Scotiabank Passport® Visa Infinite* Card vs CIBC Aeroplan® Visa Infinite* Card: Which one is better?
Scotiabank Passport® Visa Infinite* Card
4.3
RECOMMENDED CREDIT SCORE
CIBC Aeroplan® Visa Infinite* 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
$533.24
Air Canada Aeroplan
Welcome Bonus
$630
Air Canada Aeroplan
Annual Fee
$139
First Year Value
$1,024.24
$394.24 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included
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
Flight Delay
$500/person after 4 hours
Lost or Stolen Baggage
$1000
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
Insurance Included
Emergency 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 hoursLost or Stolen Baggage
$1000Baggage 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
Mobile Device Insurance
$1,000
Extra Benefits
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Status lift
Avis® Preferred Plus membership
Visa Infinite Exclusive Benefits
No Foreign Transaction Fees
Airport Lounge - Dragon Pass
6 Free complimentary visits.svg)
Concierge Services
Extra Benefits
Status lift
Avis® Preferred Plus membershipVisa Infinite Exclusive Benefits
Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
Car Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.
Free first checked bag
Enjoy a free first checked bag for you, authorized users and up to 8 companions every time you fly with Air Canada
Discount
Primary cardholders can often book flight rewards for even fewer points
Free Extra Night at Hotels
Extra night free for every 3 hotel nights redeemed with Aeroplan points
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%, for Quebec 21.99%
Balance Transfer:
22.99%
Annual Fee
$150
Annual Fee
$139
$0
First Year Waived
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
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
10,000 Aeroplan points when you make your first purchase, 20,000 Aeroplan points when you spend $5,000 or more during the first 4 monthly statements periods, 10,000 Aeroplan points as an additional anniversary bonus when you have at least $10,000 in net purchases posted on your account during the first 12 monthly statement periods
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
- 1.5 Aeroplan® points per $1 spent on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
- 1 Aeroplan® point per $1 spent on all other purchases
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?
The CIBC Aeroplan Visa Infinite Card is great for Air Canada travelers who want to rack up Aeroplan points and enjoy perks like free checked bags and preferred pricing on flight redemptions. With solid reward rates in key spending categories like gas, groceries, and Air Canada purchases, this card offers decent returns. Additionally, the first-year annual fee waiver and comprehensive travel insurance make it a solid option for those looking for value without the upfront cost. However, its highest value is for people who frequently travel with Air Canada and make use of Aeroplan rewards, especially for flights.
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
- Generous Welcome Bonus: 40,000 Aeroplan points upon meeting the initial spending requirements.
- High Reward Rates: Earn up to 1.5 points per $1 spent on gas, groceries, EV charging, and Air Canada purchases.
- Air Canada Perks: Free checked bags for you and up to 8 companions when flying Air Canada.
- Preferred Pricing on Aeroplan Flights: Get access to better Aeroplan point redemption rates for Air Canada flights.
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
- Income Requirements: Requires either a $60,000 personal income or a $100,000 household income to qualify.
- Limited Redemption Value: The highest value for points is found when redeeming for Air Canada flights, limiting flexibility if you prefer other types of rewards.
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