Scotia Passport Visa Infinite
40,000 Scene+ points (~$400 value) + first-year fee waived
$1,000 spend in 3 months
Annual fee: $150/year
Scotia credit cards
The best Scotiabank credit cards in Canada for 2026.
Scotiabank's flagship Scotia Passport Visa Infinite is the only mainstream Canadian credit card with zero foreign transaction fees, making it the default choice for Canadians who travel internationally. Their Scene+ rewards program partners with Cineplex, Sobeys, and Empire-owned grocery stores for everyday earn.
Income range
$60,000 personal / $100,000 household for premium cards
Credit score
680+ for entry, 720+ for Visa Infinite tier
Best for
International travel, Scene+ ecosystem, no-FX spending
Scotia card lineup
All 1 Scotia cards we’ve tested.
About Scotia cards
What to know before applying.
Scotia's credit card lineup is built around the Scene+ loyalty program, which earns at Cineplex movie theatres, Sobeys/Safeway/IGA grocery, and Empire Theatres. The Scotia Passport Visa Infinite is the standout choice for international travelers because of its zero foreign transaction fee — a benefit you won't find on most Canadian travel cards.
Best for
International travel, Scene+ ecosystem, no-FX spending
Not for
Pure rewards maximizers (earn rates are good not great), Aeroplan loyalists (Scotia uses Scene+ not Aeroplan)
FAQ
Common questions about Scotia cards.
What is Scene+ rewards?
Scene+ is Scotiabank's rewards program, formed in 2022 by merging the Scene loyalty program (Cineplex partnership) with Scotia Rewards. Scene+ points are worth approximately 1 cent each when redeemed for flights via the Scene+ travel portal, or for groceries at Sobeys-family stores. Cineplex movie redemptions deliver 1.25-1.5 cents per point.
Is the Scotia Passport really zero FX?
Yes. The Scotia Passport Visa Infinite charges 0% foreign transaction fee on every non-CAD purchase. It's one of only three mainstream Canadian credit cards with this benefit. On a typical $5,000 of foreign spending, the Passport saves $125 vs a standard 2.5% FX card.
Do Scotia cards work with Aeroplan?
No. Scotia's rewards program is Scene+, not Aeroplan. If you specifically want Aeroplan miles, you need an American Express, TD, or CIBC Aeroplan card. Scene+ points can be redeemed for flights through the Scene+ travel portal, but they don't transfer to Aeroplan.
What income do I need for a Scotia Passport Visa Infinite?
The Scotia Passport Visa Infinite requires $60,000 personal annual income or $100,000 household income. You also need at least good credit (typically 700+) and Canadian residency.