Scotiabank Passport® Visa Infinite* Privilege Card vs Scotiabank Value® Visa* Card: Which one is better?
Scotiabank Passport® Visa Infinite* Privilege Card
Scotiabank Value® Visa* Card
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.
Welcome Bonus
0.99% introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance, 13.99% after that; annual fee $29). Plus no annual fee in the first year.
Our Cash Offer
$175 Cash Rebate offer from FinlyWealth
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Rewards Breakdown
Annual Rewards
$322.93
Scene+
First Year Bonus Value
+
$300
Scene+
Annual Fee
-
$599
Finly Rebate
+
$175Exclusive Offer
First Year Value
$198.93
-$276.07 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
N/A
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.
How to Earn Rewards
This card does not earn rewards on purchases but instead offers much lower interest rates.
Insurance Included
Lost or Stolen Baggage
$2,500/person (max $5,000 per trip)
Baggage Delay
$1000/person.svg)
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
Hotel Burglary Insurance
$2,500
Emergency Out of province Medical
$5M/insured up to 31 daysEmergency Medical Over 65
$5M/insured up to 10 days
Trip Cancellation
$2,500/person, $10,000/trip
Trip Interruption
$5,000/person, $25,000/tripFlight Delay
$1000/person
Insurance Included
Balance Protection
optional
Extra Benefits
No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada
Visa Infinite Exclusive Benefits
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.
Extra Benefits
Car Rental Discount
Avis car rental discount up to 25% worldwide
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
13.99%2
Cash Advance:
13.99%2
Balance Transfer:
13.99%2
2 Rates, fees and other information are effective as of January 3, 2025. Subject to change.
Annual Fee
$599
Annual Fee
$29
$0$
First Year Waived
Income Required
Min Personal Income:
$150,000
Min Household Income:
$200,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program
Loyalty Program
N/A
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
Point Redemption Options
Not Applicable
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.
Is this card worth it?
This is a great card for those who carry a balance every month and want to take advantage of much lower interest rates compared to most other cards. It also comes with a great introductory balance transfer rate for a limited number of months.
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.
Pros
- A great low introductory interest rate on balance transfers
- Only 13.99% interest rate on purchases, balance transfers, and cash advances.
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.
Cons
- No rewards on daily purchases
- Limited insurance
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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.
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.