Scotiabank Passport™ Visa Infinite Business* Card

Cash Advances are balance transfers Scotia Credit Card Cheques, cash-like transactions   

To apply for the Scotiabank Passport Visa Infinite Business Card you must declare that you meet  at least one of the following requirements:

You have a minimum business annual sales revenue of CAD $500,000, you have at least $60,000 in personal annual income, you spend at least $30,000 annually on your credit card, you have a least $100,000 in annual household income, or you have at least $250,000 in assets under management.

For a limited time, become a new Scotiabank Passport Visa Infinite Business credit cardholder and earn a one-time 35,000 Scotia Reward point bonus with your first $5,000 in everyday eligible purchases for your business if made within the first 3 months (the “Bonus Offer”). Bonus Offer ends July 31, 2019. Conditions apply - see below1  for further details. Bonus Offer may change, be extended and cannot be combined with any other offers.

Plus, as a Scotiabank Passport Visa Infinite Business credit cardholder you are eligible to earn a one-time 15,000 Scotia Rewards point bonus when you spend at least $60,000 in everyday eligible purchases on your Scotiabank Passport Visa Infinite Business card account. Conditions apply - see below ² for further details.

The current annual fee for the Scotiabank Passport Visa Infinite Business credit card (the “Account”) is $199 for the primary card, $0 for a secondary card and $50 for each supplementary card.

The current preferred annual interest rates for this Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.

To be eligible for the 35,000 bonus Scotia Rewards points (the “Bonus Offer”), you must have at least $5,000 in eligible purchases posted to your Scotiabank Passport Visa Infinite Business credit card account (“Account”) in the first 3 months from the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. Any bonus points received under the Bonus Offer will be credited to the primary cardholder’s Scotia Rewards account within 5 to 10 business days after the first 3 months has passed, provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (past due) or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.

Former or current Scotiabank credit cardholders of any kind in the past 2 years, including those that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account, are excluded from this Offer. Offer may change, be extended and cannot be combined with any other offers.

As a Scotiabank Passport Visa Infinite Business credit cardholder earn a one-time Scotia Rewards point bonus of 15,000 bonus Scotia Rewards points when you make at least $60,000 in eligible purchases in your first year (12-months) on your Scotiabank Passport Visa Infinite Business card account (the “Account”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. Annual period starts from the Account open date. 

Bonus Scotia Rewards points will be applied within two statement cycles after you have met the $60,000 annual spend on the Account, provided your Account is open and in good standing. The Account is considered in good standing if it  is not delinquent (past due) or over limit and the Cardholders(s) is not in breach of the Revolving Credit Agreement that applies to the Account.

You will earn 1.5 Scotia Rewards points per $1 on eligible business purchases. Points are not awarded for Cash Advances (including Balance Transfers, Scotia® Credit Card Cheques and Cash-Like Transactions), returns, refunds or other similar credits, card payments, fees, interest charges or other charges. Scotia Rewards points must be redeemed within 60 days of account closure or they will be deleted permanently. If your account is not in good standing, the accumulated Scotia Rewards points are not eligible for redemption.  See the Scotia Rewards program terms at www.scotiarewards.com for more information.

We will not charge you Foreign Transaction Fees on foreign currency transactions including purchases, only the exchange rate applies. The term “Foreign Transaction Fees” is a substitute for “Foreign Currency Conversion” as described in the disclosure section of the Welcome Kit for this Card.  This fee relates to the mark-up that is typically charged by credit card issuers in addition to the exchange rate. See the disclosure section of this Card’s Welcome Kit or download it by visiting http://www.scotiabank.com/welcomekits for full details. Rates and fees subject to change.

Priority Pass™ membership is for the Primary Cardmember on the Scotiabank Passport Visa Infinite Business account. It includes access to airport lounges participating in the Priority Pass program. Certain terms, conditions and exclusions apply. Unless cancelled, Priority Pass membership automatically renews on its anniversary date. Priority Pass membership will be cancelled if your Scotiabank Passport Visa Infinite Business Card is cancelled. Lounge visits are counted on a per person per visit basis (e.g. Lounge access by a Cardmember and one accompanying guest will count as two (2) visits). The first 6 lounge visits for the primary Cardmember per 12-month cycle from date of enrolment are complimentary. Beginning with the 7th visit for the primary Cardmember, lounge visits are subject to a per person per visit charge of $27 USD (this per visit fee is subject to change by Priority Pass). For complete Priority Pass terms and conditions, please visit www.prioritypass.com/Conditions-of-use.cfm. Priority Pass membership and services are provided by a third party and offered through Visa Canada. The Bank of Nova Scotia, nor Visa, and their affiliates are not responsible for Priority Pass membership and services.

Visa SavingsEdge is an automated discount program offered by Visa Canada Corporation ('Visa Canada') to eligible businesses and their authorized cardholders that hold an eligible Visa Business card and whose enrollment in the program is accepted by Visa. Under the program, cardholders can receive discounts from participating merchants each time the cardholder uses an enrolled Visa Business card to make qualifying purchases of goods or services pursuant to an active discount offered by the merchant and that transaction is processed or submitted through the Visa payment system. Discounts provided will appear as credits on future credit card statements 4-6 weeks after purchase date. Visa Canada, not Scotiabank, is responsible for the Program. For details, visit www.visasavingsedge.ca. The following Scotiabank Visa Business cards are eligible for this program: Scotiabank Passport™ Visa Infinite Business* card, Scotia Momentum®  for business Visa* card, ScotiaGold Passport® for business Visa* card, ScotiaLine® for business Visa* Card, Scotiabank Visa* Business Card, and Scotiabank®  GM®  Visa* Business Card.

The Visa Business Reporting service is provided by Visa Canada. The Bank of Nova Scotia and its affiliates are not responsible for the Visa Business Reporting service.

The Visa Payment Controls service is provided by Visa Canada. Visa Payment Controls only applies to enrolled Visa Business Card transactions that are processed through the VisaNet transaction-processing system and will not block transactions that are processed through non-Visa networks or transactions that occur off-line. Transactions that exceed the Cardholder’s specified authorization parameters also may not be blocked due to incorrect or incomplete transaction data received by Visa or for other reasons. Cardholder is responsible for any text message, data or other wireless carrier charges incurred by the Cardholder as a result of email or SMS text block notifications. The Bank of Nova Scotia and its affiliates are not responsible for the Visa Payment Controls service.

Scotia Rewards Travel Service provided by a duly licensed 3rd party travel agent: Visit scotiarewards.com for full terms and conditions about the Scotia Rewards Program, including the Scotia Rewards Travel Service.

Terms and conditions apply. Visit scotiarewards.com for the full terms and conditions including the Scotia Rewards Program terms and conditions.

The savings of up to 25% applies to Avis base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. Avis Preferred Plus membership and services are provided by a third party. The Bank of Nova Scotia and its affiliates are not responsible for Avis Preferred Plus membership and services.

You must be an eligible Visa Infinite Business cardholder with a valid Visa Infinite Business Card to take advantage of the Visa Infinite benefits and services. Discounts and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Visa reserves the right to modify or cancel offers at any time and without notice. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. All offers, benefits and services are subject to complete terms and conditions, including third party suppliers’ terms and conditions (available at www.visainfinite.ca/infinite/en/terms.html). The Visa Infinite privacy notice (available at www.visa.ca/en_CA/legal/global-privacy-notice.html) applies to all benefits and services that require enrollment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection, use and disclosure of cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite Business Cardholders are subject to such third parties’ own privacy policies. All Visa Infinite Benefits are provided by Visa or its affiliates. The Bank of Nova Scotia and its affiliates are not responsible for Visa Infinite benefits.

Common Carrier Travel Accident Insurance coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC). Travel Emergency Medical Insurance is underwritten by ABLAC, except for travel in Cuba which is underwritten by Zurich Insurance Company Ltd. All other coverages are underwritten by American Bankers Insurance Company of Florida (ABIC). The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the insurers. Details of the coverage, including definitions, benefits, limitations, and exclusions, including a pre-existing condition for certain benefits, are in the Certificates of Insurance provided with the card.   Read the Certificates of Insurance and keep them in a safe place with your other valuable documents.  ABIC and ABLAC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant®.  ®Assurant is a registered trademark of Assurant, Inc.

This insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada. Conditions, limitations and exclusions apply. Please read the Program Description carefully.

Scotia Business Loan Protection is underwritten by The Canada Life Assurance Company.

Registered trademark of The Bank of Nova Scotia.

Trademark of The Bank of Nova Scotia

Visa Int./ Licensed user.

For all insurance coverages, certain limitations, restrictions and exclusions apply, including a pre-existing condition for certain benefits. Please refer to the Certificates of Insurance posted on our website at scotiabank.com for a full description of coverage. The Bank of Nova Scotia is not an insurer