Scotiabank Passport Visa Infinite Business Card
Scotiabank
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
Researching and writing about Canadian credit cards and rewards since 2026.
“Scotiabank Passport Visa Infinite Business Card Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/scotiabank-passport-visa-infinite-business, updated June 2026.
- Scotiabank cardholder agreement and rates & fees disclosure
- VaultNerd cards database