As passionate travelers, my colleague Aline and I have had the chance to travel the world solo many times, and we continue to do so regularly today.
These experiences have taught us that travelling alone women requires special preparation, but remains one of the most rewarding adventures of all.
Over the years, we’ve developed strategies and tricks that allow us to travel with confidence and safety. In this article, I share my personal tips and those of my colleagues to help you plan your own adventures.
Before You Leave: Plan Your Solo Trip Carefully
Choosing Your Destination: The Safest Countries for Women
The choice of destination is crucial for a first solo trip. According to the Women Peace and Security Index and our own personal experiences, some countries stand out as particularly welcoming to solo female travellers.
According to this report, Scandinavian countries such as Denmark, Norway, Sweden, and Finland are considered the safest in the world for women. In this region, Iceland also offers an ideal environment for discovering solo hiking.
Furthermore, Japan is one of the safest countries Aline has visited. Public transport is impeccable, some carriages are reserved for women, and cities are safe even at night, thanks to the very low crime rate.
Singapore, with its legendary cleanliness and easy-to-navigate public transportation, is particularly well-suited for novice female travellers.
New Zealand, on the other hand, offers the perfect combination of safety and adventure, ideal for women who want to explore nature while remaining in a reassuring environment.
My advice for a first solo trip as a woman: choose a safe destination with well-developed tourism, where the culture shock won’t be too great.
After more than 10 years of solo travel, if I don’t limit myself to destinations considered the safest, it’s because I’ve gained confidence through each trip in my ability to stay safe, and with the help of the many tips described in this guide.
Documentation and Essential Papers
Preparing your documents is a crucial step that I cannot stress enough. In addition to a valid passport, I have developed a security system that has often saved me.
I always start by making a photocopy of my passport, which I keep in a different place from the original. I also take the time to send a digital copy to my own e-mail address, so I can access it easily from any Internet-connected device.
One practice I strongly recommend is to leave a copy of your documents with a relative back home. This person will be able to help you quickly if your papers are lost or stolen.
I have also made it a habit to travel with two additional pieces of identification, such as my driver’s license and health insurance card, kept separately for added security. These are practices shared by my colleagues.
Finally, I recommend bringing more than one credit and debit card, in case one is blocked by your bank (or swallowed up by an ATM…).
Essential Insurance
Travel insurance is not an option, it’s an absolute necessity for any solo female traveler. Personally, I’ve often opted for soNomad, an insurance policy that’s particularly well suited to the needs of female travelers.
The most important aspect, which I’ve sometimes learned the hard way, is to understand the claims process before you leave.
I always keep my insurance emergency number saved in my phone, but also written down in my wallet – you never know when your phone might give out (or disappear)!
A crucial point: always contact your insurance company before accepting medical care abroad. This simple step can save you a lot of headaches at claim time.
For example, the emergency medical insurance from the National Bank World Elite Mastercard covers trips of up to 60 days. One of my colleagues unfortunately had to test the claims system during a short hospital visit in Japan. Once back in Canada, the care and medication were reimbursed quickly.
I had a similar experience with the Scotiabank Passport Visa Infinite +* Card, which allows me to extend the insurance beyond the included 25 days to remain covered during my longer remote work trips.
Choosing accommodation is one of the most important aspects of planning a solo trip. A golden rule I follow religiously: always read reviews and ratings in detail.
I pay particular attention to reviews from other solo travelers. I wouldn’t book at a place that didn’t have any reviews, whether on Airbnb, Booking.com or Expedia.
I enjoy accommodations like youth hostels or coliving spaces. These places are conducive to meeting people and often allow you to find travel partners!
The choice of neighborhood is also crucial. I prefer well-lit, easily accessible areas close to shops and public transport. A quick Internet search helps me identify the safest neighborhood in my destination.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$600Total$600$100 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
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 Marriott Bonvoy® American Express®* Card stands out for a benefit that returns every year: an Annual Free Night Award after your Cardmembership anniversary, valid for a night costing up to 35,000 points at participating properties. For travellers who stay with Marriott, it gives the Card value beyond the welcome offer.
You also receive 15 Elite Night Credits per calendar year toward your next status level and complimentary Marriott Bonvoy Silver Elite status.
The welcome offer lets you earn up to 70,000 Marriott Bonvoy points:
60,000 points after $3,000 in purchases in the first 3 months;
10,000 additional points after $500 in purchases in month 13.
To help fund future stays, earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy properties and 2 points per dollar on other purchases. You can use your points for hotel nights.
The annual fee is $120, and Supplementary Cards have no annual fee. The Card also includes travel insurance, purchase protection, and an extended warranty, subject to applicable terms.
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Annual fee
Primary card$120
Additional card$0
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
5xMarriott Bonvoy hotels
2xAll spending
Value
1st Year Value$1,110
2nd Year Value$312
Travel insurance
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days
Precautions to Take with Your Valuables
Experience has taught me that discretion is our best ally when traveling. It is sometimes preferable to limit wearing flashy jewelry and carrying valuables, but this also depends on where you are traveling.
In certain destinations, in Asia and the Middle East for example, I have observed that modest clothing (long skirts and tops covering the shoulders) significantly reduces unwanted attention and fosters respect from locals, who appreciate this gesture of consideration for their culture.
You need to find out about the specific destination. In India, for example, it’s best to cover your shoulders and knees, but it’s okay to expose your stomach.
As for your passport, I think it’s best not to carry it with you at all times. It’s better to leave it at your accommodation, in a safe if possible. The same goes for credit cards and cash; it’s better to keep them in different places in case of a problem. A bag or purse is so easy to forget or steal!
A useful tip: always hide a $20 bill (or the equivalent in local currency) under the insole of your shoe. This little trick ensures you always have a plan B for a taxi if your bag or wallet were to disappear.
Finally, using AirTags to locate valuables and suitcases can be a good way of ensuring that nothing gets lost.
Finally, having a good supply of rewards points for travel, whether with Marriott Bonvoy or another program, allows me to change accommodations if I feel only moderately safe with my first option, without having to fork out extra nights in cash.
How to Get Around Safely
The question of transportation is central for any solo traveler. I’ve learned that apps like Uber, Grab, Didi or other ride-sharing services are generally safer than cabs picked up off the street.
These services offer the advantage of tracing the route and identifying the driver. If these options are not available, I always ask my accommodation to arrange transport for me with a trusted driver.
Before every trip, I do some research on transport. Are buses safe? What do the locals think are the safest options? This information often varies from place to place, and is invaluable for making the right choices once you’re there.
I also make sure I know the normal rates for a trip from the airport to the city center, so I don’t get ripped off when negotiating with cab drivers.
It’s also a good idea to have a little local currency on hand when you arrive at your destination, so you can pay for transport to the city center if credit cards aren’t accepted.
Essential Safety Applications
Technology has become a valuable ally for solo female travelers. Several applications have become indispensable to me during my travels:
Find My Friendswhich I share with my family so that they can follow my movements;
Google Translate with offline mode enabled (particularly useful in delicate situations where communication is crucial) ;
Google Maps in offline mode so I can always find my way back;
Wealthsimple and its prepaid card to easily withdraw money and minimize fees.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$500
Welcome offerInvitation-only offer (new Wealthsimple clients): extra 3% cash back (5% total) on the first $10,000 in net purchases during the 35 days after approval. The card must stay open for 180 days after the boosted period.
Invitation-only welcome offer: earn up to $500 cash back on your first $10,000 in purchases during the 35 days after approval, for 5% cash back (2% base + 3% boost).
Purchases in the first 35 days
Base cash back (2%)
Boost (3%)
Total cash back (5%)
$2,500
$50
$75
$125
$5,000
$100
$150
$250
$10,000
$200
$300
$500
The 3% boost only applies to the first $10,000 in net purchases during the 35 days after approval; beyond that, purchases earn the standard 2%. The card must stay open for 180 days after the boosted period.
With the Wealthsimple Visa Infinite+* Card, earn 2% cash back on all your purchases, with no categories to track and no cap.
In addition, there are no foreign exchange fees on any purchase made in a currency other than the Canadian dollar, and no annual fee if you hold more than $100,000 in assets with Wealthsimple, or if you transfer the direct deposit of an eligible payroll to Wealthsimple.
To be eligible for this card, you must have a personal income of at least $80,000 or a household income of at least $150,000.
Some travel insurance is not currently offered to Quebec residents.
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Annual Fee Waiver
The Annual Fee (“Fee”) for the Wealthsimple Visa Infinite* or Wealthsimple Visa Infinite Privilege* credit card (“Card”) is $240 and is charged monthly at $20. The monthly fee is charged when the Card is issued (regardless of activation) and is billed to the first statement and once a month thereafter, unless this Fee is waived. Waiving the Fee is a promotional offer (“Fee Waiver Offer”) and requires clients to meet specific criteria to qualify and continue having the Fee waived. The Card Fee is automatically waived for any client with a Premium or Generation status, and the Fee will continue to be waived so long as that status is maintained. The Fee Waiver Offer is also available to Core clients who direct deposit at least $4,000 per month into their Wealthsimple Chequing Account (“Chequing Account”) within the preceding 30-days. Only direct deposits classified by Payments Canada as pre-authorized transactions with transaction codes ranging from 200 to 207, 310, 311, and 318 would be considered eligible. (“Qualifying Deposit”). If a Core client doesn’t make a Qualifying Deposit, or if a Premium or Generation client cannot maintain their status and becomes a Core client without a Qualifying Deposit, the monthly fee of $20 will be added to their next statement and continue to be charged until a Qualifying Deposit is confirmed.
For residents of Quebec: The Quebec Annual Fee (“Annual Fee”) for the Wealthsimple Visa Infinite* or Wealthsimple Visa Infinite Privilege* credit card is $240 and is charged when the Card is issued (regardless of activation) and is billed to the first statement and once a year thereafter. Waiving the Fee is a promotional offer (“Quebec Fee Waiver Offer”) and requires clients to meet specific criteria to qualify. The Annual Fee is automatically waived for any client with Premium or Generation status at the time the Card is issued. If a Core client obtains Premium or Generation status after the Annual Fee has been applied, a prorated refund will be issued for the number of months remaining in the current twelve (12) month period, which starts on the anniversary of the Card issuance date (“Card Year”) from the month eligibility is obtained ($20 per month). The Quebec Fee Waiver Offer is also available to Core clients who direct deposit at least $4,000 per month into their Chequing Account within the 30-days preceding the time the Card is issued. Only direct deposits classified by Payments Canada as pre-authorized transactions with transaction codes ranging from 200 to 207, 310, 311, and 318 would be considered eligible. (“Qualifying Deposit”). If a Core client starts making Qualifying Deposits after the Annual Fee has been applied, a prorated refund will be issued for the number of months remaining in the current Card Year from the month eligibility is obtained ($20 per month).
Credit Card Rewards (Cashback Offer)
The cash back promotional offer (“Cashback Offer”) is valid for new and existing users of the Card. The 2% earn rate, which may be subject to change, applies to purchases, excluding cash-like transactions, refunds, any applicable fees and adjustments (“Qualified Spend”). Cash back credits are earned on Qualified Spend only. You may redeem your cash back as soon as the Qualified Spend transaction is settled or up to 10 years after the Qualified Spend transaction is settled. Cash back can be redeemed directly in the app. Cash back can only be deposited into your Wealthsimple chequing, TFSA, RRSP, or non-registered accounts. There is no minimum amount needed to redeem. If a refund is processed after the Cash back credit is redeemed, the amount will be deducted from your rewards balance.
General Terms and Conditions
Wealthsimple Payments Inc. (“Wealthsimple”) reserves the right to amend, withdraw or restrict the Fee Waiver Offer or the Cashback Offer at any time without notice. Wealthsimple is the sole arbiter of these rules, the eligibility criteria, and any other issue arising in connection with the Fee Waiver Offer or the Cashback Offer. If Wealthsimple suspects fraud or abuse, system manipulation, or a violation of these terms, Wealthsimple reserves the right to remove all promotions from the Wealthsimple account in question and take any other action it deems appropriate, including the termination of the card in question. An invitation to participate in the Fee Waiver Offer or the Cashback Offer does not constitute a guarantee that the recommended person will be accepted as a Wealthsimple client. The Fee Waiver Offer and the Cashback Offer are only available to individuals residing in Canada who meet Wealthsimple’s eligibility criteria. The Wealthsimple Visa Infinite +* Credit Card is issued under license by Wealthsimple Payments Inc. * Trademark of Visa Int., used under license.
Wealthsimple is not responsible for maintaining the accuracy of information on this website. Refer to Wealthsimple’s page for more details.
Terms and conditions apply. For the latest product details, please visit Wealthsimple.com.
Annual fee
Primary card$240
Additional card$0
Annual income required
Individual$80,000
Household$150,000
Conversion fees
0%
Earning rate
2xAll spending
Value
1st Year Value$300
2nd Year Value$240
Travel insurance
Travel medical (under 55)Up to $1,000,000 / 14 days
Travel medical (55-64)Up to $1,000,000 / 14 days
Trip CancellationUp to $1,000
Trip InterruptionUp to $1,000
Delayed BaggageUp to $500
Lost BaggageUp to $750
Flight DelayUp to $1,000
Purchase protection
Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,000
Data Security
As a solo female traveler, protecting your data is just as important as your physical security. Public Wi-Fi networks in hotels, airports and cafés are rarely secure, making them vulnerable to cyber-attacks.
Using a Virtual Private Network (VPN) creates a secure tunnel for your data, protecting your banking information and personal accounts even over unsecured connections. This type of service also makes it possible to access your favorite programs from abroad. Personally, I use and really like NordVPN.
Meeting Other Solo Travellers
The travel company G Adventures offers « Solo-ish, » a range of tours dedicated to individual travellers. These trips exclusively bring together participants who are travelling alone, creating a great group dynamic. The program starts with three days of activities designed to facilitate interactions among participants.
Supervised by female guides, the tours alternate between group activities and free time. The package includes arrival transfers and offers a discounted single room option.
Take a look at off-the-beaten-path destinations, such as the Galapagos Islands, Uzbekistan, Sicily, and many others!
The Best Apps and Communities for Socializing
One of the most rewarding aspects of solo travel is the opportunity to make genuine connections with other travellers. Throughout my experiences, I’ve discovered that there is a real international solidarity among women. No matter where I am, I’ve always been impressed by the willingness of women to help and support each other.
Several apps have become my best allies for socializing while traveling.
Hostelworld, for example, isn’t just about booking accommodation – its community forum is a great place to meet other female travelers.
MeetUp has allowed me to participate in exciting local activities, while NomadHer, specifically designed for female nomads, allows you to connect with other solo travelers.
TravelLadies is another valuable resource, offering the chance to find fellow travelers or even free accommodation with locals.
My favorite way to stay informed and help each other as women traveling solo is to participate in these Facebook communities:
Participating in group activities is one of the best ways to meet like-minded people.
Whether it’s salsa classes, yoga sessions, lessons or conversations in the local language, or simply an aperitif organized by your accommodation – these are the perfect moments to break the ice and meet other travelers.
GetYourGuide has become my favorite tool for finding quality guided tours and interesting local activities. These small-group excursions offer an excellent balance between discovery and socialization in a safe environment.
I’ve lost count of the number of fellow travelers I’ve met on a guided walking tour or day trip, with whom I’ve shared other moments (a meal or other excursions).
How to Keep In Touch With Your Loved Ones
Keeping in touch with loved ones is essential, both for their peace of mind and for our own safety. Before each departure, I share my itinerary with my family and a few close friends.
I give them my accommodation addresses, flight numbers and general plans. Once I’m on the road, I make it a habit to keep my friends and family regularly informed of my whereabouts, especially when changing town or accommodation.
I also make sure to always have data on my mobile phone. eSIM services like Saily, Airalo, or GigSky allow me to stay connected as soon as I arrive in a new country, since I don’t need to buy a physical SIM card on-site.
An eSIM is a digital SIM card integrated directly into your phone. It allows you to activate a mobile data plan in minutes, usually by scanning a simple QR code provided by the supplier. It is a particularly practical solution when traveling, as it avoids queues at the airport or searching for a local shop to buy a SIM card.
Before departure, however, it is important to check that your phone is compatible with eSIMs and that it is unlocked. In most cases, you can also keep your primary SIM to continue receiving messages or verification codes. For example, Saily stands out for its simplicity of activation, flexible plans adapted to the duration of your trip, and the ability to manage your data directly from the app, making the connection fast and secure, even across multiple countries during the same trip.
Several credit cards now offer free data, as detailed in our guides:
One can take all the necessary precautions while traveling, but the fact remains that one of the best protections is to follow your female intuition and instinct.
If a situation makes us uncomfortable, it is better to withdraw from it, even if it means inventing an excuse; such as saying that friends are joining us soon or that our boyfriend or husband is on his way to pick us up.
From my own experience, I know that when I walk confidently and decisively, and am firm and direct in my interactions, I’m more assertive and less vulnerable.
Even if I don’t necessarily feel this way, I pretend to and instantly notice a change in the way I’m approached. It’s not always obvious, but looking like you know where you’re going makes all the difference.
Conclusion
After years of solo travel and many experiences shared with my Milesopedia colleagues, I can say that travelling alone as a woman is a unique experience worth having. Although it may seem daunting at first, proper preparation and the right tools make all the difference.
What I’ve learned is that the key is to strike a balance between caution and openness. Yes, you have to be vigilant and well-prepared, but you mustn’t let fear stop you from living enriching experiences. The encounters I’ve made, the challenges I’ve met and the moments of pure freedom I’ve experienced while travelling alone have always been worthwhile.
I urge you to take that first step. Perhaps start with a reputedly safe destination, join online communities of women travellers, and let your instincts guide you while you remain cautious. The resources and tools mentioned in this article are there to guide you, but remember that every traveller also develops her own tricks as her experiences unfold.
And above all, don’t forget that you’re never really alone. The community of women travellers is vast, supportive and always ready to help each other. Whether it’s via the Facebook groups mentioned, travel apps or on-site meetings, you’ll always find support when you need it.
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
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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.
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
Is it safe to travel alone as a woman?
Yes, traveling alone can be very safe for women, provided they are well-prepared. It is recommended to choose safe destinations, book well-rated accommodations, share your itinerary with loved ones, and stay connected via your phone or a travel eSIM.
What are the best destinations for a first solo female trip?
For a first solo trip, prioritize safe and well-organized countries such as Japan, Iceland, New Zealand, or Scandinavia. These destinations offer reliable tourist infrastructure and low crime rates, ideal for beginner travelers.
How to stay safe during a solo trip for women?
To travel safely, avoid isolated areas, use location apps, keep copies of your important documents, and regularly inform your loved ones of your movements. These best practices minimize risks and reassure those close to you.
How to stay connected to the Internet during a solo female trip?
Travel eSIMs provide access to mobile data without purchasing a local SIM card, ideal for staying reachable and secure. Some credit cards even offer free eSIMs, which guarantees a connection upon arrival at your destination.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. Its welcome offer lets you earn up to 70,000 BMO Rewards points, for a total value of up to $1,150*.
It also includes a monthly statement credit for streaming services, an annual $50 lifestyle credit, and no annual fee for the first year (a $120 value)*.
With the BMO eclipse Visa Infinite* Card, you also get:
5x BMO Rewards points for every dollar spent on groceries, meal delivery or takeout, rideshare, public transit, and gas*
1 BMO Rewards point for every dollar spent on all other purchases*
10% more points when you add an authorized user to your account*
Mobile device insurance offering coverage up to $1,000*
The Pay with Points feature, which allows you to redeem your points on recent purchases starting at $1*
Six months of Instacart+ membership plus a monthly $10 Instacart credit with an eligible card*
Legal
*Terms and conditions apply
BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.
Annual fee
Primary card$120
Additional card$50
Annual income required
Individual$60,000
Household$100,000
Conversion fees
2.5%
Earning rate
5xTransit
5xGas
5xRestaurants
5xGroceries
1xAll spending
Value
1st Year Value$1,128
2nd Year Value$365
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 21 days
Travel medical (55-64)Up to $5,000,000 / 21 days
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
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