Scotiabank Passport Visa Infinite Business

Annual fee

$199

Welcome offer

Up to 40,000 points

Market

Canada · CAD

Biggest part of the offer: Spend $5,000 in your first 3 months.

See full terms at Scotiabank

What it's worth before you spend

Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.

Year 1

$201

+$400 welcome bonus
+$0 yearly credits
−$199 fee

Year 2

−$199

Costs $199 a year until your spending covers it.

Every year after

−$199

Costs $199 a year until your spending covers it.

Plus 15 benefits with no fixed dollar value, like Airport Lounge Passes, No Foreign Transaction Fees and Visa Infinite Concierge. Their worth depends on how you use the card, so they're not counted above. See them all

Estimated as of Sep 28, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.

Welcome offer

Ends Oct 31, 2026. Not available if you have, or in the past 2 years had, any Scotiabank business credit card as primary or additional cardholder, including if you switch from one. Scotiabank personal cardholders can still qualify.

1Spend $5,000 in your first 3 months30,000 pts≈ $300 est.Year 1
2Spend $60,000 in your first year10,000 pts≈ $100 est.Year 1

Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.

What it earns

Valued at 1¢ per Scene+ point.

Where you spend	Earns	Back per $1 (est.)
Everything else	1.5 pts per $	1.5¢

What else you get

Perks

Airport Lounge Passes
6 free visits a year at 1,200+ lounges through Visa Airport Companion (DragonPass)
Worth about US$32 per person, per visit · Visa's price, Price once any free visits are used; subject to change, checked Oct 2026
Enroll first
No Foreign Transaction Fees
No 2.5% foreign transaction fee on purchases abroad or online; only the exchange rate applies
Visa Infinite Concierge
Concierge for travel, dining and events
Visa Infinite Luxury Hotel Collection
Best rate guarantee, upgrade when available and breakfast at participating luxury hotels

Insurance · 10

Emergency Medical Insurance
Out-of-province emergency medical, up to $1,000,000, first 25 days of a trip under 65, 10 days if 65 or over
Trip Cancellation Insurance
Up to $2,500 per person and $10,000 per trip if you cancel before departure
Trip Interruption Insurance
Up to $2,500 per person and $10,000 per trip if a trip is cut short
Flight Delay Insurance
Meals and hotel when a flight is delayed 4+ hours, up to $500 per person

Show all 10

Delayed and Lost Baggage Insurance
Delayed, lost or stolen checked bags, up to $1,000 per trip
Rental Car Collision Damage Insurance
Damage or theft of a rental car, rentals up to 48 days, vehicles up to $65,000
Hotel Burglary Insurance
Belongings stolen from your hotel room in Canada or the US, up to $1,000 per occurrence
Travel Accident Insurance
Accidental death or dismemberment on a plane, train, bus or ship, up to $500,000 per person
Purchase Protection
Most new items protected against theft, loss or damage for 90 days
Extended Warranty
Doubles the manufacturer's warranty, up to 1 extra year

Status

Avis Preferred Plus Membership
Avis Preferred Plus: upgrades when available and 5% to 25% off retail rates in Canada and the US
Enroll first

Got this card? We'll tell you when to use it.

PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.

Fine print

Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by Scotiabank. Card and program names belong to their owners.

Details last checked Sep 28, 2026.