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Scotiabank Passport® Visa Infinite* Card

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TD® Aeroplan® Visa Infinite Privilege*

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Scotiabank Passport® Visa Infinite* Card vs TD® Aeroplan® Visa Infinite Privilege*: Which one is better?

Scotiabank Passport® Visa Infinite* Card

4.3

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RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

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TD® Aeroplan® Visa Infinite Privilege*

3.2

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RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Get your free credit score

Finly Rebate

$100 Cash Rebate from FinlyWealth

Finly Rebate

N/A

Rewards Breakdown

Annual Rewards

$343.9

Scene+

First Year Bonus

$250

Scene+

Annual Fee

$150

First Year Value

$443.9

$193.9 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Rewards Breakdown

Annual Rewards

$601.85

Air Canada Aeroplan®

First Year Bonus

$1,470

Air Canada Aeroplan®

Annual Fee

$599

First Year Value

$1,472.85

$2.85 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Insurance Included

Lost or Stolen Baggage

$1000

Baggage Delay

$1000

Car Rental Damage & Theft

$65,000 up to 48 days

Travel Accident

$500,000/insured, $1M combined

Extended Warranty

1 year

Purchase Protection

90 days

Hotel Burglary Insurance

$1,000

Emergency Out of province Medical

$2M/insured up to 25 days

Emergency 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

Insurance Included

Lost or Stolen Baggage

$2.5K/person

Baggage Delay

$1K/person after 4 hours

Car Rental Damage & Theft

Up to 48 consecutive rental days

Travel Accident

$500,000

Extended Warranty

2 years

Purchase Protection

120 days

Hotel Burglary Insurance

$2500

Emergency Out of province Medical

$5M/insured up to 31 days

Emergency Medical Over 65

$5M/insured up to 4 days

Trip Cancellation

$2.5K/person, $5K/trip

Trip Interruption

$5K/person, $25K/trip

Flight Delay

$1,000/person after 4 hours

Mobile Device Insurance

$1,500

Extra Benefits

Visa Infinite Exclusive Benefits

Airport Lounge - Dragon Pass

6 Free complimentary visits

Concierge Services

Status lift

Avis® Preferred Plus membership

No Foreign Transaction Fees

Extra Benefits

Visa Infinite Exclusive Benefits

Airport Lounge - Dragon Pass

6 Free complimentary visits

Concierge Services

Status lift

Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchases

Status lift

Complimentary upgrade to Avis® President's Club

Status lift

Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.

Status lift

Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.

Status lift

Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond.

Car Rental Discount

10% off base rate of Avis Rent A Car and Budget Rent A Car

Trip and legal Assistance

Companion Voucher

Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card

Free first checked bag

First checked bag is free for primary cardholder on WestJet flight and up to 8 guests

Extra points

Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores

Extra points

Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore

Extra points

Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgrade

Nexus Program Rebate

$100 every 4 years

Priority Travel

At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.

Priority Travel

Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)

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

Airport Lounge - Maple Leaf and AirCanada Cafes

Unlimited Access for you and one guest

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Annual Fee

$150

Annual Fee

$599

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Income Required

Min Personal Income:

$150,000

Min Household Income:

$200,000

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

20,000 points after approval. 50,000 points after spending over $7,500 within 180 days of account opening. 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening at the anniversary of the card.

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 Air Canada and Air Canada Vacations if they are in the first $100k transactions of the year
1.5 points on Gas, Groceries, Travel and Dining if they are in the first $100k transactions of the year
1.25 Point on everything else

Loyalty Program

Scene+

Loyalty Program

Air Canada Aeroplan®

Point Redemption Options

Travel

1¢ / point

Merchandise

0.76¢ / point

Gift Cards

0.74¢ / point

Entertainment

1¢ / point

Groceries (Sobeys)

1¢ / point

Restaurants

1¢ / point

Statement Credits (Cash)

0.7¢ / point

Point Redemption Options

Travel

0.825¢ / point

Merchandise

0.75¢ / point

Gift Cards

0.72¢ / point

Most Optimal

Aeroplan® Flights

2.1¢ / point

Car 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?

If you travel a lot throughout the year with Air Canada, the benefits of this card can significantly enhance your experience. It can help you achieve the next status level with Aeroplan and provide a better airport experience, therefore it can be worth the price tag. However, if you don't frequently fly with Air Canada, the benefits may not justify the card's expensive price tag.

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

Premium experience for Elite Air Canada travelers with many benefits and status upgrades.
High coverage limit on insurance.
Numerous luxury benefits and statuses available for use.

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 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.
The high price tag makes this card a poor choice if you don't frequently travel with Air Canada.
The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.