Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
25% Referral Cash Bonus
Share your unique referral link to the Scotiabank Passport® Visa Infinite* Card and earn a 25% rebate bonus. Learn more about the Finly referral program.
Card Details
Based on $2,000 spending
First Year Value
$543.9
$193.9 in years after
Annual Rewards
$343.9
Scene+
First Year Bonus
$250
Scene+
Finly Rebate
Annual Fee
$150
First Year Value
$543.9
$193.9 in years after
Interest Rates
Cash Advance: 22.99%
Purchase: 20.99%
Annual Fee
$150
Annual Income
Personal: $60,000
Household: $100,000
Credit Score
Good
Welcome Bonus
Earn 25,000 bonus Scene+ points by making at least $1000 in everyday eligible purchases in your first 3 months. Plus, another 10,000 bonus Scene+ points after making $40,000 of purchases annually.
Card Type
Category: Points
Loyalty Program: Scene+
Our Rating
4.3/5
Voted Best Foreign Exchange Credit Card in 2024
Institution
Scotiabank
Rewards
- 3 Points on on every $1 you spend at Sobeys, Safeway, IGA, Foodland & Participating Co-ops
- 2 Points dining and at other eligible grocery stores,entertainment purchases which includes movies, theatre, and ticket agencies and Rides which includes rideshare,buses,taxis, subways and more
- 1 Point on everything else
Scotiabank Passport® Visa Infinite* Card Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Grocery stores participating in Scene+ Reward program
3,096 points
All other categories with bonus points
18,546 points
All other purchases
12,748 points
Annual Fee
- $150
Net Annual Rewards
34,390 points
Valued at $193.9 (after fees)
Rewards Summary
Net Annual Rewards
34,390 points
Valued at $193.9 (after fees)
First Year Card Bonus
25,000 points
Valued at $250
First Year Card Value
59,390 points
Valued at $443.9
Finly Rebate
$100
Point Redemptions
Redemptions Chart
Entertainment and Experiences
$443.9
Travel
$443.9
Groceries (At Sobeys)
$443.9
Gift Cards
$289.49
Restaurants
$443.9
Merchandise
$301.37
Statement Credits
$265.73
Insurance & Benefits
Insurance
Coverage
Emergency Out of province Medical
$2M/insured up to 25 daysEmergency Medical Over 65
$2M/insured up to 3 days
Trip Cancellation
$1,500/person, $10,000/trip
Trip Interruption
$2,500/person, $10,000/trip
Flight Delay
$500/person after 4 hours
Lost or Stolen Baggage
$1000Baggage Delay
$1000
Travel Accident
$500,000/insured, $1M combined.svg)
Car Rental Damage & Theft
$65,000 up to 48 days
Hotel Burglary Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
No Foreign Transaction Fees
Airport Lounge - Dragon Pass
6 Free complimentary visits.svg)
Status lift
Avis® Preferred Plus membership.svg)
Concierge Services
Visa Infinite Exclusive Benefits
Pros & Cons
Pros
- High Rewards on Select Purchases: Earn up to 3 points per $1 spent on select categories.
- No Foreign Transaction Fees: Shop abroad without additional charges.
- Comprehensive Insurance: Includes 11 types of insurance coverage.
- Airport Lounge Access: Enjoy up to 6 airport lounge passes per year through the Visa Airport Companion program.
Cons
- High Income Requirements: Requires $60,000 personal or $100,000 household income.
- Lower Overall Rewards: Rewards potential is lower compared to premium credit cards.
- High Annual Fee: Comes with a significant annual fee.
- Average Insurance Coverage: Insurance benefits are standard, not exceptional.
- Mediocre Earnings Potential: The card’s rewards structure might not offer the highest returns for every spender.
Scotiabank Passport® Visa Infinite* Card Review
How you Earn Rewards
- 3 Scene+ Points on on every $1 you spend at Sobeys, Safeway, IGA, Foodland & Participating Co-ops
- 2 Scene+ Points dining and at other eligible grocery stores,entertainment purchases which includes movies, theatre, and ticket agencies and Rides which includes rideshare,buses,taxis, subways and more
- 1 Scene+ Point on everything else
How Scotiabank Passport Visa Infinite Card Rewards Can be redeemed
Reasons and Benefits to have Scotiabank Passport Visa
1. No Foreign Transaction Fee
2. Comprehensive list of travel insurance
3. Lounge visit with a higher number of visits
Downsides of the Scotiabank Passport Visa Infinite Card
1. Not a great reward card
2. Annual Fee and requirements
Scotiabank Passport Visa Infinite Card Comparison to some similar cards
| Scotiabank Passport® Visa Infinite* Card | Scotiabank Gold American Express® Card | TD Aeroplan® Visa Infinite* Card | |
|---|---|---|---|
Welcome Bonus | Up to 35,000 Scene+ points | Up to 45,000 Scene+ points ($450 value) | Up to 40,000 Aeroplan® points |
Earn Rates |
|
|
|
Insurance Included | 12 types
| 13 types
| 13 types
|
Perks | 5 perks
| 4 perks
| 10 perks
|
Annual Fee | $150 | $120 | $139 |
Income Requirements | $60,000 personal or $100,000 household | $12,000 personal or $12,000 household | $60,000 personal or $100,000 household |
Apply Now | Apply Now | Apply Now | Apply Now |
.svg){kind=small}
How to Apply for the Scotiabank Passport Visa Infinite Card
- Click on the “Apply now” button on the Scotiabank website.
- Specify if you are a current or new Scotiabank customer. If you’re an existing customer, log in; otherwise, proceed as a new applicant.
- Review the card's terms and conditions, then click "Agree and continue."
- Fill in your personal information (name, contact details, etc.) and create a username and password.
- Provide financial details, including your income and employment status.
- Upload any necessary documentation, if requested.
- Finally, review and submit your completed application.