Best For: Entertainment

  • No Foreign Transaction Fee
  • Access to VIP Lounges
  • Visa Infinite Privilege Benefits
Learn More
Best No-FX Fee Credit Card In 2024

Your luxury experience starts with 80,000 Scene+ points

That’s up to $800 in value for your travels.

Rewards your way, with Scene+

  • Earn 3X the Scene+ points for every $1 you spend on eligible travel purchases. Plus, earn an extra 3X the points on hotel bookings, car rentals, and things to do when you book through Scene+ Travel, Powered by Expedia.
  • Earn 2X the Scene+ points for every $1 you spend on eligible dining and entertainment.
  • Plus, earn 1X the Scene+ points for every $1 you spend on all other eligible purchases.

$250 Annual Travel Credit

If you’re the primary cardholder, each year you’ll get a $250 statement credit on your first travel booking with Scene+ Travel, Powered by Expedia. This applies to flights, hotels, car rentals, and travel packages anywhere in the world.

Say goodbye to FX fees

Say goodbye to foreign transaction fees with the Scotiabank Passport® Visa Infinite Privilege* Card. Whether you’re shopping online or abroad, you’ll never pay a foreign transaction fee on foreign currency purchases.

Enjoy 10 complimentary airport lounge visits per year

With the Visa Airport Companion Program, you and each of your additional cardholders get access to over 1,200 airport lounges worldwide. This includes 10 free lounge visits per year. Plus, you get exclusive airport dining and retail offers.

Exclusive airport perks

Save time and money with priority security and taxi lanes, discounted valet parking, and dedicated parking.

Upgrade your next getaway at Relais & Châteaux properties

As a Scotiabank Passport® Visa Infinite Privilege* cardholder, you’re eligible for premium benefits at over 200 Relais & Châteaux properties around the world.

Explore the Visa Infinite Luxury Hotel Collection

Enjoy 7 special benefits at over 900 hotels and an 8th exciting benefit at over 200 participating hotels, hand-selected for Scotiabank Passport® Visa Infinite Privilege* cardholders.

Feel at home, anywhere you go

Get exclusive benefits at over 60 Sandman, Sandman Signature, and Sutton Place Hotels across Canada with Visa RSVP Rewards.

Become an Avis®* President’s Club member

Spend less time in line and more time on the road with a complimentary yearly Avis President’s Club membership. This includes two car-class upgrades and the option to skip the line and go straight to your car at most Avis®* locations.

Comprehensive Travel Insurance coverage

  • Travel Emergency Medical Insurance
  • Trip Cancellation and Trip Interruption Insurance
  • Flight delay insurance
  • Lost Baggage and Delayed Baggage Insurance
  • Rental Car Collision Loss/Damage Insurance
  • Hotel Burglary Insurance
  • Common Carrier Travel Accident Insurance
  • Mobile Device Insurance
  • Purchase Security Extended Warranty Protection
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*Conditions apply. Rates, fees and other information are effective as of January 3, 2025. Subject to change.

Annual Fee
  • Primary card $599
  • Additional card $199
Annual Income Required
  • Individual $150,000
  • Household $200,000
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Travel3Scene+ Points
  • Dining and Food delivery2Scene+ Points
  • Entertainment2Scene+ Points
Value
  • Year 1 $1,144
  • Year 2+ $344
Best For
  • No conversion fees
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
31 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
10 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$2,500
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • Ideal for teenagers
  • No annual fee
  • Accepted at Costco
Learn More

A game-changer card for teens

A card designed for teens and great for all. The JA Money card—powered by Neo gives you the tools to manage your money, save smarter, and get rewarded.

Exclusive cashback offers at Neo partners

  • Restaurants & Food Delivery: Enjoy 5% average cashback at awesome restaurants and Uber Eats.
  • Clothing & Footwear: Shop the latest styles and score 2% cashback at stores like Dynamite, JD Sports, and Simons.
  • Books & eBooks: Catch up on reading with 2% cashback at places like Chapters, Indigo, and Kobo.
  • Games & Entertainment: Level up with 2% cashback at spots like PlayStation, Xbox, Nintendo, and Steam.
  • Health & Fitness: Stay active with 2% cashback at places like GoodLife Fitness and YMCA.
  • And more: Use the Neo app to discover over 10,000 places to earn rewards— it’s like the Google Maps of cashback.

Features and benefits

  • Get notified in real time: Know what’s happening with your money at all times. Get notified anytime money goes in or out of your account, freeze and unfreeze your card instantly.
  • Safe, secure deposits: Deposits are eligible for CDIC protection², and payments are protected by a world-class security infrastructure.
  • Advanced app security: Protect your account with Face ID, fingerprint lock, and two-factor authentication.
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates
  • Cash Advance Rates
  • Balance Transfer Rates
Earning Rate
  • Dining and Food delivery5%
  • Entertainment2%
  • All Spending0.5%
Value
  • Year 1 $120
  • Year 2+ $120
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Learn More
  • Welcome offer: Get up to 100,000 points and the annual fee waived in the first year for both the primary cardholder and authorized users.*
  • 5x the points for every $1 spent on eligible travel purchases,* 3x the points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments,* 1 point for every $1 spent everywhere else.*
  • Memorable journeys begin with our premium flexible travel credit card!
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Points you can use to cover all flight charges & taxes*
  • Fly on any airline, with no blackout dates*
  • Redeem your points at any time through the BMO Rewards center.
  • Best-in-class travel and medical insurance (unlimited trips per year)*
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*Terms and conditions apply

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

Annual Fee
  • Primary card $150
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 23.99 %
    21.99 % (QC)
  • Balance Transfer Rates 23.99 %
    21.99 % (QC)
Earning Rate
  • Travel5Points
  • Air Canada5Points
  • Dining and Food delivery3Points
Value
  • Year 1 $1,256
  • Year 2+ $289
Best For
Transfer Partners
  • BMO Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
21 day(s)
Travel medical insurance up to 64 years old
$5,000,000
21 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
Best No-FX Fee Credit Card In 2024
  • Earn up to $1,300* in value in the first 12 months, including up to 40,000 bonus Scene+ points.
  • Earn 3x Scene+ points* on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating
    Co-ops and more
  • Earn 2x Scene+ points* for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways, taxis and more)
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
  • Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
  • No Foreign Transaction Fee
  • 6 Complimentary Airport Lounge Access
  • Comprehensive Travel Insurance coverage
  • Visa Infinite* Concierge Services
  • Visa Infinite* Hotel Collection
  • Visa Infinite* Dining and Wine Country Program
Legal

*Conditions apply. Rates, fees and other information are effective as of January 3, 2025. Subject to change.

Annual Fee
  • Primary card $150
  • Additional card $0
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2Scene+ Points
  • Dining and Food delivery2Scene+ Points
  • Local Transport2Scene+ Points
Value
  • Year 1 $797
  • Year 2+ $397
Best For
  • Grocery stores
  • No conversion fees
  • Daily transit
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
25 day(s)
Travel medical insurance up to 64 years old
$1,000,000
25 day(s)
Travel medical insurance 65+
$1,000,000
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
  • No annual fee
  • 2X points at Scene+ grocery stores (IGA, Rachelle Béry, Sobeys, etc.)
Learn More
  • Earn up to 5,000 bonus Scene+ points within your first 3 months
  • No annual fee
  • Earn 2x Scene+ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating
    Co-ops, Freshco and more* FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op
  • Earn 2x Scene+ points for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
  • Earn 2x Scene+ points for every $1 you spend at Cineplex theatres or online at cineplex.com
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
  • Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Legal

*Conditions apply. Rates, fees and other information are effective as of March 3, 2025. Subject to change. Subject to change.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2Scene+ Points
  • All Spending1Scene+ Point
  • Gas1Scene+ Point
Value
  • Year 1 $295
  • Year 2+ $240
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 5X points on groceries and dining
  • No Foreign Transaction Fee
  • American Express Online Promotional Offers
Learn More
Best credit card for families in 2023
  • Earn up to $780* in value in the first 12 months, including up to 40,000 bonus Scene+ points.*
  • You will not pay 2.5% in transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
  • Earn 6x Scene+ points on every $1 you spend at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
  • Earn 5x Scene+ points for every $1 you spend on restaurant, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
  • Earn 5x Scene+ points for every $1 you spend in Canada on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
  • Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more.
  • Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible select streaming services.
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases. Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
  • No Foreign Transaction Fee
  • Comprehensive Travel Insurance coverage
Legal

*Conditions apply. Rates, fees and other information are effective as of January 3, 2025. Subject to change.

Annual Fee
  • Primary card $120
  • Additional card $29
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries5Scene+ Points
  • Dining and Food delivery5Scene+ Points
  • Entertainment5Scene+ Points
Value
  • Year 1 $861
  • Year 2+ $461
Best For
  • Grocery stores
  • No conversion fees
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
25 day(s)
Travel medical insurance up to 64 years old
$1,000,000
25 day(s)
Travel medical insurance 65+
$1,000,000
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$1,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000