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Scotiabank American Express® Card vs Scotiabank Passport® Visa Infinite* Card: Which one is better?
Scotiabank American Express® Card
Scotiabank Passport® Visa Infinite* Card
Welcome Bonus
The 7,500 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank American Express credit card accounts (“Account”) opened between May 1, 2025 and October 31, 2025 and is subject to terms and conditions. Earn 2,500 bonus Scene+ points by making at least $250 in everyday eligible purchases in your first 3 months. Plus, another 5,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months of Account open date.
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.
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Our Cash Offer
$100 Cash Rebate offer from FinlyWealth
Rewards Breakdown
Annual Rewards
$353.09
Scene+
First Year Bonus Value
+
$75
Scene+
Annual Fee
-
$0
Finly Rebate
+
$50Exclusive Offer
First Year Value
$478.09
$353.09 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
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.
How to Earn Rewards
- Earn 3x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco and more
- Earn 2x Scene+ points for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions.
- Earn 2x Scene+ points for every $1 you spend on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
- Earn 2x Scene+ points for every $1 you spend on eligible gas and daily transit. Includes rideshares, buses, subway, taxis and more
- Earn 2x Scene+ points for every $1 you spend on eligible select streaming services
- 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 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†
Insurance Included
Extended Warranty
Up to a year
Purchase Protection
90 days
Mobile Device Insurance
$500
Insurance Included
Extended Warranty
1 yearPurchase Protection
90 days
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
Hotel Burglary Insurance
$1,000
Emergency Out of province Medical
$2M/insured up to 25 daysEmergency Medical Over 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
Extra Benefits
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car
American Express® Experiences
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
6 Free complimentary visits.svg)
Concierge Services
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Status lift
Avis® Preferred Plus membership
Interest Rates
Purchase:
19.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Annual Fee
$0
Annual Fee
$150
Income Required
Min Personal Income:
$12,000
Min Household Income:
N/A
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
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
Entertainment
1¢ / pointTravel
1¢ / pointGroceries (Sobeys)
1¢ / pointRestaurants
1¢ / pointMerchandise
0.76¢ / pointGift Cards
0.74¢ / pointStatement Credits (Cash)
0.7¢ / point
Is this card worth it?
If you're looking to earn travel rewards without an annual fee, the Scotiabank American Express® Card is a great choice. It offers flexible Scene+ points on everyday purchases, allowing you to redeem rewards for travel, entertainment, and more—all while enjoying plenty of perks at no extra cost.
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
- Strong Rewards: Earn flexible Scene+ points on all everyday purchases.
- Mobile Device Insurance: Comes with coverage for your mobile devices.
- Exclusive Perks: Access special offers, experiences, and more through American Express Invites.
- No Annual Fee: Enjoy all these benefits without paying an annual fee.
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
- Limited Insurance Coverage: Insurance is confined to mobile devices and purchase security & extended warranty protection.
- Lower Acceptance: Due to being an American Express network card, less merchants may accept it.
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.
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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.
*†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.