40,000 Scene+ points
Apply Now$1,300
First-year value
40,000
Scene+ points
$199
Annual fee
First Year Free
Based on minimum spend to earn the full welcome bonus and Prince of Travel's valuation of Scene+ points at 1 cents per point.
Last updated: February 13, 2026
The Scotiabank Passport® Visa Infinite Business* Card is Scotiabank's premium travel credit card for small business owners.
With an impressive 1.5% return on business spending and no foreign transaction fees (a unique benefit among business credit cards), this card is ideal for small business owners who are seeking a simplified and accessible rewards program in Scene+.
Canada’s 6 Best Scotiabank Credit Cards
Read more| Tier | Amount | Requirement |
|---|---|---|
| Spend threshold | 30,000 | $5,000 spend in 3 months |
| Spend threshold | 10,000 | $60,000 spend in 12 months |
| Total | 40,000 Scene+ points |
Annual Fee
$199
First Year
Free
Additional Card
$50/year
The tiered welcome bonus rewards immediate activation and sustained spend, making it well-suited for businesses that can route $5,000 through the card in the first quarter and maintain momentum throughout the year. Without a first-year fee waiver, you're betting on lounge access, travel insurance, and accelerated earn rates to offset the upfront cost – a calculation that pencils for frequent travellers, not occasional ones.
Scene+ redemptions deliver strongest value through the travel portal or at partner merchants like Cineplex and Empire grocers, so businesses with entertainment budgets or catering needs can amplify returns beyond straight travel bookings.
| Category | Rate |
|---|---|
| All Purchases | 1.5× |
A flat 1x rate across all business spending makes this a clean everyday card – no category tracking, no caps, no surprises. You'll max out value on large overhead expenses like software, supplies, and contractor payments where category-specific cards don't apply.
Scene+ is a fixed-value currency, so you're trading the upside of transfer partners (like Amex or RBC) for simplicity and predictability. If you prefer straightforward redemptions over optimizing award charts, that's the right tradeoff.
Scene+ shines through its fixed-rate travel redemption model – charge any travel expense to your card, then redeem points at 1 cent per point to offset the purchase. This beats the opaque portal rates at TD, CIBC, and RBC, and you earn full elite status credits and miles since you book direct.
The programme lacks airline transfer partners, so there's no access to premium cabin sweet spots or outsized redemption values. Scene+ works best for economy flights, boutique hotels, and travel booked outside traditional loyalty programmes – think Airbnb, Porter, or VIA Rail.
Read Our Full Scene+ Guide
Read moreNo foreign transaction fees
General6 Visa Airport Companion lounge visits per year
GeneralThe no-FX-fee benefit alone makes this card worth carrying abroad – you'll save roughly 2.5% on every transaction compared to most cards, and that adds up fast on business trips. Stack it with six complimentary lounge visits per year through the Visa Airport Companion Program, and you've got a lean, practical toolkit for frequent cross-border travel.
This isn't a perk-heavy card – no credits, no elite status, no insurance suite – but the FX savings are immediate and automatic every time you swipe overseas. If your business involves regular US or international spending, the value proposition is straightforward.
Underwritten by Manulife and First North American Insurance Company (FNAIC)
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | $1,000,000 | 25 days · 10 days (65+) · Cardmember and/or Spouse, and eligible Dependent Children. Coverage includes reasonable and customary charges for emergency medical treatment, hospital accommodation, doctor charges, private duty nursing, diagnostic services, ambulance service, emergency air transport, prescription drugs, accidental dental care up to $2,000, medical appliances, return airfare, transportation to bedside, vehicle return cost up to $1,000, car accident assistance up to $200/day for 3 days, and return of deceased up to $5,000. |
| Trip Cancellation | $2,500 | $10,000/trip · charge required · Scene+ points can be used to pay for eligible expenses; policy only covers excess cost over travel rewards provided by any reward or frequent flyer plan, except Scene+ points |
| Trip Interruption | $2,500/person | $10,000/trip · charge required |
| Trip Delay | $500 | 4-hour minimum · Necessary and reasonable expenses for hotel accommodations, restaurant meals, refreshments, essential items, and sundry items within 48 hours of delay or denied boarding |
| Baggage Delay | $1,000 | 4-hour minimum |
| Baggage Loss | —/person | $1,000 total |
| Rental Car | Included | Primary CDW/LDW · MSRP ≤ $65,000 · up to 48 days |
| Travel Accident | $1,000,000 | — |
| Purchase Protection | Included | 90-day coverage |
| Extended Warranty | +1 year | — |
Pre-Existing Conditions
180-day stability period required (365 days for 65+)
View Certificate of Insurance (PDF)
The 180-day pre-existing condition stability period is unusually generous – double the 90-day standard – making this a rare find for travellers managing chronic health issues. Primary rental car coverage up to $65,000 MSRP is strong, avoiding your personal insurance and deductible entirely.
Trip cancellation limits may feel tight if you're booking premium cabins or luxury stays, but the four-hour trip delay threshold beats most competitors. For frequent short-haul business travel, this package covers the essentials without needing supplemental policies.
60,000 Scene+ points
80,000 Scene+ points
100,000 Scene+ points
45,000 Scene+ points
$200 cash back
$200 cash back
10,000 Scene+ points
5,000 Scene+ points
40,000 Scene+ points
Apply NowLast updated: February 13, 2026