Side by Side Credit Cards Comparison
Scotiabank Passport® Visa Infinite +* CardVSAmerican Express® Aeroplan®* Card
Which one is better?

Scotiabank Passport® Visa Infinite +* Card
4.8
RECOMMENDED CREDIT SCORE*
American Express® Aeroplan®* Card
3.8
RECOMMENDED CREDIT SCORE*
Welcome Bonus
- Earn up to $1,250 in first year welcome offers, rewards and savings*, including up to 35,000 bonus Scene+ points1
- $250 in travel points (25,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $2,000 within the first 3 months
- $100 in travel points (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account
- $50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite + Card clients
- $132 in foreign transaction fee savings based on average annual foreign spend per active account over the last 24 months
- $364 in first year point earn potential (36,400 Scene+ points) on everyday purchases
- $358 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes
- Offer period: August 4, 2026 – November 1, 2026
- Rates, fees and other information are effective as of Aug 4,2026. Subject to change.
Welcome Bonus
New American Express® Aeroplan®* Cardmembers can earn up to 45,000 Aeroplan points:
- Earn 35,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 6 months.
- Plus, earn an additional 10,000 Aeroplan points when you spend $1,000 in purchases in month 13
- You could earn up to $1,550 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $900 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $515 in value, and the $140 in value you get from exceptional benefits, you can earn up to $1,550 or more in value within your first 13 months. Terms and usage assumptions apply.
Our Cash Offer
$120 Cash Rebate offer from FinlyWealth
Our Cash Offer
N/A
Rewards Breakdown
Rewards breakdown is not available for this card.
Rewards Breakdown
Rewards breakdown is not available for this card.
How to Earn Rewards
- Earn 3x Scene+™ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more†
- 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 2X the points on eligible purchases made directly with Air Canada®* and Air Canada vacations®*
- Earn 1.5X the points on eligible Dining and Food Delivery purchases in Canada
- Earn 1X the points on everything else
Insurance Included
Baggage Delay
$1,000Car Rental Damage & Theft
$65,000 up to 48 daysCommon Carrier Travel Accident Insurance
$500,000/insured, $1M combinedExtended Warranty
1 yearPurchase Protection
90 daysHotel Burglary Insurance
$1,000Flight Delay
$500/person after 4 hoursLost or Stolen Baggage
$1,000Travel Medical Insurance (64 & under)
$2M/insured up to 25 daysTravel Medical Insurance (65 to 75)
$2M/insured up to 3 daysTrip Cancellation
$1,500/person, $10,000/tripTrip Interruption
$2,500/person, $10,000/trip
Insurance Included
Baggage Delay
$500 (Aggregated with Flight Delay)Car Rental Damage & Theft
$85K, up to 48 daysCommon Carrier Travel Accident Insurance
$500,000Extended Warranty
1 yearPurchase Protection
90 days, $1,000 per occurrenceHotel Burglary Insurance
$500Flight Delay
$500 (Aggregated with Baggage Delay)
Extra Benefits
Status lift
Avis® Preferred Plus membershipNo Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of CanadaVisa Infinite Exclusive Benefits
Airport Lounge - Dragon Pass
6 Free complimentary visitsGas Discount2
Get up to 10¢/L in value on fuel purchases at Shell stationsConcierge Services
Discount**
Yearly GigSky 1GB/15-Day plan, 20% off future purchases, and 10GB of global data for 15 days with Travel Essentials
Extra Benefits
Status lift
Get 1,000 Status Qualifying Credits (SQC) for every $20,000 in eligible net purchases charged to your Card, up to 25,000 SQCFree first checked bag
Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flightsExtra points
Earn points twice at over 150 Aeroplan partner brandsFree Extra Night at Hotels
Receive an extra night free for every 3 hotel nights redeemed with Aeroplan points
Amex Experiences™
From music and movies, to specially curated dining and online shopping opportunities, stay connected with all that we have to offer from the comfort of your own home
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
30% Annual2
Cash Advance:
30% Annual2
2 As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.
Annual Fee
$150
Annual Fee
$120⁕
⁕ Notice: As of Jan 12, 2027, the American Express® Aeroplan®* Card annual fee will increase to $150. Annual fees charged on or after this date will reflect the new fee. The Additional Aeroplan®* Card annual fee will increase to $59. The Additional Aeroplan®* No Fee Card will be renamed to the Additional Aeroplan®* Companion Card and the annual fee will increase to $25. Learn more about new benefits.
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Point Redemption Options
Travel
1¢ / pointMerchandise
0.76¢ / pointGift Cards
0.74¢ / pointEntertainment
1¢ / pointGroceries (Sobeys)
1¢ / pointRestaurants
1¢ / pointStatement Credits (Cash)
0.7¢ / point
Point Redemption Options
Travel
0.825¢ / pointMerchandise
0.75¢ / pointGift Cards
0.72¢ / pointFlights
1.9¢ / 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?
This card comes with the free checked bag benefit, which can save hundreds on a single trip for you and your family, more than making up for the annual fee of the card. In addition, the card helps you reach the next Aeroplan Status faster with spending on the card. However, if you don't have a specific use for these two benefits, there are many better cards in terms of benefits and rewards.
Pros
- High rewards
- No foreign transaction fees
- Airport lounge access
- Shell Fuel Savings
- Comprehensive insurance
- Generous intro offer
Pros
- Expedited status upgrades
- Free first checked bags
- Free extra hotel night
- Instant decision. No credit impact.
Cons
- High income requirements
- High annual fee
Cons
- Limited rewards
- Weaker insurance coverage
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 Scotia Momentum® Visa* Card
vs CIBC Aeroplan® Visa Infinite* Card
vs BMO CashBack® World Elite®* Mastercard®*
vs Tangerine Money-Back Mastercard
vs TD First Class Travel® Visa Infinite* Card
vs TD® Aeroplan® Visa Infinite Privilege* Credit Card
vs Scotia Momentum® Visa Infinite +* Card
vs MBNA Rewards World Elite® Mastercard®
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 American Express® Aeroplan®* Reserve Card
vs Marriott Bonvoy® American Express®* Card
vs American Express Platinum Card®
vs SimplyCash® Card from American Express
vs Scotia Momentum® Visa* Card
vs CIBC Aeroplan® Visa Infinite* Card
vs Tangerine Money-Back Mastercard
vs Amazon.ca Rewards Mastercard®
vs SimplyCash™ Preferred Card from American Express
vs MBNA Rewards World Elite® Mastercard®
vs American Express® Green Card
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard
vs Scotiabank Gold American Express® Card
vs TD Aeroplan® Visa Infinite* Card
vs American Express Cobalt® Card
Scotiabank Passport® Visa Infinite +* Card vs American Express® Aeroplan®* Card: When to go for one over the other
Annual Fees and Requirements
The Scotiabank Passport Visa Infinite + and American Express Aeroplan both have annual fees that are somewhat similar, but the specific cost may differ slightly. The Scotiabank card requires a higher income threshold, with a minimum personal income requirement, while the American Express card doesn't have explicit income requirements listed. Overall, the Scotiabank card may be more suitable for those meeting the higher income qualifications.
Rewards Comparison
Both cards offer competitive rewards but differ in focus. The Scotiabank Passport Visa Infinite + emphasizes a broader range of spending categories, offering points on groceries, dining, and travel purchases. The American Express Aeroplan card is more focused on travel-related rewards, especially for frequent Air Canada travelers, with a higher signup bonus and better long-term value for travelers loyal to Aeroplan. However, the everyday spending categories are not as versatile.
Reward Redemption Options
When it comes to redeeming rewards, the Scotiabank Passport Visa Infinite + provides flexible options, including cashback, travel, and gift cards. Cashback is the most flexible choice, offering more freedom in how you use your rewards. The American Express Aeroplan card is best for those looking to redeem for Air Canada flights or partner airlines, with points offering more value when transferred to airline partners. However, it lacks the overall flexibility of cashback.
Benefits and Insurance
The Scotiabank card stands out with its no foreign transaction fees, making it highly beneficial for frequent international travelers. It also offers complimentary airport lounge access. The American Express Aeroplan card provides free checked baggage and faster Aeroplan status accumulation, which can be valuable for Air Canada loyalists. However, for general insurance coverage, the cards are similar, though Scotiabank provides a slightly more extensive package for most users.
Conclusion
The Scotiabank Passport Visa Infinite + is likely a better choice for general travelers or those who prefer flexible rewards and no foreign transaction fees. The American Express Aeroplan card is ideal for those who frequently fly with Air Canada and can benefit from the free checked bags and Aeroplan rewards. Depending on your travel habits, either card could be a strong option, but the Scotiabank card may appeal to a wider audience due to its flexibility.
Legal
* Savings and point earn potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of May 22, 2026:
$250 in travel points (25,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $2,000 within the first 3 months
$100 in travel points (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account .
$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite + Card clients
$132 in foreign transaction fee savings based on average annual foreign spend per active account over the last 24 months (don't pay the 2.5% foreign transaction fee markup typically charged by other card issuers);
$364 in first year point earn potential (36,400 Scene+ points) on everyday purchases based on average annual spend per active account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories combined.
$358 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$357/USD$259). Currency conversion as at May 22, 2026.
Potential First Year Value = up to $1,254 (rounded down to $1,250)
Actual offers, savings and points earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.
1. Offer Description and Conditions: The 25,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite + credit card accounts (“Accounts”) that are opened between August 4, 2026 to November 1, 2026 (regardless of the date you apply for the Account) subject to the conditions below. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.
Plus, as a Scotiabank Passport Visa Infinite + credit cardholder you are always eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite + account. Conditions apply - see below for further details.
25,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 25,000 bonus Scene+ points (the “25,000 Point Bonus”), you must have at least $2,000 in eligible purchases posted to your new Account within the first 3 months of the Account open date.
10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite + credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points (the “Annual Point Bonus”) when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. If you switch from another Scene+ eligible Credit Card to the Scotiabank Passport Visa Infinite + Card (vs. it being opened as a new or additional Card), your original Account open date will carry over to your new Scotiabank Passport Visa Infinite + Card and your annual period for this benefit will begin on the next anniversary of your original Account open date. For Example: If you originally opened a Scotiabank®* Gold American Express® Card on January 15, 2022, and switch that Card to the Scotiabank Passport® Visa Infinite +* Card on July 15, 2025 – your annual period for the 10,000 annual Scene+ point benefit will begin on January 15, 2026 (your next Anniversary) and will reset annually on January 15th afterwards. You can also earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached.
Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.
Point Bonus Fulfillment: The applicable point Bonus(es) will be credited within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 25,000 Point Bonus, and the Annual Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $2,000 or $40,000) in the appropriate time frame (i.e., first 3 months or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 25,000 Point Bonus, or the Annual Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. All other terms and conditions of the Program Terms continue to apply during the Offer period.
Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.
Rates and Fees: The current annual fee is $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders).
The current preferred annual interest rates for this Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.
2. Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 3 cents per litre in Scene+ points value with an eligible Scotiabank Passport Visa Infinite + card linked to a Shell Go+ Account:
- Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
- Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on purchases of V-Power® gasoline, or V-Power® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.
- Earn up to 3 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 1 Scene+ point per $1 spent. Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 3 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply.See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditionsopens in a new tab for full details including redemption options and additional terms.
Note: Highest value of 10 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Passport Visa Infinite + Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.
*†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.
** You must be an eligible Canadian-issued Visa* Debit, Visa Classic*, Visa* Gold, Visa Platinum*, Visa* Business, Visa Infinite +*, Visa Infinite Business* or Visa Infinite Privilege* cardholder (collectively the “Eligible Cards”) to take advantage of the Visa GigSky offer. To participate in the Offer, you must have an Eligible Card issued in your name, ensure your Eligible Card account is in good standing, and add the Eligible Card as the default payment method in the GigSky App. These Global Mobile Data plan options offer terms (these “Offer Terms”) apply to the offer (the “Offer”) made available to the Eligible Cards by GigSky, Inc. (“GigSky”). Any Offer Plan continues to be subject to the standard GigSky Terms of Service.
The Offer is solely offered by GigSky, and Visa is not providing or responsible for any Offer Plans, Discounts or GigSky Products hereunder. GigSky reserves the right to terminate your Offer Plan if you no longer hold an Eligible Card or such Eligible Card is no longer in good standing. GigSky reserves the right to terminate the Offer or any Offer Plan or change the terms of the Offer or Offer Plan at any time and without notice and in its sole and absolute discretion. This Offer cannot be combined with other discounts and/or offers and is not redeemable for cash. Any taxes are the sole responsibility of the purchaser. The Offer is void where prohibited or restricted by applicable law. GigSky reserves the right to deny you participation in the Offer if GigSky suspects abuse or misuse of the Offer, in its sole discretion. You agree and acknowledge that GigSky may share your personal information with Visa and your debit or credit card issuing bank in connection with redemption of the Offer and use of an Offer Plan. For information about how we collect and use your Personal Information please see GigSky’s privacy policy at: https://www.gigsky.com/terms-and-conditions/privacy-policy
*Terms and conditions apply.
As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.