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Scotiabank Passport® Visa Infinite* Card vs MBNA Rewards World Elite® Mastercard®: Which one is better?
Scotiabank Passport® Visa Infinite* Card
MBNA Rewards World Elite® Mastercard®
Welcome Bonus
Earn 35,000 bonus Scene+ points by making at least $2,000 in everyday eligible purchases in your first 3 months. Plus, as a Scotiabank Passport Visa Infinite cardholder, you are eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually. Terms Apply.
Welcome Bonus
20,000 bonus points†† (approximately $165 in cash back value) after you make $2,000 or more in eligible purchases within the first 90 days of your account opening. 10,000 bonus points††(approximately $80 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening. This offer is not available for residents of Quebec.
Our Cash Offer
$100 Cash Rebate offer from FinlyWealth
Our Cash Offer
$120 Cash Rebate offer from FinlyWealth
Rewards Breakdown
Annual Rewards
$343.9
Scene+
First Year Bonus Value
+
$350
Scene+
Annual Fee
-
$150
Finly Rebate
+
$100Exclusive Offer
First Year Value
$643.9
$193.9 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$657.62
MBNA Rewards
First Year Bonus Value
+
$300
MBNA Rewards
Annual Fee
-
$120
Finly Rebate
+
$120Exclusive Offer
First Year Value
$957.62
$537.62 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- Earn 3x Scene+™ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and moreScotiabank Passport Visa Infinite Review: Benefits & Lounge Access†
- 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†
How to Earn Rewards
- Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category.
- 1 point‡ for every $1 on all other eligible purchases.
- Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points the Account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 15,000 Points.
Insurance Included
Lost or Stolen Baggage
$1000
Baggage Delay
$1000.svg)
Car Rental Damage & Theft
$65,000 up to 48 days
Travel Accident
$500,000/insured, $1M combined
Extended Warranty
1 year
Purchase Protection
90 days
Emergency Medical Term
$2M/insured up to 25 daysFlight Delay
$500/person after 4 hours
Hotel Burglary Insurance
$1,000Emergency Medical (65+)
$2M/insured up to 3 days
Trip Cancellation
$1,500/person, $10,000/trip
Trip Interruption
$2,500/person, $10,000/trip
Insurance Included
Lost or Stolen Baggage
$1000/personBaggage Delay
$1000/personCar Rental Damage & Theft
31 daysTravel Accident
$1,000,000Extended Warranty
Up to a yearPurchase Protection
Up to 90 daysEmergency Medical Term
$2M for 21 daysFlight Delay
$500/person after 4 hours
Mobile Device Insurance
$1000
Extra Benefits
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Concierge Services
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
6 Free complimentary visits.svg)
Status lift
Avis® Preferred Plus membership
Extra Benefits
Concierge Services
Price Protection
$500/item, $1000/account per year
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally
Trip and legal Assistance
Annual Birthday Bonus
10% of the Points earned the 12 months prior to the primary cardholder's birthday month (up to a max 15,000 bonus points per year)
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
19.99%2
Cash Advance:
24.99%2
Balance Transfer:
22.99%2
2 Important Notice - Effective from the first day of your statement period beginning September 2025 and reflected on your October 2025 statement, the following rates apply: Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances
Annual Fee
$150
Annual Fee
$120
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Income Required
Min Personal Income:
$80,000
Min Household Income:
$150,000
Loyalty Program
Loyalty Program
Point Redemption Options
Travel
1¢ / point
Merchandise
0.76¢ / point
Gift Cards
0.74¢ / point
Entertainment
1¢ / point
Groceries (Sobeys)
1¢ / point
Restaurants
1¢ / point
Statement Credits (Cash)
0.7¢ / point
Point Redemption Options
Most Optimal
Travel
1¢ / pointGift Cards
0.98¢ / pointMerchandise
0.8¢ / pointStatement Credits (Cash) - World Elite
0.82¢ / pointStatement Credits (Cash) - Platinum
0.5¢ / point
Is this card worth it?
The Scotiabank Passport Visa Infinite is a strong choice for frequent travelers, especially those who value flexibility and premium perks. It stands out with its rare benefit of no foreign transaction fees, making international purchases more cost-effective. Additionally, the card offers a valuable blend of travel perks, including airport lounge access, comprehensive insurance coverage, and flexible rewards, making it an ideal companion for those who frequently travel abroad and want to avoid extra fees while enjoying premium benefits.
Is this card worth it?
The MBNA Rewards World Elite® Mastercard® is one of the best reward credit cards in Canada, offering high rewards on frequently spent categories such as groceries and restaurant purchases. The annual birthday bonus, unique to this card, also provides a significant boost to your yearly earnings. Additionally, the card features a comprehensive list of benefits, including price protection—a rare and valuable perk not found with many other cards in Canada. These factors make this card one of the best to have in Canada.
Pros
- High Rewards on Select Purchases: Earn up to 3 points per $1 spent on select categories.
- No Foreign Transaction Fees: Shop abroad without additional charges.
- Comprehensive Insurance: Includes 11 types of insurance coverage.
- Airport Lounge Access: Enjoy up to 6 airport lounge passes per year through the Visa Airport Companion program.
Pros
- Both restaurants and groceries earn the most rewards, two of the most commonly spent categories.
- The MBNA rewards world elite Mastercard offers a great annual birthday bonus with up to $150 in value.
- A solid list of travel insurance and benefits.
- Price protection, a rare feature not offered by many other cards.
- Good value for many of the card's redemption options.
Cons
- High Income Requirements: Requires $60,000 personal or $100,000 household income.
- Lower Overall Rewards: Rewards potential is lower compared to premium credit cards.
- High Annual Fee: Comes with a significant annual fee.
- Average Insurance Coverage: Insurance benefits are standard, not exceptional.
- Mediocre Earnings Potential: The card’s rewards structure might not offer the highest returns for every spender.
Cons
- Trip cancellation and interruption insurance, two great benefits are missing from this card.
- Not the best card for gas purchases.
vs Scotiabank Value® Visa* Card
vs Scotiabank Passport® Visa Infinite* Privilege Card
vs Scotiabank Platinum American Express® Card
vs Scotia Momentum® No-Fee Visa* Card
vs Scotia Momentum® Mastercard®* Credit Card
vs Scotiabank® Scene+ Visa Card
vs Scotiabank American Express® Card
vs American Express Platinum Card®
vs SimplyCash® Card from American Express
vs American Express® Aeroplan®* Reserve Card
vs American Express® Aeroplan®* Card
vs Scotia Momentum® Visa* Card
vs CIBC Aeroplan® Visa Infinite* Card
vs BMO CashBack® World Elite® Mastercard®
vs Tangerine Money-Back Credit Card
vs TD First Class Travel® Visa Infinite* Card
vs TD® Aeroplan® Visa Infinite Privilege*
vs Scotia Momentum® Visa Infinite* Card
vs American Express® Green Card
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard®
vs Scotiabank Gold American Express® Card
vs Rogers Red Mastercard®
vs TD Aeroplan® Visa Infinite* Card
vs American Express Cobalt® Card
vs MBNA True Line® Gold Mastercard®
vs MBNA True Line® Mastercard®
vs MBNA Smart Cash Platinum Plus® Mastercard®
vs MBNA Smart Cash® World Mastercard®
vs MBNA Rewards Platinum Plus Mastercard®
vs Amazon.ca Rewards Mastercard®
vs Neo World Elite® Mastercard®
vs American Express Platinum Card®
vs SimplyCash® Card from American Express
vs American Express® Aeroplan®* Reserve Card
vs American Express® Aeroplan®* Card
vs BMO CashBack® World Elite® Mastercard®
vs TD First Class Travel® Visa Infinite* Card
vs TD® Aeroplan® Visa Infinite Privilege*
vs Scotia Momentum® Visa Infinite* Card
vs PC World Elite Mastercard
vs American Express® Green Card
vs Simplii Financial™ Cash Back Visa* Card
vs RBC ION+ Visa
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard®
vs Scotiabank Gold American Express® Card
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Scotiabank Passport® Visa Infinite* Card vs MBNA Rewards World Elite® Mastercard®: When to go for one over the other
Annual Fees and Requirements
The Scotiabank Passport Visa Infinite Card has a higher annual fee compared to the MBNA Rewards World Elite Mastercard, though both have relatively similar minimum income requirements. While the MBNA card has a slightly lower fee, those with higher income might not find this a major concern. It's worth noting that both cards target individuals with good to excellent credit.
Rewards Comparison
The MBNA Rewards World Elite Mastercard generally offers higher yearly rewards compared to the Scotiabank Passport Visa Infinite Card, especially for spending in popular categories like groceries and restaurants. Additionally, the MBNA card’s sign-up bonus is slightly more generous. However, Scotiabank's Scene+ program still provides solid value, especially for those who shop at affiliated stores and prefer more flexibility in rewards categories such as travel and dining.
Reward Redemption Options
Both cards offer a range of redemption options, though the Scotiabank Passport Visa Infinite tends to shine more in travel-related redemptions, offering good value per point when used for travel bookings. However, the MBNA card stands out with more flexibility, allowing points to be redeemed for travel, merchandise, or as statement credits. The Scotiabank card lacks cashback options, which may make the MBNA card a more versatile choice for users preferring straightforward cash returns.
Benefits and Insurance
The Scotiabank Passport Visa Infinite Card offers a unique benefit: no foreign transaction fees, which can be highly valuable for international travelers. It also includes airport lounge access and comprehensive travel insurance, making it ideal for frequent flyers. On the other hand, the MBNA Rewards World Elite Mastercard features price protection, a rare perk, and an annual birthday bonus, adding extra value to regular spending. Its insurance coverage is solid but not as extensive as the Scotiabank card's.
Network Acceptance
The Scotiabank Passport Visa Infinite Card is part of the Visa network, while the MBNA Rewards World Elite Mastercard is a Mastercard. Both Visa and Mastercard are widely accepted worldwide, but there are a few key differences. Mastercard is accepted at Costco, where Visa is not. Additionally, Mastercard considers Walmart as a grocery store for rewards purposes, allowing cardholders to earn grocery rewards there, while Visa typically categorizes Walmart as a department store, which may not offer the same rewards. These differences could impact where cardholders can maximize their rewards.
Conclusion
Frequent international travelers who prioritize travel perks, such as airport lounge access and no foreign transaction fees, would likely find the Scotiabank Passport Visa Infinite Card more appealing. On the other hand, those seeking higher rewards on everyday purchases, greater flexibility in redemption, and unique benefits like price protection may prefer the MBNA Rewards World Elite Mastercard. Ultimately, the choice depends on whether the user values travel benefits or everyday rewards flexibility.
Legal
*†Terms and conditions apply. 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.
*, ††, ‡, ✪, ***, ††††, Terms and Conditions apply.
- This offer is not available for residents of Quebec. For residents of Quebec, please click here.
- Important Notice: Effective from the first day of your statement period beginning September 2025 and reflected on your October 2025 statement
Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances
Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.