Scotiabank Passport® Visa Infinite* Card vs American Express® Aeroplan®* Card: Which one is better?
Scotiabank Passport® Visa Infinite* Card
4.3
RECOMMENDED CREDIT SCORE
American Express® Aeroplan®* Card
3.3
RECOMMENDED CREDIT SCORE*
Finly Rebate
Now $150 until Oct 31, 2024
Finly Rebate
N/A
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.
Rewards Breakdown
Annual Rewards
$506.17
Air Canada Aeroplan
Welcome Bonus
$630
Air Canada Aeroplan
Annual Fee
$120
First Year Value
$1,016.17
$386.17 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included
Flight Delay
$500/person after 4 hours
Baggage Delay
$1000
Travel Accident
$500,000/insured, $1M combined.svg)
Car Rental Damage & Theft
$65,000 up to 48 days
Hotel Burglary Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year
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/trip
Lost or Stolen Baggage
$1000
Insurance Included*
Flight Delay
$500/person after 4 hoursBaggage Delay
$1000Travel Accident
$500,000/insured, $1M combinedCar Rental Damage & Theft
$65,000 up to 48 daysHotel Burglary Insurance
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Extra Benefits
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Status lift
Avis® Preferred Plus membership
No Foreign Transaction Fees
Airport Lounge - Dragon Pass
6 Free complimentary visits.svg)
Concierge Services
Visa Infinite Exclusive Benefits
Extra Benefits*
Status lift
Avis® Preferred Plus membership
Free first checked bag
You and up to 8 companions every time you fly with Air Canada
Free Extra Night at Hotels
Receive an extra night free for every 3 hotel nights redeemed with Aeroplan points
American Express Experiences
Extra points
Earn points twice at over 150 Aeroplan partner brands
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Interest Rates*
Purchase:
30% Annual2
Cash Advance:
30% Annual2
Annual Fee
$150
Annual Fee*
$120
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
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.
Welcome Bonus*
Earn 30,000 Aeroplan points after spending $3,000 on your Card within the first 3 months. Additional 20,000 Aeroplan points when you spend $1,000 in month 13.
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
Rewards Rate*
- 2 points on Aircanada and AirCanada Vacations
- 1.5 points on Dining
- 1 Point on everything else
Loyalty Program
Loyalty Program*
Point Redemption Options
Travel
1¢ / 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
Point Redemption Options*
Travel
1¢ / pointGift Cards
0.74¢ / pointMost Optimal
Transfer to Airline Partners
2.1¢ / 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 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
- Free checked bag benefit: Every checked bag might cost you $60 - $100 per person on a round trip. The amount you can save in a year if you travel a few times or travel with a few companions can easily be much higher than the annual fee of the card.If you are interested in a higher Aeroplan Status, the card helps you get there faster.
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 main reward category is only for Air Canada purchases. Unless you are a frequent Air Canada traveler, this reward category is not useful to most people.
- The only other rewards category offered is for food, and it doesn't offer that high of a reward rate either.
- In terms of insurance benefits, the types and coverage amounts provided are lower compared to other cards with a similar annual fee.
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Other Comparisons
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vs American Express Cobalt® Card
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Scotiabank Passport® Visa Infinite* Card vs American Express® Aeroplan®* Card: When to go for one over the other
Annual Fees and Requirements
Rewards Comparison
Reward Redemption Options
Benefits and Insurance
Conclusion
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