Overview of the Scotiabank Passport™ Visa Infinite Business* Card

Scotiabank Passport™ Visa Infinite Business* Card

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Earn rewards

1.5 points/$1

On every $1 spent on purchases for your business

Scotiabank Passport™ Visa Infinite Business* Card details

Welcome bonus: 30,000 bonus points ($300 value)
Annual fee: $199 (first year waived)
Reward: Earn 1.5x points on every $1 spent on purchases for your business
Average point value: $0.01
Purchase interest rate: 19.99%
Cash advance interest rate: 22.99%
Balance transfer interest rate: 22.99%
Minimum income: Any amount
Household income: Any amount
Recommended credit score: 760+
Network: VISA
Provider: Scotiabank
Card type: Travel

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Detailed card summary

Benefits & features

Earn up to $1,400* in value in the first 12 months, including up to 40,000 bonus Scene+ points. Plus no annual fee in the first year ¹
Powerful Spend Management
Manage Visa Business card expenses more efficiently with Visa Spend Clarity for Business, a web-based tool that allows you to track expenses and helps you stay on budget.
We will not charge you a foreign transaction fee on foreign currency purchases whether you make them online or outside of Canada. Only the exchange rate will continue to apply.
6 Complimentary airport lounge access
Your card gives you (the Primary Cardholder) complimentary Visa Airport Companion Program (“Program”) membership, plus six complimentary lounge visits per year from the date of enrollment, providing you with access to 1,200+ airport lounges globally, including participating Plaza Premium Lounges. Use the six complimentary lounge visits for yourself or anyone travelling with you.
Redeem rewards easily for yourself or someone else
Use your points for travel, merchandise, gift cards for your business and more.
Exclusive savings
Turn business purchases into business savings with Visa SavingsEdge.
Manage Visa Business card expenses more efficiently
Manage Visa Business card expenses more efficiently with Visa Spend Clarity for Business, a web-based tool that allows you to track expenses and helps you stay on budget.
Visa Infinite benefits
Visa Infinite Benefits with your Card which include Visa Infinite Concierge and the Luxury Hotel Collection.
Avis car rental
Take advantage of the complimentary Avis Preferred Plus membership
Get a supplementary Card
Add Supplementary cards for your employees. One account, multiple cards. Added benefits!
Scotia SelectPayTM
Enjoy the flexibility of buying now and paying little by little.
Turn eligible credit card purchases of $100 or more into monthly installment payments over a fixed period of time with Scotia SelectPay.
Trip cancellation / trip interruption insurance
Charge at least 75% of your trip costs to your Card and get trip interruption insurance at no extra cost.
Rates, fees and other information are effective as of February 3, 2025. Subject to change.

How to redeem

How to get approved

Legal

* Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of December 4, 2024:
$300 in travel rewards (30,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Business Card clients who spend $5,000 within the first 3 months;
$100 in travel rewards (10,000 bonus Scene+ points) when you spend $60,000 on your Scotiabank Passport Visa Infinite Business Card within the first 12 months;
$199 primary card fee waiver offer for the first year;
$137 in foreign transaction fee savings based on average first year annual foreign spend per Scotiabank Passport Visa Infinite Business Card account (save the 2.5% foreign transaction fee markup typically charged by card issuers);
$305 in first year point earn potential (30,00 Scene+ points) on eligible business purchases based on average annual first year spend per Scotiabank Passport Visa Infinite Business Card account;
$359 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on “Preferential” membership valued at approx. CAD$359/USD$259). Currency conversion as at October 25, 2024.
Potential First Year Value = up to $1,400
Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.
1 Offer Description and Conditions: The 40,000 Bonus Scene+ Points and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite Business credit card accounts (“Account”) opened by April 30, 2025, and is subject to the conditions below. We will waive the annual fee for the primary card issued on an Account that is opened before April 30, 2025, for the first year only. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled, or extended at any time without notice and cannot be combined with any other offers.
40,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for 30,000 bonus Scene+ points (the “30,000 Point Bonus”), you must open a new Account by April 30, 2025, and have at least $5,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To qualify for an additional 10,000 bonus Scene+ points (the “10,000 Point Bonus”), you must have at least $60,000 in eligible purchases posted to your new Account in the first year (12 months) of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees, or other charges.
Point Bonus Fulfilment: The applicable point Bonus(es) will be credited within approximately 8 weeks after the qualifying amount in eligible purchases (i.e., $5,000 or $60,000) has been posted to the Account (within the first 3 months for the 30,000 Point Bonus or within the first 12 months for the 10,000 Point Bonus) provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 30,000 Point Bonus and 10,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $5,000 or $60,000) in the appropriate time frame (i.e., first 3 months or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 30,000 Point Bonus or the 10,000 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+.
The Account is considered in good standing if it is past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.
First Year Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card issued on the Account before April 30, 2025, for the first year only.
Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank small business credit card in the past 2 years, including those that switch from an existing Scotiabank small business credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank personal credit cardholders are also eligible for the Offer.
Rates and Fees: The current annual fee is $199 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders).
The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features, and benefits are outlined in the Welcome Kit you will receive if approved
and are subject to change.