TD Aeroplan® Visa Infinite* Card vs Scotiabank Passport® Visa Infinite* Card: Which one is better?

TD Aeroplan® Visa Infinite* Card

3.5

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RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Scotiabank Passport® Visa Infinite* Card

4.3

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RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Rewards Breakdown

Annual Rewards

$533.24

Air Canada Aeroplan

Welcome Bonus

$735

Air Canada Aeroplan

Annual Fee

$139

First Year Value

$1,129.24

$394.24 in years after

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

Rewards Breakdown

Annual Rewards

$333.58

Scene+

Welcome Bonus

$250

Scene+

Annual Fee

$150

First Year Value

$433.58

$183.58 in years after

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

Insurance Included

Emergency Out of province Medical

$2M/insured up to 21 days

Emergency Medical Over 65

$2M/insured up to 4 days

Trip Cancellation

$1.5K/person, $5K/trip

Trip Interruption

$5K/person, $25K/trip

Flight Delay

$500/person after 4 hours

Baggage Delay

$1K/person after 6 hours

Lost or Stolen Baggage

$1K/person after 6 hours

Travel Accident

$500,000

Car Rental Damage & Theft

Up to 48 consecutive rental days

Hotel Burglary Insurance

$2500

Purchase Protection

90 days

Extended Warranty

1 year

Mobile Device Insurance

$1,000

Insurance Included

Emergency Out of province Medical

$2M/insured up to 21 days

Emergency Medical Over 65

$2M/insured up to 4 days

Trip Cancellation

$1.5K/person, $5K/trip

Trip Interruption

$5K/person, $25K/trip

Flight Delay

$500/person after 4 hours

Baggage Delay

$1K/person after 6 hours

Lost or Stolen Baggage

$1K/person after 6 hours

Travel Accident

$500,000

Car Rental Damage & Theft

Up to 48 consecutive rental days

Hotel Burglary Insurance

$2500

Purchase Protection

90 days

Extended Warranty

1 year

Extra Benefits

Visa Infinite Exclusive Benefits

Concierge Services

Status lift

Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $10,000 of net purchases

Free first checked bag

First checked bag is free for primary cardholder on WestJet flight and up to 8 guests

Nexus Application

$100 every 4 years

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.S

Extra points

Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores

Extra points

Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore

Car Rental Discount

10% off base rate of Avis Rent A Car and Budget Rent A Car

Trip and legal Assistance

Extra Benefits

Visa Infinite Exclusive Benefits

Concierge Services

Status lift

Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $10,000 of net purchases

No Foreign Transaction Fees

Airport Lounge - Dragon Pass

6 Free complimentary visits

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Annual Fee

$139

Annual Fee

$150

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Welcome Bonus

10,000 points after approval. 25,000 points after spending over $5,000 within 180 days of account opening.

Welcome Bonus

Earn 25,000 bonus Scene+ points by making at least $1000 in everyday eligible purchases in your first 3 months. Plus, another 10,000 bonus Scene+ points after making $40,000 of purchases annually.

Rewards Rate

1.5 points on gas, Groceries and Air Canada and Air Canada vacations (maximum 120,000 points annually)
1 point on everything else

Rewards Rate

3 Points on on every $1 you spend at Sobeys, Safeway, IGA, Foodland & Participating Co-ops
2 Points dining and at other eligible grocery stores,entertainment purchases which includes movies, theatre, and ticket agencies and Rides which includes rideshare,buses,taxis, subways and more
1 Point on everything else

Loyalty Program

Air Canada Aeroplan

Loyalty Program

Scene+

Point Redemption Options

Most Optimal

Travel

0.825¢ / point

Gift Cards

0.74¢ / point

Transfer to Airline Partners

2.1¢ / point

Point Redemption Options

Travel

0.825¢ / point

Gift Cards

0.74¢ / point

Entertainment

1¢ / point

Groceries (Sobeys)

1¢ / point

Restaurants

1¢ / point

Merchandise

0.76¢ / point

Statement Credits

0.7¢ / point

Is this card worth it?

If you are a frequent AirCanada traveler, we highly recommend this card given its many benefits specific to the Aeroplan program. Among all the Aeroplan cards, we like this one the most because it provides a more comprehensive list of benefits compared to the others.

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.

Pros

Great benefits for Air Canada travelers, such as free checked baggage, will save you more in fees than you spend on annual membership fees. High coverage limit on the insurance for this card

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.

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.

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.