Scotiabank Passport Visa Infinite Business Card
Small business owners with significant foreign-currency or travel spend who want simple flat-rate rewards.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
A standout business travel card thanks to no FX fees, lounge visits and a clean 1.5x flat earn rate, all for a moderate $199 fee.
Reward rates
All business purchases | 1.5x |
VaultNerd values these points at ~1¢ each.
Welcome bonus
Up to 40,000 bonus Scene+ points (30,000 + 10,000)
Requirement: Spend $5,000 in first 3 months (30,000 pts) and $60,000 in first 12 months (10,000 pts). Offer for accounts opened May 1 - Oct 31, 2026
Pros
- No FX fees - rare among Canadian business cards
- Simple flat 1.5x earn with no category tracking
- Lounge access and full travel insurance suite included
Cons
- No bonus categories to accelerate earning
- 10,000-point second-tier bonus requires hefty $60,000 spend
Perks
- No foreign transaction fees on business purchases
- 6 complimentary airport lounge visits per year via Visa Airport Companion
- Flat 1.5x Scene+ points on every $1 of business spend
- Visa Spend Clarity for Business expense management tool
- Visa Infinite Business benefits and concierge
Insurance
- Travel emergency medical (25 days under 65; 10 days for 65+)
- Trip cancellation/interruption insurance
- Flight delay insurance
- Delayed and lost baggage insurance
- Travel accident insurance
- Rental car collision/loss damage insurance
- Hotel/motel burglary insurance
- Purchase security and extended warranty protection
Frequently asked questions
Is the Scotiabank Passport Visa Infinite Business Card worth it?
It charges a $199 annual fee, and we rate it 4.0 out of 5. It's best suited to small business owners with significant foreign-currency or travel spend who want simple flat-rate rewards. The welcome bonus is worth roughly $400, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the Scotiabank Passport Visa Infinite Business Card earn?
It earns 1.5x on all business purchases. We value these points at about 1¢ each, so the top rate works out to roughly 1.5% back.
What credit score do you need for the Scotiabank Passport Visa Infinite Business Card?
We'd suggest a score of around 725 or higher, which puts approval in our "hard" band. It also lists an income requirement of $60,000 personal or $100,000 household. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“Scotiabank Passport Visa Infinite Business Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/scotiabank-passport-visa-infinite-business, updated June 2026.
- Scotiabank cardholder agreement and rates & fees disclosure
- VaultNerd cards database