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Scotiabank Passport® Visa Infinite* Card vs Rogers Red World Elite® Mastercard®: Which one is better?
Scotiabank Passport® Visa Infinite* Card
Rogers Red 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
N/A
Our Cash Offer
$100 Cash Rebate offer from FinlyWealth
Our Cash Offer
N/A
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
$720
First Year Bonus Value
+
$0
Annual Fee
-
$0
First Year Value
$770
Based on a hypothetical $2,000/mo average spending and assuming you have an eligible Rogers, Fido or Shaw service as the primary or level 1 authorized user. 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 3% unlimited cash back on all eligible purchases made in U.S. dollars.^
- Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido, Comwave or Shaw.^
- Otherwise earn 1.5% unlimited cash back on eligible non-U.S. dollar purchases.^
- Get 1.5 times more cash back every time you redeem for Rogers, Fido, Comwave or Shaw purchases.^
- 5 Roam Like Home days at no cost with an eligible Rogers mobile plan every year (up to $90 value).^
Insurance Included
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Car Rental Damage & Theft
$65,000 up to 48 days
Extended Warranty
1 year
Purchase Protection
90 days
Emergency Medical Term
$2M/insured up to 25 daysEmergency Medical (65+)
$2M/insured up to 3 days
Trip Cancellation
$1,500/person, $10,000/trip
Trip Interruption
$2,500/person, $10,000/trip
Lost or Stolen Baggage
$1000
Baggage Delay
$1000
Travel Accident
$500,000/insured, $1M combined
Hotel Burglary Insurance
$1,000Flight Delay
$500/person after 4 hours
Insurance Included
Car Rental Damage & Theft
31 days, $65,000 car MSRPExtended Warranty
1 yearPurchase Protection
90 daysEmergency Medical Term
Up to 10 daysEmergency Medical (65+)
Up to 3 daysTrip Cancellation
$1,000/person, $5,000 maximumTrip Interruption
$1,000/person, $5,000 maximum
Extra Benefits
Airport Lounge - Dragon Pass
6 Free complimentary visits
No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada
Visa Infinite Exclusive Benefits
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Concierge Services
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Status lift
Avis® Preferred Plus membership
Extra Benefits
Airport Lounge - Dragon Pass
Pass only, complimentary visits not included
No Cost roaming
5 days with eligible Rogers mobile plan
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
20.99% - 25.99%2
Cash Advance:
22.99% - 27.99%2
Balance Transfer:
22.99% - 27.99%2
2 Standard rate on Purchases and Fees: 20.99%. Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99%. If you are not approved for an Account at the above rates and you reside outside Quebec, we (Rogers Bank) may still issue you an Account at our alternate interest rates, as follows: Standard Rate for Purchases and Fees: 25.99%, Standard Rate for Cash Advances, Cash like Transactions and Balance Transfers: 27.99%.
Annual Fee
$150
Annual Fee
$0
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
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?
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?
This card is one of the best in Canada, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is higher than what almost any other card offers, even those with annual fees! Additionally, for a no-fee card, you gain access to an extensive list of travel benefits, many of which are typically offered only with cards that have annual fees. Therefore, we recommend this card to anyone who meets the income requirements, even if you are not a Rogers customer!
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
- Voted the Best No Annual Fee Cash Back Card in Canada by FinlyWealth.
- There is no annual fee which is a notable benefit for a card with such high rewards. Most cards with slightly lower reward rates typically include yearly fees.
- Many benefits, such as trip cancellation insurance, are only available on credit cards with an annual fee. It is rare to see these benefits on a no-annual-fee card!
- Offers the flexibility to redeem cash towards Rogers, Shaw, Comwave or Fido services, potentially increasing your rewards.
- The Roam Like Home benefit is a benefit unique only to this card through an eligible Rogers mobile plan.
- It is accepted at nearly all locations as it's a Mastercard.
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
- Harder to qualify due to the high credit score and income requirements.
- Out of all possible travel insurances, this card is missing Baggage delay and Hotel Burglary insurance. If these two insurances are essential to someone, this card needs to be paired with another travel card to cover them.
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
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vs BMO CashBack® World Elite® Mastercard®
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vs Scotia Momentum® Visa Infinite* Card
vs MBNA Rewards World Elite® Mastercard®
vs American Express® Green Card
vs American Express Gold Rewards Card®
vs Scotiabank Gold American Express® Card
vs Rogers Red Mastercard®
vs TD Aeroplan® Visa Infinite* Card
vs American Express Cobalt® 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 Costco Mastercard
vs CIBC Aeroplan® Visa Infinite* Card
vs BMO CashBack® World Elite® Mastercard®
vs Tangerine Money-Back Credit Card
vs Amazon.ca Rewards Mastercard®
vs SimplyCash™ Preferred Card from American Express
vs TD First Class Travel® Visa Infinite* Card
vs TD® Aeroplan® Visa Infinite Privilege*
vs Scotia Momentum® Visa Infinite* Card
vs MBNA Rewards World Elite® Mastercard®
vs PC World Elite Mastercard
vs American Express® Green Card
vs Simplii Financial™ Cash Back Visa* Card
vs American Express Gold Rewards Card®
vs Walmart Rewards™ World Mastercard®
vs Scotiabank Gold American Express® Card
vs Rogers Red Mastercard®
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Scotiabank Passport® Visa Infinite* Card vs Rogers Red World Elite® Mastercard®: When to go for one over the other
Annual Fees and Requirements
The Scotiabank Passport Visa Infinite has an annual fee, while the Rogers Red World Elite Mastercard does not, making the latter more attractive for those looking to avoid additional yearly costs. Both cards have high income requirements, with the Rogers Red card requiring slightly higher income levels to qualify. Depending on your financial situation, this could be a determining factor in your choice.
Rewards Comparison
The Scotiabank Passport Visa Infinite offers Scene+ points on various categories, including groceries, dining, and entertainment. In contrast, the Rogers Red World Elite Mastercard provides cashback rewards, which can be particularly advantageous for users who want flexibility in how they use their rewards. Overall, the Rogers Red card offers much higher ongoing rewards for reward enthusiasts.
Reward Redemption Options
Scotiabank Passport Visa Infinite allows you to redeem points for travel, entertainment, groceries, and gift cards, making it versatile but less flexible compared to cashback. Rogers Red World Elite, on the other hand, offers straightforward cashback that can be applied to virtually anything, giving it an edge in terms of ease and flexibility of redemption.
Benefits and Insurance
Both cards offer travel-related perks, but the Scotiabank Passport Visa Infinite stands out with no foreign transaction fees and access to airport lounges. It also provides comprehensive insurance, including medical coverage, trip cancellation, and lost baggage. The Rogers Red card includes some travel benefits but lacks the depth of coverage found in the Scotiabank card, though it does offer free roaming for five days, a unique perk.
Conclusion
The Scotiabank Passport Visa Infinite is ideal for frequent travelers who value premium perks like lounge access and extensive insurance. For those who prefer a no-fee card with strong cashback rewards and aren’t as concerned about travel benefits, the Rogers Red World Elite Mastercard is a better option. Whether you prefer a no-fee card and more cashback or more perks is the main deciding factor you need to think about when choosing one of these two cards.
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
Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information and applicable terms and conditions, visit Rogersbank.com.
®/TM Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Used under License.
The Rogers Red World Elite® Mastercard® is issued by Rogers Bank.
TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2025 Rogers Bank. Rogers Bank is the issuer of this credit card.