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Scotiabank Passport® VISA® Infinite Card

Consumer Reviews, Credit Score, Fees, Application & Best Alternatives


Updated: Nov 23, 2020
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The ScotiaGold Passport Infinite Visa credit card from Scotiabank is an excellent card for helping you save money on international travels and earn points on everyday purchases in and out of Canada. It lets you redeem earned points for merchandise, dining, event tickets, flights, hotel accommodation, a statement credit, gift or prepaid cards, and more.

You can use it wherever VISA cards are accepted, which is in more than 200 countries around the world, including Canada. It's a very convenient card that you can use for both online and in-store purchases. However, you need to be ready for high annual fees if you apply, but you can earn lots of points and make enough travel savings to make up for those fees.

There are many attractive benefits to using this card, but there are also certain drawbacks to consider. Read further on to learn all about its advantages and disadvantages, features, fees, and application requirements.

ANNUAL FEE:

$139*

ONGOING APR:

19.99% *

INTRO APR:

N/A

42 User Ratings Scotiabank Passport® VISA® Infinite Card

at Scotiabank Secured website

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Introductory APR
N/A
Intro APR Period
N/A
Minimum Credit Score
Excellent*

Key Features


  • Earn up to 35,000 bonus Scotia Rewards points in your first year (that's up to $350 towards travel)◊
  • Earn 2 Scotia Rewards points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis, and more).
  • Earn 1 Scotia Rewards point on every $1 you spend on all other eligible purchases.
  • No foreign transaction fees
  • First supplementary Card $0/year, $50/year on each additional Card
$ 139 2020-11-29 InStock

Our Take


The ScotiaGold Passport Infinite Visa is a very popular travel credit card in Canada. You can easily apply for it online or at any of Scotiabank's branches. The application requirements are strict, so not everyone can get approved. You need to have a good-to-excellent credit score, so a credit check is necessary. You also need to provide other personal information to help the bank ...

The ScotiaGold Passport Infinite Visa is a very popular travel credit card in Canada. You can easily apply for it online or at any of Scotiabank's branches.

The application requirements are strict, so not everyone can get approved. You need to have a good-to-excellent credit score, so a credit check is necessary.

You also need to provide other personal information to help the bank and the credit reporting agency verify your identity and ensure you have the required annual income.

Who Is This Card For?


This card is designed for frequent travelers, particularly those traveling abroad. It has zero foreign transaction fees, which can easily translate to great savings when regularly purchasing at foreign merchants, both online and in brick-and-mortar stores.

Apart from an array of travel perks, it provides rewards points on everyday spending, both in and out of Canada. So, it's a card for anyone who meets the strict application requirements, but it's a smarter choice for those who regularly travel abroad.

That's because it has a hefty annual fee. If you travel outside of Canada regularly, you could make up for those fees through all the savings.

ScotiaGold Passport Infinite Visa Card Benefits


This card has a range of benefits, mostly aimed at travel. As we've mentioned multiple times, it doesn't impose fees for foreign currency transactions. Very few travel cards in Canada have that feature.

Other notable benefits include rewards and bonus points that you can earn by using the card, the Priority Pass for airport lounges, travel insurance, and much more. You can redeem those points for travel bookings, gift cards, merchandise, statement credit, prepaid cards, and more.

Its ease of use and convenience are also the benefits to consider. Besides Canada, you can use the card in over 200 countries worldwide at every merchant that accepts Visa cards. You can provide online payments for literally anything you want.

You also have an opportunity to get 1 supplementary card with no annual fees. You can get additional supplementary cards, but they come with an annual fee.

Are There Any Disadvantages?


The only bigger drawback to carrying this particular card is its high annual fee. They're higher than most similar cards have, so they may deter some consumers from applying.

But if you're a big spender and manage to collect bonuses through several purchases, you could offset those fees.

Another potential disadvantage is the rewards points and bonuses. The two bonuses are compelling, and you can earn points in several spending categories. However, you need to spend quite a lot of money to be eligible to receive the bonuses. And the points you can not be as great as you might expect.

Many other similar cards offer better rewards to cardholders, so be sure to compare them. Scotiabank offers many different rewards cards, so don't forget to check them out.

Should You Use This Card?


If you travel a lot outside of Canada, applying for this card might be a perfect idea. It would help you save a lot of money on your travels, and enable you to enjoy a wealth of travel perks that might otherwise cost you an arm and a leg.

But if you rarely travel, or do it only domestically, it might be better to choose a cheaper alternative. There are many other rewards cards (many offered by Scotiabank) with lower or no annual fees that might better suit your needs.

So, before making any final decisions, make sure you exhaust all your options. Compare various cards and their issuers, and dig deep into all the features and fees to pick the right financial product.


Pros

  • No foreign transaction fees
  • Rewards points and bonuses
  • Priority Pass and other travel perks
  • Supplementary card with no annual fees
  • Convenience and ease of use

Cons

  • Steep annual fees
  • High spending requirements for bonuses
  • Not as favorable rewards as other cards offer

Basic Information

Issuer: Scotiabank
Network: VISA
Category: Consumer (Premium)
Common Uses:
  • Instant Decision
  • No Foreign Transaction Fee
  • Every Day Purchases
Rewards: Yes
Reward Types:
  • Travel Reward Cards
  • Universal Reward Cards
  • Other Reward Cards
Reward Units: Point
 

Rates & Fees

Introductory APR (%): N/A
Applied Towards: N/A
Intro Period: N/A
Regular APR: 19.99%
Regular APR Type: N/A
Annual Fee: $139*
Balance Transfer: Yes*
APR on Cash Advances: 22.99%*
Grace Period: See Terms*
Late Payment Fee: N/A
 

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IMPORTANT
*The information provided for Scotiabank Passport® VISA® Infinite Card is believed to be accurate at the time of evaluation or recent update on November 23, 2020. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.
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Min. Credit Required: Excellent*