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Scotiabank Passport® Visa Infinite* Card

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TD First Class Travel® Visa Infinite* Card

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Scotiabank Passport® Visa Infinite* Card vs TD First Class Travel® Visa Infinite* Card: 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 First Class Travel® Visa Infinite* Card

3.9

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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

$401.23

TD Rewards

First Year Bonus

$575

TD Rewards

Annual Fee

$139

First Year Value

$976.23

$262.23 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

$1,000

Baggage Delay

$1,000

Car Rental Damage & Theft

yes

Travel Accident

$500,000

Extended Warranty

Up to 1 year

Purchase Protection

90 days

Hotel Burglary Insurance

$2,500

Emergency Out of province Medical

21 days

Emergency Medical Over 65

4 days

Trip Cancellation

$1,500

Trip Interruption

$5,000

Flight Delay

$500

Mobile Device Insurance

$1,000

Extra Benefits

Visa Infinite Exclusive Benefits

Concierge Services

No Foreign Transaction Fees

Airport Lounge - Dragon Pass

6 Free complimentary visits

Status lift

Avis® Preferred Plus membership

Extra Benefits

Visa Infinite Exclusive Benefits

Concierge Services

Car Rental Discount

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

Annual Birthday Bonus

Earn a Birthday Bonus of up to 10,000 TD Rewards Points

Extra points

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

Travel Credit

Get an annual TD Travel Credit of $100 when you book at Expedia For TD

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

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Annual Fee

$150

Annual Fee

$139

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

Earn up to $1,000 in value, including up to 135,000 TD Rewards Points and no Annual Fee for the first year. Conditions Apply. Account must be approved by January 6, 2025.

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

8x points per $1 spent on travel booked online through Expedia for TD
6x points per $1 spent on eligible grocery and restaurant purchases
4x points per $1 spent on eligible recurring bill payments
2x points per $1 spent on all other eligible purchases

Loyalty Program

Scene+

Loyalty Program

TD Rewards

Point Redemption Options

Travel

1¢ / point

Merchandise

0.76¢ / point

Gift Cards

0.74¢ / point

Statement Credits (Cash)

0.7¢ / point

Entertainment

1¢ / point

Groceries (Sobeys)

1¢ / point

Restaurants

1¢ / point

Point Redemption Options

Travel

0.4¢ / point

Statement Credits (Cash)

0.25¢ / point

Gift Cards

0.25¢ / point

Merchandise

0.225¢ / point

Most Optimal

Travel via Expedia

0.5¢ / point

Education

0.4¢ / point

Amazon.ca

0.33¢ / 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 TD First Class Travel Visa Infinite Card is an excellent option for frequent travelers who book through Expedia For TD and want to maximize rewards on travel purchases. The high welcome bonus and extensive insurance coverage make this card stand out. However, the high income requirements and limited value of TD points may not make it the best fit for everyone.

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 of up to 135,000 points, which can be worth up to $675 in travel rewards.
Earn 8 points per $1 spent on travel booked through Expedia For TD, making it a great card for frequent travelers.
First year annual fee rebate, making it free for the first year.
Extensive insurance coverage, including trip cancellation, emergency medical, baggage delay, and more.
Annual $100 travel credit on a purchase of $500 or more through Expedia For TD.

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

High income requirements: You need to earn at least $60,000 personally or $100,000 as a household.
TD Rewards points are only worth 0.5 cents each, limiting their value compared to some other rewards programs.
The Expedia For TD platform might not always offer the best prices or availability compared to booking directly with airlines or hotels.