wealthgeist
Scene+ · Visa Infinite
Scotiabank Passport Visa Infinite
Scene+ rewards on eligible spending. Compare the earn rates and conditions with where you shop.
- Annual fee
- $150
- Foreign transaction fee
- 0%
- Purchase APR
- 20.99%
Free · No account needed
Card details reviewed
You want Scene+ rewards and will use the available redemption options.
Extra rewards and benefits need to outweigh the annual fee. Interest can outweigh rewards if you carry a balance.
Your estimate
See the rewards after fees, based on where you actually shop.
Your spending is ready to use.
Calculate with my spendingAn estimate, not a guarantee. Approval is up to the issuer.
Rewards
Current rates. Conditions and limits matter as much as the headline number.
- Empire grocery stores
- 3 points per $1
Limit: $50,000 in eligible spending per calendar year, shared across qualifying reward categories; then 1 point per $1.
- Other groceries, dining, and entertainment
- 2 points per $1
Limit: $50,000 in eligible spending per calendar year, shared across qualifying reward categories; then 1 point per $1.
- Transit and rideshare
- 2 points per $1
Limit: $50,000 in eligible spending per calendar year, shared across qualifying reward categories; then 1 point per $1.
- Base earn rate
- 1 point per $1
Merchant coding and eligibility determine the rate. Rates do not add together unless the issuer explicitly allows it.
Using your rewards
The calculator’s standard value is 1¢ per point. Your redemption choice can change the value.
Redemption value depends on how you use your rewards. Check the issuer’s redemption terms before comparing points with cash.
Welcome offer
Earn up to 35,000 Scene+ points (25,000 points after spending $1,000 in first 3 months plus 10,000 points after spending $40,000 in first year)
Fees and eligibility
Paying interest can outweigh the rewards you earn.
- Annual fee
- $150
- Additional card
- $0
- Purchase interest rate
- 20.99%
- Cash advance interest rate
- 22.99%
- Foreign transaction fee
- 0%
Who can apply?
- Personal income
- $60,000
- Household income
- $100,000
Meeting published income criteria does not guarantee approval. Other eligibility conditions and fees may apply.
More fees and conditions
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Benefits
Value the benefits you will use—not every advertised perk.
Card benefits
6 complimentary airport lounge visits per year through Visa Airport Companion (DragonPass)
No foreign transaction fees: save the 2.5% foreign transaction fee on foreign currency purchases
Visa Infinite Complimentary Concierge service available 24/7
Save up to 25% on base car rental rates at participating Avis and Budget locations
Insurance & purchase protection
Coverage has eligibility rules, limits and exclusions. The insurance certificate controls.
Travel emergency medical
Travel Emergency Medical Insurance up to $2,000,000
Trip cancellation interruption
Trip Cancellation and Trip Interruption Insurance
Flight delay
Flight Delay Insurance
Baggage delay loss
Delayed and Lost Baggage Insurance
Rental car collision loss
Rental Car Collision Loss/Damage Insurance
Hotel burglary
Hotel/Motel Burglary Insurance
Mobile device insurance
Mobile Device Insurance up to $1,000
Purchase protection extended warranty
Purchase Security and Extended Warranty Protection
Similar cards
Related reward programs and fees—not a ranking for your spending.
Common questions
Is Scotiabank Passport Visa Infinite worth the annual fee?
It depends on whether the extra rewards and benefits you actually use outweigh the $150 annual fee. Use your spending to compare the ongoing value after fees.
Does this card charge a foreign transaction fee?
The published foreign transaction fee is 0%. Exchange rates and other applicable charges can still affect your cost. See the issuer’s terms.
How does WealthGeist calculate my estimate?
We match eligible spending to each card’s reward rules, account for spending limits and subtract fees. You can check the breakdown and adjust assumptions. Welcome offers and ongoing rewards are shown separately.
How we compare