Scotia Momentum® Visa Infinite* Card vs Scotiabank Passport® Visa Infinite* Privilege Card: Which one is better?

Scotia Momentum® Visa Infinite* Card

4.6

Finly Rating

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RECOMMENDED CREDIT SCORE*

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

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Scotiabank Passport® Visa Infinite* Privilege Card

4.5

Finly Rating

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RECOMMENDED CREDIT SCORE*

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Get your free credit score

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.

Our Cash Offer

$100 Cash Rebate offer from FinlyWealth

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Our Cash Offer

$175 Cash Rebate offer from FinlyWealth

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Rewards Breakdown

Annual Rewards

$407.15

First Year Bonus Value

$200

Annual Fee

$120

First Year Waived

Finly Rebate

$100

Exclusive Offer

First Year Value

$707.15

$287.15 in years after

Based on a hypothetical $2,000/mo average spending. Calculate your rewards.

Rewards Breakdown

Annual Rewards

$322.93

Scene+

First Year Bonus Value

$300

Scene+

Annual Fee

$599

Finly Rebate

$175

Exclusive Offer

First Year Value

$198.93

-$276.07 in years after

Based on a hypothetical $2,000/mo average spending. Calculate your rewards.

How to Earn Rewards

4% cashback on groceries, recurring payments (up to $25,000 in purchases, equals to $1000 cashback per year then drops to 1%)
2% cashback on gas, daily transit (maximum $500 cashback per year)
1% cashback on all other credit card purchases (unlimited).

How to Earn Rewards

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. That's a total of 6X the points!
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.

Insurance Included

Lost or Stolen Baggage

$500

Baggage Delay

$500

Car Rental Damage & Theft

48 days

Travel Accident

$500,000

Mobile Device Insurance

$1,000

Extended Warranty

1 year

Purchase Protection

90 days

Emergency Medical Term

15 days

Trip Cancellation

$1,500

Trip Interruption

$2,000

Flight Delay

$500

Insurance Included

Lost or Stolen Baggage

$2,500/person (max $5,000 per trip)

Baggage Delay

$1000/person

Car Rental Damage & Theft

Covers vehicles MSRP ≤ $85k, rentals ≤ 48 days

Travel Accident

$500,000/insured

Mobile Device Insurance

$1,000

Extended Warranty

2 years

Purchase Protection

180 days

Emergency Medical Term

$5M/insured up to 31 days

Trip Cancellation

$2,500/person, $10,000/trip

Trip Interruption

$5,000/person, $25,000/trip

Flight Delay

$1000/person

Hotel Burglary Insurance

$2,500

Emergency Medical (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

Concierge Services

24/7 Visa Infinite Privilege concierge (English & French)

Status lift

Avis President’s Club membership – two class upgrades, priority service.

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

Loyalty Program

N/A

Loyalty Program

Scene+

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.
Cashback is paid out once per year in November

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.

Other Comparisons

vs Scotiabank Value® Visa* Card

vs Scotiabank Platinum American Express® Card

vs Scotia Momentum® No-Fee Visa* Card

vs Scotia Momentum® Mastercard®* Credit Card

vs Scotia Momentum® Visa* Card

vs Scotiabank Passport® Visa Infinite* Card

vs Scotiabank® Scene+ Visa Card

vs Scotiabank American Express® Card

vs Scotiabank Gold American Express® Card

Legal

See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

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