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TD Aeroplan® Visa Infinite* Card vs Scotiabank Passport® Visa Infinite* Card: Which one is better?
TD Aeroplan® Visa Infinite* Card
Scotiabank Passport® Visa Infinite* Card
Welcome Bonus
Earn a welcome bonus of 10,000 Aeroplan® points when you make your first purchase with your new card. Earn 15,000 Aeroplan® points when you spend $7,500 within 180 days of Account opening. Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $12,000 within 12 months of Account opening.
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
N/A
Our Cash Offer
$100 Cash Rebate offer from FinlyWealth
Rewards Breakdown
Annual Rewards
$541.37
Air Canada Aeroplan®
First Year Bonus Value
+
$840
Air Canada Aeroplan®
Annual Fee
-
$139
$0
First Year Waived
First Year Value
$1,381.37
$402.37 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
- 1.5x Aeroplan points per $1 spent on gas, groceries, Air Canada and Air Canada vacations (maximum 120,000 points annually)
- 1x Aeroplan point per $1 spent on all other eligible purchases
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
Lost or Stolen Baggage
$1,000
Baggage Delay
$1,000.svg)
Car Rental Damage & Theft
yes
Travel Accident
$500,000
Extended Warranty
1 year
Purchase Protection
90 days
Hotel Burglary Insurance
$2500
Emergency Out of province Medical
21 daysEmergency Medical Over 65
4 days
Trip Cancellation
$1,500
Trip Interruption
$5,000Flight Delay
$500
Mobile Device Insurance
$1,000
Insurance Included
Lost or Stolen Baggage
$1000Baggage Delay
$1000Car Rental Damage & Theft
$65,000 up to 48 daysTravel Accident
$500,000/insured, $1M combinedExtended Warranty
1 yearPurchase Protection
90 daysHotel Burglary Insurance
$1,000Emergency Out of province Medical
$2M/insured up to 25 daysEmergency Medical Over 65
$2M/insured up to 3 daysTrip Cancellation
$1,500/person, $10,000/tripTrip Interruption
$2,500/person, $10,000/tripFlight Delay
$500/person after 4 hours
Extra Benefits
Visa Infinite Exclusive Benefits
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Concierge Services
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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
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance
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Free first checked bag
First checked bag is free for primary cardholder on Aircanada flights 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 170 online retailers through the Aeroplan eStore
Nexus Program Rebate
$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 Benefits
Visa Infinite Exclusive Benefits
Concierge Services
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
Airport Lounge - Dragon Pass
6 Free complimentary visits
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Annual Fee
$139
$0$
First Year Waived
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
Loyalty Program
Loyalty Program
Point Redemption Options
Travel
0.825¢ / point
Merchandise
0.75¢ / point
Gift Cards
0.72¢ / pointMost Optimal
Aeroplan® Flights
2.1¢ / pointCar Rentals
0.9¢ / point
Point Redemption Options
Travel
1¢ / pointMerchandise
0.76¢ / pointGift Cards
0.74¢ / point
Entertainment
1¢ / point
Groceries (Sobeys)
1¢ / point
Restaurants
1¢ / point
Statement Credits (Cash)
0.7¢ / point
Is this card worth it?
The TD® Aeroplan® Visa Infinite Card* is an excellent choice for frequent Air Canada travelers looking to maximize their rewards with Aeroplan points. With perks like free checked bags, Preferred Pricing, and a first-year fee waiver, it’s ideal for users who value Air Canada-specific benefits. However, the card’s high income requirement and limited non-Air Canada redemption options may not appeal to everyone.
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
- 1.5 points per $1 on gas, groceries, and Air Canada purchases.
- Free checked bags and Preferred Pricing on Air Canada rewards flights.
- Extensive insurance coverage with 12 types of insurance.
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.
vs TD Rewards Visa* Card
vs TD® Aeroplan® Visa Platinum* Credit Card
vs TD Platinum Travel Visa* Card
vs TD® Aeroplan® Visa Infinite Privilege*
vs TD Low Rate Visa* Card
vs TD Cash Back Visa Infinite* Card
vs TD Cash Back Visa* Card
vs American Express Platinum Card®
vs American Express® Aeroplan®* Card
vs CIBC Aeroplan® Visa Infinite* Card
vs BMO CashBack® World Elite® Mastercard®
vs TD First Class Travel® Visa Infinite* Card
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard®
vs Scotiabank Gold American Express® Card
vs Rogers Red Mastercard®
vs American Express Cobalt® Card
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
vs CIBC Aeroplan® Visa Infinite* Card
vs BMO CashBack® World Elite® Mastercard®
vs Tangerine Money-Back Credit Card
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 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 American Express Cobalt® Card
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.