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Scotiabank · creditCA
Last updated
Is the Scotiabank Passport worth keeping when the fee hits?
Apply on Scotiabank's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 3× | Groceries, dining & entertainment Inferred by source |
|---|---|
| 2× | Daily transit Inferred by source |
| 1× | Everything else Inferred by source |
Heads up: Priority Pass isn't automatic — the card makes you eligible, but you must enroll and activate your Priority Pass membership through your card's benefits portal first. Without that step you won't get in, even with the card.
| Dragonpass | Visa Airport Companion (DragonPass) — not mapped to the US airports here · 6 free visits/year Inferred by sourceWe don't track individual locations for this network yet. |
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| Trip cancellation | Travel emergency medical & trip insurance Inferred by source |
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Using Scotiabank Passport at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | The greater of $5.00 or 1% of the amount in Canada, $7.50 outside Canada Verified by source |
|---|---|
| Cash advance APR | 22.99% on cash advances, interest from day one (no grace period) Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Scotiabank Passport™ Visa Infinite* Card has a CA$150 annual fee.
Using its non-spend-gated credits fully, the Scotiabank Passport™ Visa Infinite* Card returns about CA$0 in value against its CA$150 annual fee — a net of −CA$150 per year. It only makes sense if you value its perks beyond the listed credits.
The Scotiabank Passport™ Visa Infinite* Card earns 3x on groceries, dining & entertainment, 2x on daily transit, 1x on everything else.
Yes. The Scotiabank Passport™ Visa Infinite* Card grants access to Dragonpass.
No — the Scotiabank Passport™ Visa Infinite* Card has no foreign transaction fee, so it's a good card to use abroad.