost flights, you will most likely be charged for checking in your luggage. To save on baggage charges, you can claim your baggage fees with the National Bank World Elite Mastercard®.
Finally, you must ensure that you have compliant luggage for all flights on the itinerary and arrange for the transfer.
Looking for a concrete itinerary to explore Croatia without a car? This 10-day route connects the highlights of the Dalmatian coast by bus and ferry, from Zagreb to Dubrovnik. You'll find the full breakdown of routes and travel times in the "How to Get Around in Croatia" section below.
Suggested Itinerary: 10 Days in Croatia Without a Car
DAY
STOP
TRANSPORT
Day 1-2
Zagreb
Arrival by plane (Air Transat or connection)
Day 3
Zagreb to Plitvice
Bus, about 2 hours
Day 4
Plitvice to Zadar
Bus, about 2 hours
Day 5
Zadar to Split
Bus, about 2 hours 30 minutes
Day 6
Split and Trogir
Bus, about 45 minutes round trip
Day 7
Split to Hvar
Ferry, about 60 minutes
Day 8
Hvar to Korčula
Ferry, about 75 minutes
Day 9-10
Korčula to Dubrovnik
Ferry or bus depending on the season
Croatia: the Must-Sees
Zagreb, Continental Croatia
Zagreb is the capital of Croatia. The old town of Zagreb is a charming place with numerous museums that offer a wealth of information about the country’s history.
Indeed, Croatia has been at the center of several conflicts over the last millennium. Therefore, we can see an amalgam of elements from different civilizations that have integrated into Croatian culture, including Venetian, Napoleon, Roman, Slavic, and Viennese influences.
Zadar (North Dalmatia)
A charming seaside town, Zadar’s blend of ancient history (Roman forum), Venetian heritage and unique artistic installations such as the Marine Organ and the Salute to the Sun.
Zadar is a bit like Split in terms of its old town, but Zadar has some of the most beautiful spots for a dip just a stone’s throw from its promenade! It’s also an excellent starting point for exploring the Kornati or Dugi Otok islands, thanks to a ferry network modernized in 2025.
It’s also a popular venue for dance and music festivals.
Dubrovnik, the Pearl of the Adriatic
A UNESCO World Heritage Site, Dubrovnik attracts several hundred thousand visitors every year. Since 2023, the city has introduced daily access quotas for the Old Town and recommends booking tickets for the city walls or certain museums online in advance.
Dubrovnik was my favourite part of my trip to Croatia and ranks among the most beautiful places I’ve visited. I definitely want to go back!
Dubrovnik’s old town is surrounded by walls, which gives it its charm. Indeed, inside the walls of the city, we are immersed in a medieval atmosphere.
For fans of the series, references can be seen everywhere in Croatia, but particularly in Dubrovnik.
Most of the locations have not been greatly altered; the producers have only made a few additions to the computer.
I strongly suggest you join a free tour of the city with the Game of Thrones angle. You won’t be disappointed! This kind of tour can be found on the Guruwalk directory; they are free of charge, but the guides are paid on a tip system. It’s a great way to save money when travelling without tightening your belt too much.
The guide Darko was excellent, as he told us about the history of Dubrovnik and the filming locations during his 2-hour tour!
Split and Surroundings
Split’s charming old town is the perfect place to satisfy your appetite for Croatia ‘s regional delicacies on a magnificent stroll along the water’s edge, in the hidden lanes or in the local markets.
Its historic center, Diocletian’s palace and lively atmosphere make it a real attraction. It is also a major port of embarkation for the Croatian islands, thanks to a modernized and reinforced ferry network scheduled for 2024/2025.
Psst! For fans of electronic music, the city of Split comes to life every summer with the Ultra Europe festival.
Before our arrival, some friends told me that in one day, we could do the tour of the tourist places of Split, but that it would take more than a week to take the gastronomic pulse!
Indeed, there is not a large number of sites to visit in Split:
The wide variety of restaurants in Split means you can sample Croatian specialties at your price range: prosciutto Dalmatien, black cuttlefish risotto, octopus salad, gnocchi with pasticada, etc.
The most popular high-end establishments are: Bokeria, Zinfandel and Zoi. For our part, we really liked the super modest Fife bistro. We went back twice during our stay, although we could have tried another!
Trogir
Trogir is a small Dalmatian municipality north of Split. This is a day trip that is easily done from Split.
The old town is small, but the medieval architecture has been well preserved.
Croatian Islands such as Hvar, Korčula, Brač
Hvar is close to Split which explains its popularity with day trips. However, we really enjoyed the atmosphere of the island in the morning and evening without the crowds of daytrippers. The beaches are full of rocks (so bring your water shoes), but the water is perfectly clear and very refreshing.
At the end of the afternoon, you can go up to the fortress of Hvar and admire the sunset and the magnificent panorama.
Brač is an island off the coast of Split, best known for its famous Zlatni Rat (Golden Horn) beach, often considered Croatia’s most beautiful beach due to its crystal-clear waters and unique shape. This tongue of white pebbles juts out into the Adriatic Sea and is a popular spot for swimming, windsurfing and kitesurfing. The island also offers authentic villages, hiking trails and a peaceful atmosphere, ideal for escaping the crowds of the coast.
Korčula, nicknamed “little Dubrovnik”, is absolutely worth a visit. Its medieval old town, surrounded by ramparts and towers, is reminiscent of a miniature Dubrovnik, but with far fewer tourists. Here you’ll find a labyrinth of cobbled streets, lively squares, gastronomic specialties (including local wine) and a rich cultural tradition. It’s a great way to discover Dalmatian architecture and Croatian history in a more intimate, relaxed setting than Dubrovnik.
National Parks such as Plitvice, Krka
Croatia has 8 national parks, including Plitvice (UNESCO), Krka, Mljet and Kornati. Entrance to Plitvice costs between €23 (low season) and €40 (summer); Krka between €20 and €40.
It’s imperative to book in advance in high season to avoid the crowds. Plitvice marvels at its turquoise lakes linked by waterfalls; Krka boasts impressive waterfalls amid lush vegetation (swimming is limited to protect the ecosystem). Kornati is a paradise for sailing and kayaking from Zadar.
Plitvice
For hundreds of years, river water has flowed over limestone, giving the region a rather unique appearance today. These rock formations have sculpted the beautiful turquoise lakes and the many mystical waterfalls.
In this national park, there are many opportunities to hike or to rest in this setting.
Mljet, Coastal Croatia (South Dalmatia, Adriatic islands)
Mljet is a lush island renowned for its national park, inland salt lakes and monasteries. It’s one of Croatia’s greenest and most peaceful islands, ideal for hiking, cycling and relaxing in the heart of nature.
Planning Your Trip to Croatia
When to visit?
The best time to explore Croatia is in spring and autumn, i.e.
mid-April to early June
from September to October
The climate in Croatia during these periods will be perfect for discovering the country without having to face too many tourists. Winter in Croatia remains mild, but many restaurants are closed and not all ferries operate.
Cruises, Ferries and Slow Travel
This country has gained tremendous popularity over the past decade with the success of the TV show Game of Thrones. Split and Dubrovnik are also cruise destinations, notably with Croisieurope.
The Jadrolinija network connects all the major islands to the coast with greater frequency. Croatia has also established itself as a key destination for small-group cruises, thanks to specialists such as Sail Croatia.
This company offers unique itineraries along the Adriatic coast, exploring unspoiled islands, picturesque villages and secret beaches, often inaccessible to larger cruise ships. The onboard experience is generally more intimate, with boats accommodating around 20 passengers, guaranteeing personalized service and authentic immersion in the local culture.
This “slow cruise” trend allows you to avoid the summer crowds while immersing yourself in local Croatian culture. Some points programs or premium cards allow you to redeem your points for Booking.com or ferry gift cards – keep an eye on Milesopedia for these tips!
How Much Time Should You Plan For?
Although Croatia is a small country in terms of surface area, you can easily spend a lot of time exploring all its nooks and crannies. I would recommend focusing on the Dalmatian coast for a trip of 10 days or less.
Then, with a little more time, you can venture into the rest of Croatia and even into the neighbouring countries. In fact, you can easily make short trips to Montenegro or Bosnia-Herzegovina independently (ideally with a car) or with organized tours on GetYourGuide or Civitatis.
Budget, Prices and Practical Advice
When it comes to accommodation, expect to pay between €80 and €150 a night for a three-star hotel on the coast or islands, with rates rising sharply in July and August, when demand soars.
When it comes to meals, Croatia offers both affordable and tasty cuisine: you’ll need between €15 and €30 in a restaurant to savour local specialties, including fresh fish and seafood from the Adriatic.
Getting around within the country is made easy by a dense network of reliable and frequent intercity buses. However, renting a car remains the best way to explore the hinterland and less touristy regions at your own pace.
As for sea crossings between the islands and the mainland, the price of a ferry ticket generally varies: a short crossing starts at €4, but can exceed €20 depending on the distance covered or whether you’re taking your own vehicle.
For a more exclusive experience, let yourself be tempted by an intimate cruise with Sail Croatia or Katarina Line: an all-inclusive week starts at around €700, excluding flights.
Bear in mind, however, that in high season, we strongly advise you to book your accommodation, ferry tickets and entrance fees for major natural sites in advance. For peace of mind, remember to use a credit card with no conversion fees.
Finally, those who wish to travel differently can take advantage of the attractive off-season offers, ideal for discovering Croatia in a quieter, more sustainable way, while keeping their budget in check.
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, 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
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.
Additional 3¢/L at Shell (limited time)
Additional 3¢/L Fuel Discount Offer: Offer valid from October 5, 2026 to December 31, 2026 (“Promotional Period”), eligible Scotiabank credit and debit cardholders enrolled in the Shell Fuel Benefits Program who have linked an eligible Scotiabank payment card (an “Eligible Card”) to their Shell Go+ account will receive an additional instant fuel discount of 3 cents per litre on eligible fuel purchases at participating Shell-branded retail locations in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, and the Northwest Territories (the “Eligible Provinces”) excluding Shell Flying J locations. Fuel purchases made outside the Eligible Provinces are not eligible for this offer.
To receive the additional fuel discount, customers must pay with their linked Eligible Card at the time of purchase.
The additional fuel discount is in addition to the fuel savings available through the Shell Fuel Benefits Program and may be combined with other eligible fuel discounts, rewards programs, and promotional fuel offers unless otherwise stated in the applicable offer terms and conditions.
The additional fuel discount is available on up to 1,000 litres of eligible fuel purchases per calendar month for each Eligible Card. The 1,000-litre limit resets at the beginning of each calendar month.
The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.
Shell Canada reserves the right to make changes to this offer and to terminate the offer at any time, for any reason and without notice.
All other applicable terms and conditions of the Shell Fuel Benefits Program, Shell Go+ and Scotiabank continue to apply.
Annual fee
Primary card$150
Additional card$0
Annual income required
Individual$60,000
Household$100,000
Conversion fees
0%
Earning rate
3xWith the partner brand
2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending
Value
1st Year Value$604
2nd Year Value$397
Card benefits
Concierge service24/7
Airport lounge access$240
Travel insurance
Travel medical (under 55)Up to $2,000,000 / 25 days
Travel medical (55-64)Up to $2,000,000 / 25 days
Travel medical (65+)Up to $2,000,000 / 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
How to Get Around in Croatia
Public Transportation
Public transport in Croatia is based mainly on a network of buses and ferries.
Car-free travel is perfectly feasible in Croatia, but you will be subject to bus schedules. During the summer period, the connections are more frequent.
Here is an example of an itinerary that can be done comfortably by public transport:
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, 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
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.
Additional 3¢/L at Shell (limited time)
Additional 3¢/L Fuel Discount Offer: Offer valid from October 5, 2026 to December 31, 2026 (“Promotional Period”), eligible Scotiabank credit and debit cardholders enrolled in the Shell Fuel Benefits Program who have linked an eligible Scotiabank payment card (an “Eligible Card”) to their Shell Go+ account will receive an additional instant fuel discount of 3 cents per litre on eligible fuel purchases at participating Shell-branded retail locations in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, and the Northwest Territories (the “Eligible Provinces”) excluding Shell Flying J locations. Fuel purchases made outside the Eligible Provinces are not eligible for this offer.
To receive the additional fuel discount, customers must pay with their linked Eligible Card at the time of purchase.
The additional fuel discount is in addition to the fuel savings available through the Shell Fuel Benefits Program and may be combined with other eligible fuel discounts, rewards programs, and promotional fuel offers unless otherwise stated in the applicable offer terms and conditions.
The additional fuel discount is available on up to 1,000 litres of eligible fuel purchases per calendar month for each Eligible Card. The 1,000-litre limit resets at the beginning of each calendar month.
The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.
Shell Canada reserves the right to make changes to this offer and to terminate the offer at any time, for any reason and without notice.
All other applicable terms and conditions of the Shell Fuel Benefits Program, Shell Go+ and Scotiabank continue to apply.
Annual fee
Primary card$150
Additional card$0
Annual income required
Individual$60,000
Household$100,000
Conversion fees
0%
Earning rate
3xWith the partner brand
2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending
Value
1st Year Value$604
2nd Year Value$397
Card benefits
Concierge service24/7
Airport lounge access$240
Travel insurance
Travel medical (under 55)Up to $2,000,000 / 25 days
Travel medical (55-64)Up to $2,000,000 / 25 days
Travel medical (65+)Up to $2,000,000 / 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
Car Rental
Some connections in Croatia are not at convenient times, so you can lose a lot of time waiting for the bus.
Then, on the islands, it is better to have a vehicle to go in all the corners. We were lucky because the owners of the apartments where we stayed offered free transfers to the island. However, we favoured slow travel and often stayed only in the pedestrian zone and the beach.
Where to Stay in Croatia?
Independent Hotels and AirBnB
The most economical way to stay in Croatia is in independent hotels. Actually, the majority of establishments on the Dalmatian coast are apartments on Airbnb or VRBO.
So the points to be prioritized will be travel rewards you can redeem on expenses charged to your card. The prices of hotels in Croatia vary greatly depending on the season and location. However, we were always able to stay in the center of the action at a low price.
Our credit card strategy for accommodations on this trip was straightforward. The bonuses in the table are those offered at the time: the card’s current offer is up to 160,000 TD Rewards points.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$800Annual fee rebated$139Total$939Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With the TD First Class Travel® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points† as well as an Annual Fee rebate for the first year†:
20,000 TD Rewards Points for the first purchase made with your card†
140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening†
A Birthday Bonus of up to 10,000 TD Rewards Points†
Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD, and enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)†.
With the TD First Class Travel® Visa Infinite* Card, you earn:
8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
6 TD Rewards Points† per dollar on your grocery, dining and public transit purchases
4 TD Rewards Points† per dollar on your recurring bill payments and purchases of streaming services as well as digital games and media
2 TD Rewards Points† per dollar on all other purchases made with your card
This card also allows you to enjoy a range of travel benefits, including an annual travel credit, complimentary airport lounge visits, and a birthday bonus that boosts your points each year†.
Legal
†Terms and conditions apply.
Annual fee
Primary card$139
Additional card$50
Annual income required
Individual$60,000
Household$100,000
Conversion fees
2.5%
Earning rate
6xGroceries
6xRestaurants
6xTransit
4xBills & recurring payments
4xStreaming
2xAll spending
Value
1st Year Value$1,430
2nd Year Value$531
Card benefits
Concierge service24/7
Airport lounge access$160
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
Auto Rental CollisionUp to $65,000 / 48 days
Marriott Bonvoy Hotels
In Croatia, Marriott Bonvoy hotels are present in the major cities. There are five of them:
Personally, the location of the Marriott hotels was not at all suitable for our trip. For example, the Sheraton Dubrovnik Riviera Hotel is a beautiful hotel located 3 minutes from the beach, but it was 10 kilometres from the Old Town where we spent most of our time. Since we were without a car, it was not a good choice for us.
So, you can stay at hotels like this one when you renew your cards and after paying the $120 or $150 annual fees depending on the card. It’s a bargain, because the certificate (+ 2,000 points) will save you €333 or $450 at the Sheraton Dubrovnik Riviera Hotel.
A number of new hotels have recently opened their doors and may also be of interest to you. Take, for example, the Maslina Resort on the island of Hvar. This five-star Relais & Châteaux member blends perfectly into its natural surroundings, surrounded by olive groves, terraced vineyards and century-old pine trees.
Hyatt has just opened its first hotel in Zadar, the Hyatt Regency Zadar. It offers a luxurious wellness area and a culinary experience featuring local cuisine. Several hotels from the Hilton, Marriott and Pullman brands are expected. Further north, the Opatija Marriott Resort & Spa on the Opatija Riviera is now welcoming guests: it can be booked on marriott.com (checked October 26, 2026).
Croatia is a country that is not always on the bucket list of travellers, but it is a perfect destination for a great vacation with friends, as a couple, or with family.
Prepare your bookings in advance (flights/hotels/ferries), use your points wisely according to your preferred program and consult Milesopedia for all the latest tips.
Follow my adventures on my Instagram account @wanderingaline!
How many days should you plan for a trip to Croatia?
For the Dalmatian coast, plan for about 10 days: that gives you enough time to connect Zagreb, Plitvice, Zadar, Split and Dubrovnik without rushing. With more time, you can add the islands of Hvar, Korčula or Brač, or extend your trip to Montenegro or Bosnia and Herzegovina.
Can you visit Croatia without a car?
Yes, a dense network of buses and ferries connects the major cities and islands. Schedules can be spaced out at times, especially outside the summer season, but the 10-day itinerary above can be done entirely by public transport.
What is the best time to visit Croatia?
Spring (mid-April to early June) and autumn (September to October) offer pleasant weather with fewer crowds than in the middle of summer. Winter stays mild, but many restaurants close and ferries run less frequently.
How much does a trip to Croatia cost?
Plan for €80 to €150 a night for a three-star hotel on the coast, and €15 to €30 per restaurant meal. Ferry crossings start around €4, while a Toronto-Zagreb round trip with Air Transat starts at $1,413 including taxes for summer 2027 (fare found on airtransat.com on October 26, 2026).
How do you get to Croatia from Canada?
Air Transat offers a direct seasonal flight from Toronto to Zagreb (May to September on its 2027 schedule). Air Canada will also launch a Montreal-Dubrovnik route from May 11 to October 23, 2027. You can also use your Aeroplan points for a flight via a Star Alliance partner, or combine two separate tickets through a European city such as Lyon to reduce the total cost.
How many Aeroplan points do you need for a flight to Croatia?
From Montreal, expect to pay 85,000 Aeroplan points in economy class for a round trip, or 42,500 points one way at the fixed rate for "all other partners": Croatia is in the Atlantic zone and the trip covers between 4,001 and 6,000 miles in total (Aeroplan Flight Reward Chart, August 2026). On Air Canada and select partner flights, pricing is dynamic and starts at 42,500 points one way.
Do you need to book access to Dubrovnik's old town in advance?
Since 2023, Dubrovnik has applied daily access quotas to its UNESCO-listed old town. We recommend booking your entry tickets online before your visit, especially during high season.
Which Marriott Bonvoy hotels are in Croatia?
Five Marriott Bonvoy hotels are located in Croatia: the Sheraton Dubrovnik Riviera Hotel, AC Hotel Split, Le Méridien Lav in Split, the Sheraton Zagreb Hotel and The Westin Zagreb. Your free night award certificates can cover a room costing up to 35,000 points, with the option to top up to 50,000 points.
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, 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
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.
Additional 3¢/L at Shell (limited time)
Additional 3¢/L Fuel Discount Offer: Offer valid from October 5, 2026 to December 31, 2026 (“Promotional Period”), eligible Scotiabank credit and debit cardholders enrolled in the Shell Fuel Benefits Program who have linked an eligible Scotiabank payment card (an “Eligible Card”) to their Shell Go+ account will receive an additional instant fuel discount of 3 cents per litre on eligible fuel purchases at participating Shell-branded retail locations in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, and the Northwest Territories (the “Eligible Provinces”) excluding Shell Flying J locations. Fuel purchases made outside the Eligible Provinces are not eligible for this offer.
To receive the additional fuel discount, customers must pay with their linked Eligible Card at the time of purchase.
The additional fuel discount is in addition to the fuel savings available through the Shell Fuel Benefits Program and may be combined with other eligible fuel discounts, rewards programs, and promotional fuel offers unless otherwise stated in the applicable offer terms and conditions.
The additional fuel discount is available on up to 1,000 litres of eligible fuel purchases per calendar month for each Eligible Card. The 1,000-litre limit resets at the beginning of each calendar month.
The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.
Shell Canada reserves the right to make changes to this offer and to terminate the offer at any time, for any reason and without notice.
All other applicable terms and conditions of the Shell Fuel Benefits Program, Shell Go+ and Scotiabank continue to apply.
Annual fee
Primary card$150
Additional card$0
Annual income required
Individual$60,000
Household$100,000
Conversion fees
0%
Earning rate
3xWith the partner brand
2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending
Value
1st Year Value$604
2nd Year Value$397
Card benefits
Concierge service24/7
Airport lounge access$240
Travel insurance
Travel medical (under 55)Up to $2,000,000 / 25 days
Travel medical (55-64)Up to $2,000,000 / 25 days
Travel medical (65+)Up to $2,000,000 / 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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