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Side by Side Credit Cards Comparison
Scotiabank Passport® Visa Infinite* CardVSTD® Aeroplan® Visa Infinite Privilege*
Which one is better?
Scotiabank Passport® Visa Infinite* Card
4.8
TD® Aeroplan® Visa Infinite Privilege*
2.0
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
Up to $3,000 in value† including up to 85,000 Aeroplan points† and additional travel benefits could be yours. Conditions Apply. Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card† Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening† Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
Our Cash Offer
$100 $150 Cash Rebate offer from FinlyWealth
Promotional rebate expires on Dec 1, 2025
Our Cash Offer
N/A
Rewards Breakdown
Annual Rewards
$342.61
Scene+
First Year Bonus Value
+
$350
Scene+
Annual Fee
-
$150
Finly Rebate
Exclusive Offer
First Year Value
$692.61
$192.61 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$573.19
Air Canada Aeroplan®
First Year Bonus Value
+
$400
Air Canada Aeroplan®
Annual Fee
-
$599
First Year Value
$374.19
-$25.81 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 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
- Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
- Earn 1.25 points† for every $1 spent on all other purchases made with your Card
- Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
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
Hotel Burglary Insurance
$1,000
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/tripFlight Delay
$500/person after 4 hours
Insurance Included
Lost or Stolen Baggage
$2.5K/personBaggage Delay
$1K/person after 4 hoursCar Rental Damage & Theft
Up to 48 consecutive rental daysTravel Accident
$500,000Extended Warranty
2 yearsPurchase Protection
120 daysHotel Burglary Insurance
$2500Emergency Medical Term
$5M/insured up to 31 daysEmergency Medical (65+)
$5M/insured up to 4 daysTrip Cancellation
$2.5K/person, $5K/tripTrip Interruption
$5K/person, $25K/tripFlight Delay
$1,000/person after 4 hours
Mobile Device Insurance
$1,500
Extra Benefits
Visa Infinite Exclusive Benefits
Airport Lounge - Dragon Pass
6 Free complimentary visits.svg)
Concierge Services
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Status lift
Avis® Preferred Plus membership
No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada
Extra Benefits
Visa Infinite Exclusive Benefits
Airport Lounge - Dragon Pass
6 Free complimentary visitsConcierge Services
Status lift
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchasesStatus lift
Complimentary upgrade to Avis® President's ClubStatus lift
Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.Status lift
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.Status lift
Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond.
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance
Companion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card.svg)
Free first checked bag
First checked bag is free for primary cardholder on AirCanada flight and up to 8 guests
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStoreExtra points
Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgrade
Nexus Program Rebate
$100 every 4 years
Priority Travel
At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.Priority Travel
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
Golf Benefit
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.SAirport Lounge - Maple Leaf and AirCanada Cafes
Unlimited Access for you and one guest
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Annual Fee
$150
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
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
Travel
0.825¢ / pointMerchandise
0.75¢ / pointGift Cards
0.72¢ / pointMost Optimal
Aeroplan® Flights
2¢ / pointCar Rentals
0.9¢ / 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?
If you travel a lot throughout the year with Air Canada, the benefits of this card can significantly enhance your experience. It can help you achieve the next status level with Aeroplan and provide a better airport experience, therefore it can be worth the price tag. However, if you don't frequently fly with Air Canada, the benefits may not justify the card's expensive price tag.
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
- Premium experience for Elite Air Canada travelers with many benefits and status upgrades.
- High coverage limit on insurance.
- Numerous luxury benefits and statuses available for use.
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
- The rewards rate on this card is not that high. There are non-Aeroplan cards with much better reward programs, and their points can later be transferred to this card, making them better options if you are looking to gather Aeroplan points.
- You lose the flexibility to use other airlines if you want to take advantage of the benefits of this card.
- The high price tag makes this card a poor choice if you don't frequently travel with Air Canada.
- The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.
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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.
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