Scotiabank Passport® Visa Infinite Business* Card Review

Updated October 14, 20266 min read

This is the card I'd point a small business toward if it buys from suppliers in U.S. dollars or sends people abroad. There is no foreign transaction fee, the earn is a flat 1.5 Scene+ points per dollar on everything, and the 6 lounge visits a year cover a couple of trips for a small team.

What I'd weigh is the fee and the offer. At $199, with no first-year waiver unless you are a physician, dentist, or a lawyer or accountant on a Scotia Professional Plan, it is $49 more than the personal Passport Visa Infinite +, and the welcome bonus is worth about $400. The value here is ongoing, not up front.

The bonus

Welcome offer

Scotiabank is advertising up to 40,000 bonus Scene+ points for accounts opened between May 1, 2026 and October 31, 2026, verified on the Scotiabank page on October 13, 2026. You earn 30,000 points for $5,000 in eligible business purchases in the first 3 months, and another 10,000 points for $60,000 in the first 12 months.

Scotia values those points at $300 and $100 in travel, so the full bonus is worth about $400. Its larger "up to $2,600 in value" headline adds a year of projected point earning, foreign fee savings and lounge visits. Anyone who was a primary or secondary cardholder on a Scotiabank business credit card in the past 2 years is not eligible, though personal Scotia cardholders are.

Total welcome bonus40,000 Scene+ points

Up to $400 in travel (Scotiabank's estimate)Offer ends October 31, 2026

1First 3 months+30,000on $5,000 spend

2First 12 months+10,000on $60,000 spend

Insider tip

Treat this as a 30,000-point offer for $5,000 in three months; the extra 10,000 points need $60,000 in a year for $100 in travel. With the offer window closing on October 31, 2026, there is no reason to rush if your business would not use the card's ongoing perks.

What it costs

Fees & eligibility

The card runs $199 a year. The first additional card (a secondary cardmember or co-borrower) is $0, and each card after that is $50. Physicians and dentists get the first-year fee waived, as do lawyers and accountants with the Scotia Professional Plan or Plan Lite; there is no general first-year waiver. The minimum credit limit is $10,000.

You qualify by declaring any one of: $500,000 in business annual sales revenue, $60,000 in personal income, $100,000 household income, $30,000 in annual card spend, or $250,000 in assets under management. Purchases carry a 20.99% interest rate and cash advances and balance transfers 22.99%, rising to 25.99% and 27.99% after two missed payments in 12 months. There is no foreign transaction fee, and the primary borrower and any co-borrower are liable for all charges on the account, including supplementary cards.

Annual fee$199

Supplementary card$0 first, then $50 / yr

Personal income$60,000

Household income$100,000

Points per dollar

Earning rewards

Earning is as flat as it gets: 1.5 Scene+ points per dollar on every eligible business purchase, with no categories and no cap. At Scotia's travel value of 1 cent per point (cpp), that is about 1.5% back.

The one boost is Scene+ Travel (powered by Expedia), where hotel and car rental bookings paid with the card or points earn 3 points per dollar. Purchases on supplementary cards earn for the primary cardholder. Compared with the personal Passport Visa Infinite +, which earns up to 3x on groceries and 2x on dining, entertainment and transit, the business card trades categories for a higher flat rate.

Scene+ Travel hotels & carsHotel and car rental bookings through Scene+ Travel, powered by Expedia3x

Everything elseAll eligible business purchases, no cap1.5x

Points are not earned on cash advances, balance transfers, credit card cheques, fees or interest. Points earned on the account cannot be redeemed while it is not in good standing, and a Scene+ account can close after 24 months without activity unless a linked Scotiabank card remains open.

Getting value out

Redeeming rewards

Scene+ points are worth 1 cpp on travel. Apply Points to Travel lets you book with any airline, hotel or agency on the card and then cover the charge with points within 12 months, in blocks of at least 5,000 points. Scene+ Travel lets you redeem in full or in part on flights, hotels and car rentals.

Points also go toward account credits, gift cards from more than 60 brands, merchandise and the rest of the Scene+ catalogue. There are no airline or hotel transfer partners, so 1 cpp is the ceiling. Points can be moved between the primary, co-borrower and supplementary cardholders' Scene+ accounts by contacting Scene+.

Apply Points to TravelCover travel charged to the card in the last 12 months at 1 cpp, from 5,000 points.

Scene+ TravelBook flights, hotels and cars through Expedia with points, the card, or a mix.

Account credits and gift cardsCredits to the account and gift cards from 60+ brands.

Move points between cardholdersTransfer points between primary, co-borrower and supplementary Scene+ accounts through Scene+.

Beyond the points

Perks & benefits

The headline perk is no foreign transaction fee: purchases in a foreign currency are converted at the exchange rate with no 2.5% mark-up. The card also includes a Visa Airport Companion membership with 6 complimentary lounge visits a membership year at 1,200+ lounges; any cardholder and guests can use them, but the primary cardholder must be present, and each person counts as a visit.

You also get a complimentary Avis Preferred Plus membership, Visa Infinite Concierge and hotel and dining programs, Shell fuel discounts with a linked Shell Go+ account, and the Visa Spend Clarity for Business expense tool and Visa SavingsEdge discounts. There is no mobile device insurance.

No foreign transaction feesOnly the exchange rate applies on foreign currency purchases.

6 lounge visits a yearVisa Airport Companion (DragonPass), 1,200+ lounges; primary cardholder must be present.

Avis Preferred PlusComplimentary membership with upgrades when available and 5% to 25% off select rates.

Visa Infinite benefitsConcierge, Luxury Hotel Collection, Dining Series and Wine Country Program.

Business toolsVisa Spend Clarity for Business expense tracking and Visa SavingsEdge discounts.

Coverage included

Insurance

The insurance is a full travel suite underwritten by Manulife and FNAIC. Emergency medical pays up to $1 million per person for the first 25 days of a trip under 65 and 10 days at 65 or older, for you, your spouse and dependent children, without the trip being charged to the card. Trip cancellation and trip interruption each pay up to $2,500 per person and $10,000 per trip when at least 75% of the trip is charged to the card or paid with points.

Rentals get primary collision and loss damage coverage for up to 48 days on cars valued up to $65,000. Flight delays of 4 hours or more pay up to $500 per person, delayed and lost luggage up to $1,000 per trip each, hotel burglary in Canada and the U.S. up to $1,000, and purchases are covered for 90 days with warranties doubled up to one extra year. The medical limit is half the personal Passport Visa Infinite + ($2 million), and employees are not named as insured persons.

Emergency travel medicalUp to $1,000,000 per person; 25 days under 65, 10 days at 65+. No charge to the card required.

Trip cancellationUp to $2,500 per person and $10,000 per trip, with at least 75% charged to the card or paid with points.

Trip interruptionUp to $2,500 per person and $10,000 per trip.

Flight delayDelays of 4 hours or more: up to $500 per person per trip.

Delayed and lost luggageUp to $1,000 per trip for each coverage; delayed bags count after 4 hours.

Rental car (CDW/LDW)Primary coverage for up to 48 days on vehicles valued up to $65,000.

Common carrier and hotel burglaryUp to $500,000 per person in common carrier accident cover; hotel/motel burglary up to $1,000.

Purchase security and extended warranty90 days against theft, loss or damage and up to 1 extra year of warranty; $60,000 lifetime maximum.

Opinion

My take

JasonRated 5.6 / 10

I'd get this card for a business that pays foreign suppliers or travels abroad and spends evenly across categories; I'd skip it if most of your spend is domestic and you want a big welcome bonus.

A flat 1.5% back with no foreign transaction fee is a clean combination for business spending in other currencies, where most cards add 2.5%. On $20,000 a year of foreign purchases that fee waiver alone is worth $500, more than double the $199 fee, before counting lounge visits and the insurance.

The weak spots are the welcome bonus, worth about $400, and the lack of any first-year waiver for most applicants. If your business rarely spends outside Canada, I'd look at a card with higher category rates instead; this one earns its fee on foreign currency and travel.

The good

No foreign transaction fee
Flat 1.5 points per dollar on all business spend
6 lounge visits and a full travel insurance suite

The catch

$199 with no general first-year waiver
Welcome bonus worth about $400 and ends October 31, 2026
Points capped at 1 cpp with no transfer partners

— Jason

Questions

Frequently asked

Who can apply for the Scotiabank Passport Visa Infinite Business Card?

You must declare at least one of: $500,000 in business annual sales revenue, $60,000 in personal income, $100,000 in household income, $30,000 in annual card spend, or $250,000 in assets under management. The card carries a minimum credit limit of $10,000.

Who is liable for the balance?

The primary borrower and any co-borrower are liable for all charges on the account, including purchases made on supplementary cards issued to employees.

How much do employee cards cost?

The first additional card is free, and each card after that is $50 a year, including cards for co-borrowers and supplementary cardholders. Their purchases earn Scene+ points for the primary cardholder.

Is the annual fee waived in the first year?

Only for some professionals. Physicians and dentists get the first-year fee waived, as do lawyers and accountants with the Scotia Professional Plan or Plan Lite. Everyone else pays the $199 fee from the start.

Does the card charge foreign transaction fees?

No. Purchases in a foreign currency are converted at the exchange rate with no added foreign transaction fee, which typically runs 2.5% on other cards.

How do the lounge visits work?

The primary cardholder enrols in the Visa Airport Companion Program and gets 6 complimentary visits per membership year at 1,200+ lounges. Any cardholder and guests can use them, but the primary cardholder must be present, and each person counts as one visit; extra visits are US$32 each.

Does the travel insurance cover employees?

The certificate names the cardmember, spouse and dependent children as insured persons for travel medical. An employee who holds a card on the account is a cardmember, so check the certificate or call the insurer for a specific trip.