Scotiabank Passport® Visa Infinite Business* Card
Travel Rewards Business Premium / High-End

Scotiabank Passport® Visa Infinite Business* Card

Scotiabank® Scotiabank®
4.50/5 RateBuddy
Get up to $2,600 in first-year value, including up to 40,000 bonus Scene+ points. Conditions apply.
Welcome Bonus: Earn up to 40,000 bonus Scene+ points with qualifying spending, included in up to $2,600 in advertised first-year savings and reward value. Conditions apply. Exp: Oct 31, 2026
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Annual Fee $199
Purchase APR 20.99%
Cash Advance 22.99%
Bonus Value $2,600

RateBuddy Verdict

RateBuddy Take
The Scotiabank Passport Visa Infinite Business Card is a compelling option for business owners who want straightforward rewards alongside useful travel benefits. Its flat 1.5 Scene+ points per dollar on eligible purchases makes everyday business spending easy to manage without tracking different category rates. No foreign transaction fees, six complimentary lounge visits and a broad selection of travel insurance benefits give the card particular appeal for owners who travel or regularly make foreign-currency purchases. Beyond travel, Visa Spend Clarity and Visa SavingsEdge add practical tools and savings opportunities. The $199 annual fee is easiest to justify when these benefits become part of your regular business routine. Owners who rarely travel, carry an ongoing balance or would struggle to meet the welcome offer’s spending requirements should weigh those costs carefully. Overall, this is a well-rounded business rewards card for owners who value simplicity, travel convenience and expense-management support.
The Good
  • Straightforward business rewards: Earn 1.5 Scene+ points per $1 on eligible purchases without managing multiple spending categories.
  • Useful travel value: No foreign transaction fees and six complimentary airport lounge visits complement the card’s travel insurance benefits.
  • Practical business support: Visa Spend Clarity helps track expenses, while Visa SavingsEdge and flexible Scene+ redemption options offer additional ways to get value from business spending.
The Trade-offs
  • Annual fee and borrowing costs: The $199 annual fee needs to be weighed against benefits you will actually use, and carrying a balance can outweigh the rewards earned.
  • Conditions affect the headline value: The full welcome bonus requires substantial qualifying spending, while insurance, lounge access and fee-waiver benefits have eligibility requirements and restrictions.

Rewards & Earnings

Base Rate —
Rewards Summary: Earn 1.5 Scene+ points per $1 on eligible business purchases. Redeem points for travel, merchandise, gift cards, eligible account credits and other available Scene+ rewards. Redemption values and conditions vary.

Welcome Bonus Details

Open an eligible new account from May 1 to October 31, 2026. Earn 30,000 bonus Scene+ points after $5,000 in eligible purchases posts within three months, plus 10,000 after $60,000 posts within 12 months. Bonuses generally arrive within approximately eight weeks after qualification; the account must remain open and in good standing. Current Scotiabank business cardholders and those who held a primary or secondary business card within the previous two years are excluded. Terms and conditions apply.

Estimated Value: $2,600
Expires: Oct 31, 2026

Features & Benefits

No Foreign Transaction Fees
Airport Lounge Access
Value: 6
Travel Medical Insurance
Car Rental Collision/Loss Damage Waiver
Trip Cancellation/Interruption Insurance
Extended Warranty Insurance
Purchase Security Insurance
Concierge Service
Flight Delay Insurance
Baggage Delay/Loss Insurance
Special Event Access (e.g., Front Of The Line)
Common Carrier Accident Insurance
Hotel/Motel Burglary Insurance
Expense Management Tools
Employee Cards

Additional Perks

Business travel benefits include no foreign transaction fees, six complimentary airport lounge visits, Visa Infinite privileges and Avis Preferred Plus membership. Visa Spend Clarity, Visa SavingsEdge and eligible Shell fuel benefits add everyday business value. Conditions apply.

Insurance Coverage

Included coverage spans emergency travel medical, trip cancellation and interruption, flight delays, baggage, rental vehicles, hotel/motel burglary, common carrier accidents and eligible purchases. Coverage depends on eligibility, payment requirements, limits and exclusions, including applicable pre-existing-condition exclusions. Consult the Certificate of Insurance. Optional Scotia Business Loan Protection is separate.

Rates, Fees & Eligibility

Purchase APR20.99%
Cash Advance APR22.99%
Balance Transfer APR22.99%
Annual Fee$199
Supplementary Card Fee$50
Foreign Transaction Fee0%
Grace Period21 days
Income Required Personal: $60,000
Household: $100,000
Recommended Credit Score—

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Filed Under

Travel Rewards Business Premium / High-End Rewards
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