Accountants

Subject to credit approval. Preferred rates may vary per applicant and are subject to change. Additional conditions may apply. Offer may be changed, cancelled, or extended at any time without notice.

Subject to credit approval. This is not a commitment to lend.

The monthly account fee is waived for eligible accountant clients on one (1) Select Account for business Plan B account (“Account”). The monthly account fee will be waived and will not appear as a charge on your Account provided the Account is open and in good standing at the time of the waiver. All other applicable service charges on the Account will continue to be applied. Maximum one offer per customer. This offer is non-transferable and may be changed, cancelled, or extended at any time without notice.

Transactions that are included in the monthly plan fee for each applicable account plan option are allocated in the order in which they appear on the Transaction Fees Chart of Your Guide to Fees and Interest Schedules. Additional transactions are charged on a “pay-per-use” basis when applicable.

Maximum per account, per statement cycle.

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.

Subject to approval. If you open a new Scotiabank Passport Visa Infinite Business credit card account (“Account”) you will receive an annual fee waiver for the first year only (“First Year Annual Fee Waiver”) as long as you are a Scotia Professional Plan or Scotia Professional Plan Lite customer and provided the Account remains open and in good standing. The Account is considered in good standing if it is not delinquent (past due) or over limit and there is no breach of the Revolving Credit Agreement or any other agreement(s) that applies to the Account. The Account will only receive one First Year Annual Fee Waiver regardless of the number of accountholders on the Account. All other fees and charges applicable to the Account continue to apply. First Year Annual Fee Waiver is non-transferable and cannot be combined with any other annual fee waiver offer. Current annual fees, rates and other features for the Account are subject to change.

Offer Description and Conditions: The 40,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite Business credit card accounts (“Account”) opened between May 1, 2026, and Feburary 28, 2027 (regardless of the date you apply for the Card), and is subject to the conditions below.

To be eligible for 30,000 bonus Scene+ points (the “30,000 Point Bonus”), you must have at least $5,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date.  To qualify for an additional 10,000 bonus Scene+ points (the “10,000 Point Bonus”), you must have at least $60,000 in eligible purchases posted to your new Account in the first year (12 months) of 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 or cash-like transactions), interest, fees, or other charges. 

Point Bonus Fulfilment: The applicable point Bonus(es) will be credited within approximately 8 weeks after the qualifying amount in eligible purchases (i.e., $5,000 or $60,000) has been posted to the Account (within the first 3 months for the 30,000 Point Bonus or within the first 12 months for the 10,000 Point Bonus) provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 30,000 Point Bonus and 10,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $5,000 or $60,000) in the appropriate time frame (i.e., first 3 months or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 30,000 Point Bonus or the 10,000 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+.  The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.   All other terms and conditions of the Scene+ Program continue to apply during the Offer period.  Offer may be changed, cancelled, or extended without notice at any time and cannot be combined with any other offers.

Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank business credit card in the past 2 years, including those that switch from an existing Scotiabank business credit card, are not eligible for the Offer. Subject to the above exclusions, Scotiabank personal credit cardholders are also eligible for the Offer.  By accepting this Offer you confirm you meet all Offer requirements. We reserve the right to revoke this Offer at any time if we determine you do not meet the Offer eligibility requirements, including after you have accepted the Offer or been approved for the Account. 

Rates and Fees: The current annual fee is $199 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders).

The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features, and benefits are outlined in the Welcome Kit you will receive if approved and are subject to change.

You will earn 1.5 Scene+TM 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. Scene+TM 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 Scene+TM points are not eligible for redemption.  See the Scene+TM program terms at www.sceneplus.ca/en-ca/terms-and-conditions  for more information.

Primary Cardholders with a valid Scotiabank Passport™ Visa* Infinite Business Card account (the “Account”) have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd.  Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website using a valid Card on the Account. Upon enrollment, 6 complimentary lounge visits will be available for the Primary Cardholder per membership year; the complimentary visits can be used by any Cardholder for themselves and for their accompanying guests at participating lounges (however, Primary Cardholder must be present for each such use).  Lounge visits are counted on a per person per visit basis (e.g. lounge access by a Cardholder and one accompanying guest will count as two (2) visits). All additional visits beyond complimentary visits are subject to a fee of $32 USD (subject to change)per person per visit. Applicable lounge access fees will be charged to the Card connected to the Cardholders’ Program membership (i.e. the Card enrolled in Program).

To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and Website.  To view the full Terms and Conditions for the Program, including DragonPass Terms of Use and Privacy Policy and Visa’s Privacy Policy that apply to the Program, visit the Visa Airport Companion Program App or Website.

The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor The Bank of Nova Scotia is responsible for the Program or any claims or damages arising from participation in the Program.

Unless the Program membership is suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (based on date when the Cardholder enrolled for the Program). Program membership will be cancelled if your Scotiabank Passport™ Visa* Infinite Business Card is cancelled. If your Scotiabank Passport™ Visa* Infinite Business Card is renewed or replaced, remember to update your card details within the Visa Airport Companion Program (either on the App or on the Program Website).

Access upon presentation of a valid and enrolled Scotiabank Passport™ Visa* Infinite Business Card, while available in most lounges within the Visa Airport Companion Program, is subject to availability.

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 Statement for this Card. This fee relates to the 2.5% mark-up that is typically charged by credit card issuers in addition to the exchange rate. See the Foreign Currency Conversion section of the Welcome Kit for this Card or download it at www.scotiabank.com/welcomekits for full details. Rates and fees are subject to change.

Scotiabank is not an insurer. All claims for insurance indemnities must be forwarded to the insurers. Complete details of the coverage are in the Certificate of Insurance and Terms and Conditions provided with the new Card.

3% CASH BACK EARN RATE:  You will earn 3% Cash Back on eligible Purchases on your Account at gas stations, electrical vehicle (EV) charging, restaurants, office supply stores, and on recurring bill payments.  3% Cash Back applies at merchants which are classified in the payment network associated with your Account as:  Service Stations (with or without ancillary services) and Automated Fuel Dispensers; Restaurants, Fast Food Restaurants and Bars; Stationery and Office Supply Stores; and Recurring Payments (Merchant Classification Codes (“MCC”): 5541, 5552 & 5542; 5812, 5813 & 5814; and 5111 & 5943).   Recurring payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your Account.  Recurring payments typically include telecommunication, insurance, membership, and subscriptions purchases. Not all merchants offer recurring payments. (Please check with your merchant to see if they offer recurring payments on credit cards.)  

2% CASH BACK EARN RATE: You will earn 2% Cash Back on eligible Purchases on your Account for shipping and accounting or bookkeeping services.  2% cashback applies at merchants which are classified in the payment network as shipping (MCC: 4214 and 4215) and accounting or booking services (MCC 8931). 

Annual Spend Limit on 3% and 2% Earn Rate Categories (the “Accelerated Earn Rates”):  The combined cashback that can be earned on eligible purchases under the 3% and 2% earn rate categories (the Accelerated Earn Rates) will be capped at $40,000 in spend annually.  See “Annual Spend Limits” for more information.  

1% CASH BACK EARN RATE (the “Regular Earn Rate”): You will earn 1% Cash Back on eligible Purchases made on your Account after you have reached the combined annual spend limit of $40,000 on the 3% and 2% earn categories (the “Overflow”) and on all other eligible Purchases made with the Account.    

Annual Spend Limits:  

There are annual limits on the Cash Back you can earn at Accelerated Earn Rates, as outlined in these Cash Back Program Terms. These limits are based on Purchases posted to your Account annually, calculated from your statement period, starting from the statement period of the month your Account was opened (“Account opening date”). The annual spend limit resets every 12 months from the statement period of the month of your Account opening date.  Once you exceed the annual spend limits for any Accelerated Earn Rate(s), you will continue to earn Cash Back at the Regular Earn Rate

Offer Description and Conditions: The Introductory 2.99% Balance Transfer Rate Offer (the “Offer”) applies only to new Scotia Momentum for business Visa credit card accounts (“Accounts”) that are opened between November 2, 2026, and April 30, 2027 (regardless of the date you apply for the Card), subject to the conditions below.  

The introductory rate will last for 6 months from the date of Account opening (the “Promotional Period”) and will apply only to eligible cash advances (including balance transfers and cash-like transactions) (collectively “Cash Advances”) made during the Promotional Period.  After the Promotional Period, the introductory 2.99% interest rate on any Cash Advances made during the Promotional Period (including any amount of those Cash Advances that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%).  There is no balance transfer fee applicable to Cash Advances made during the Promotional Period.

This Offer is subject to the approved credit limit and any Cash Advance limit on your Account, each as of the date of this Offer. This means if a Cash Advance amount(s) requested exceeds your approved credit limit as of the date this Offer was provided to you, it may not be processed.  This Offer cannot be used for any Scotiabank account including to transfer a balance from another Scotiabank account, or to make a payment or deposit to another Scotiabank account.  Offer may be changed, cancelled, or extended at any time without notice and cannot be combined with any other offers.

Losing your promotional rate: If we don’t receive the minimum payment on your Account by the payment due date on your statement, two consecutive times, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 25.99% on purchases and 27.99% on Cash Advances.

How we apply payments: Your payment cannot be applied to the balance(s) of your choice: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. See your credit card agreement for more information about how we apply payments to your Account.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank business credit card in the past 2 years, including those that switch from an existing Scotiabank business credit card, are not eligible for Offer. Subject to the above exclusions, Scotiabank personal credit cardholders are also eligible for the Offer. By accepting this Offer you confirm you meet all Offer requirements. We reserve the right to revoke this Offer at any time if we determine you do not meet the Offer eligibility requirements, including after you have accepted the Offer or been approved for the Account.

Rates and Fees: The current annual fee is $79 for the primary card and $29 for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on Cash Advances.

All rates, fees, features, and benefits are outlined in the Welcome Kit you will receive if approved and are subject to change. 

Customers enrolled in the ScotiaConnect ‘Cash Management Zero – Lawyers/Accountants’ plan are eligible for a 6-month waiver of all Cash Management Zero Plan related fees, commencing from and including the month of enrollment. Note - Business Tax related fees are exempt from the 6-month fee waiver. After the 6-month waiver period, standard fees apply.

Merchant Services are provided by Chase Payment Solutions† (“Chase”).  Your access to and use of any products and services offered by Chase Payment Solutions is governed solely by their terms and conditions. The Bank of Nova Scotia (“Scotiabank”) is not responsible for, and provides no representations, warranties or conditions regarding, any third-party products or services, including those of the companies featured above. A referral by Scotiabank to Chase will result in a referral fee or other revenue being paid to Scotiabank.

Deposit Fees are waived for Chase customers using select Scotiabank business accounts including Right Size Account for business, Select Account for business, SPP Plus Account Plan, Dual Rate Investment Account, ScotiaOne Account Plan for Agriculture, Scotia® Community Account Plan. The Basic Business Account is excluded. Customers are subject to a transaction fee for each of their Visa, MasterCard and Interac deposit transactions if they process payments with a service provider other than Chase.

Next-day funding is available to Chase customers for Visa*, Mastercard^** and Interac e-Transfer† transactions only. Next-day funding is subject to merchant credit approval and all funds are subject to fraud monitoring. Qualifying funds are deposited on the next business day, excluding weekends and bank holidays.