François CharronPowered by Milesopedia

Pros & Cons

Pros

  • +First Year Annual Fee Rebate ($199 annual fee rebated)
  • +Welcome Bonus: 40,000 points
  • +Purchase protection included

Cons

  • No airport lounge access despite fee

Our Review

With the Scotiabank Passportᴹᴰ Visa Infinite Business* Card, you can get up to 40,000 Scene+ points as a welcome bonus and the first year free:

  • 30,000 points after $5,000 in purchases during the first 3 months
  • 10,000 points after $60,000 in purchases during the first 12 months

With the Scotiabank Passportᴹᴰ Visa Infinite Business* Card, you pay no foreign transaction fees.

Additionally, you receive six complimentary annual airport lounge accesses worldwide.

Offer ends: 2026-04-30

Rewards

All Spending

1.5x

Scene+ pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries1.5x
$700/month
Gas & EV1.5x
$200/month
Transit1.5x
$100/month
Restaurants1.5x
$300/month
Pharmacy1.5x
$50/month
Travel1.5x
$150/month
Bills & recurring payments1.5x
$250/month
Telecom1.5x
$150/month
Entertainment & streaming1.5x
$100/month
Office supplies1.5x
$0/month
All other spending1.5x
$500/month

Points Earned

45,000

Scene+/yr

Estimated Value

$450

After Fees

+$450

1st Year Value

$450

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 1.5x12,600 pts
Gas & EV$2,400/yr × 1.5x3,600 pts
Transit$1,200/yr × 1.5x1,800 pts
Restaurants$3,600/yr × 1.5x5,400 pts
Pharmacy$600/yr × 1.5x900 pts
Travel$1,800/yr × 1.5x2,700 pts
Bills & recurring payments$3,000/yr × 1.5x4,500 pts
Telecom$1,800/yr × 1.5x2,700 pts
Entertainment & streaming$1,200/yr × 1.5x1,800 pts
All other spending$6,000/yr × 1.5x9,000 pts
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year1.5x
Average earn rate on spend 1st year with welcome bonus1.5x
Total points earned on spend45,000 pts
Welcome bonus points
  • Earn 40,000 Scene+ after $60,000 in purchases in 12 months, spend $2,500/mo more
Total points earned45,000 pts
Value of accumulated points$450

Travel Insurance

Travel Medical

Included

Trip Cancellation

Up to $2,500

Trip Interruption

Up to $2,500

Delayed Baggage

Up to $1,000

Lost Baggage

Up to $1,000

Flight Delay

Up to $500

Hotel Burglary

Up to $1,000

Travel Accident

Up to $500,000

Purchase Protection

Purchase Protection

Included

Extended Warranty

+1 year(s)

Auto Rental

Up to $65,000 / 48 days

Interest Rates

  • Purchase Rate
    19.99%
  • Cash Advance
    22.99%
  • Foreign Transaction Fee
    0%

Eligibility

Personal Income

$60,000

Household Income

$100,000

Terms & Conditions

Card Features

  • Earn up to $2,800* in first year savings and reward value, including no annual fee in your first year and up to 40,000 bonus Scene+ points with the Passport™ Visa Infinite Business* Card*
  • No Foreign Transaction Fee
  • 6 complimentary airport lounge visits per year
  • Comprehensive Travel Insurance coverage

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. François Charron may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Scotiabank. All trademarks are property of their respective owners.