Scotia Momentum® Visa Infinite* Card vs Scotiabank Passport® Visa Infinite* Privilege Card: Which one is better?
Scotia Momentum® Visa Infinite* Card
4
Scotiabank Passport® Visa Infinite* Privilege Card
4.5
Finly Rebate
Finly Rebate
Rewards Breakdown
Annual Rewards
$407.15
First Year Bonus Value
$200
Annual Fee
$120
$0
First Year Waived
First Year Value
$607.15
$287.15 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$322.93
Scene+
First Year Bonus Value
$300
Scene+
Annual Fee
$599
First Year Value
$23.93
-$276.07 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included*
Lost or Stolen Baggage
$500
Baggage Delay
$500.svg)
Car Rental Damage & Theft
48 days
Travel Accident
$500,000
Mobile Device Insurance
$1,000
Extended Warranty
1 year
Purchase Protection
90 days
Emergency Out of province Medical
15 days
Trip Cancellation
$1,500
Trip Interruption
$2,000Flight Delay
$500
Insurance Included*
Lost or Stolen Baggage
$2,500/person (max $5,000 per trip)Baggage Delay
$1000/personCar Rental Damage & Theft
Covers vehicles MSRP ≤ $85k, rentals ≤ 48 daysTravel Accident
$500,000/insuredMobile Device Insurance
$1,000Extended Warranty
2 yearsPurchase Protection
180 daysEmergency Out of province Medical
$5M/insured up to 31 daysTrip Cancellation
$2,500/person, $10,000/tripTrip Interruption
$5,000/person, $25,000/tripFlight Delay
$1000/person
Hotel Burglary Insurance
$2,500Emergency Medical Over 65
$5M/insured up to 10 days
Extra Benefits*
Visa Infinite Exclusive Benefits
Yes
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car
Extra Benefits*
Visa Infinite Exclusive Benefits
No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada
Airport Lounge - Dragon Pass
10 Free complimentary visits.svg)
Concierge Services
24/7 Visa Infinite Privilege concierge (English & French).svg)
Status lift
Avis President’s Club membership – two class upgrades, priority service..svg)
Travel Credit
$250 annual Scene+ Travel credit – automatic statement credit on your first Expedia‑powered booking each membership year.
Priority Travel
Dedicated security and taxi lanes, valet and parking discounts at select Canadian airports.
Interest Rates*
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates*
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Annual Fee*
$120
$0
First Year Waived
Annual Fee*
$599
Income Required*
Min Personal Income:
$60,000
Min Household Income:
$100,000
Income Required*
Min Personal Income:
$150,000
Min Household Income:
$200,000
Welcome Bonus*
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on additional cards.
Welcome Bonus*
Earn 30,000 bonus Scene+ points by making at least $3,000 in everyday eligible purchases in your first 3 months. Earn an additional 30,000 bonus Scene+ points when you spend at least $20,000 in everyday eligible purchases in your first 6 months. Earn an additional 20,000 bonus Scene+ points when you make at least one eligible purchase that is posted to your new Account during the 14th month after the month the Account was opened.
Rewards Rate*
- 4% cashback on groceries, recurring payments (maximum $1000 cashback per year)
- 2% cashback on gas, daily transit (maximum $500 cashback per year)
- 1% cashback on all other credit card purchases (unlimited).
Rewards Rate*
- 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.
Loyalty Program*
N/A
Loyalty Program*
Point Redemption Options*
Not Applicable
Point Redemption Options*
Entertainment
1¢ / point
Travel
1¢ / point
Groceries (Sobeys)
1¢ / point
Restaurants
1¢ / point
Merchandise
0.76¢ / point
Gift Cards
0.74¢ / point
Statement Credits (Cash)
0.7¢ / point
Is this card worth it?
The 4% cashback offered on groceries and recurring purchases is the highest among all other credit cards. With the first year's annual fee waived, and with the right transactions used on this credit card, a high amount of cashback could be earned.
Is this card worth it?
For frequent flyers who want a single card that handles almost every travel need, this one’s hard to beat. It offers a hefty intro bonus of up to 80 k Scene+ points (worth roughly $800 toward travel), an annual $250 Scene+ Travel credit that’s as good as cash when you book through Expedia, and ten complimentary DragonPass lounge visits each year. Pair that with no 2.5% foreign‑currency markup, rich earn rates on travel (3x) and dining/entertainment (2x), and unusually comprehensive travel insurance, and the $599 fee can pay for itself quickly for anyone who travels a few times a year.
Pros
- Highest Cashback rates on Groceries and Recurring purchases compared to other cashback credit cards.
- High insurance coverage.
- First year annual fee waived.
Pros
- No foreign‑transaction surcharge on any purchase made in a currency other than CAD—saves 2.5% every time.
- Up to 80k Scene+ welcome points after meeting tiered spending targets (up to $800 in value).
- $250 annual travel credit you can apply to flights, hotels, cars, or packages booked through Scene+ Travel.
- 10 free DragonPass lounge visits per membership year (primary cardholder and each supplementary card have their own quota).
- Accelerated earn rates: 3x points on travel and 2x on dining & entertainment, 1x everywhere else.
- Extensive protection: $5M emergency medical (31 days, 10 days if 65+), trip‑cancel/interruption, flight & baggage delay, car rental‑LDW, mobile‑device, purchase security & extended warranty.
- Premium extras such as Avis President’s Club, Relais & Châteaux, Visa Infinite Privilege concierge, wine‑country and dining‑series perks.
Cons
- The base cashback rate (1%) is low for most high spent categories, especially after the first year when the card's annual fee kicks in.
Cons
- High annual fee: $599 for the primary card and $199 per supplementary card.
- Steep qualification bar: personal income $150k, household $200k, or $400k in assets.
- Scene+ points are fixed‑value, so there’s no “first‑class sweet‑spot” like with airline programs.
- Not suited to carrying a balance – 20.99% purchase rate and 22.99% cash‑advance/BT.
- Lounge benefit is visit‑based (no restaurant credits) and relies on DragonPass locations and capacity.
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