Scotiabank Passport® Visa Infinite* Card

Scotiabank Passport® Visa Infinite* Card

Apply Now
TD First Class Travel® Visa Infinite* Card

TD First Class Travel® Visa Infinite* Card

Apply Now

Scotiabank Passport® Visa Infinite* Card vs TD First Class Travel® Visa Infinite* Card: Which one is better?


Scotiabank Passport® Visa Infinite* Card

Scotiabank Passport® Visa Infinite* Card

4.3


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

TD First Class Travel® Visa Infinite* Card

TD First Class Travel® Visa Infinite* Card

3.9


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

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 baggage

    Lost or Stolen Baggage

    $1000
  • hourglass timer

    Baggage Delay

    $1000
  • car insurance

    Car Rental Damage & Theft

    $65,000 up to 48 days
  • heart lock

    Travel Accident

    $500,000/insured, $1M combined
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $1,000
  • travel accident medical

    Emergency Out of province Medical

    $2M/insured up to 25 days
  • travel accident medical

    Emergency Medical Over 65

    $2M/insured up to 3 days
  • cancel airplane

    Trip Cancellation

    $1,500/person, $10,000/trip
  • pause

    Trip Interruption

    $2,500/person, $10,000/trip
  • hourglass timer

    Flight Delay

    $500/person after 4 hours

Insurance Included

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $1,000
  • car insurance

    Car Rental Damage & Theft

    yes
  • heart lock

    Travel Accident

    $500,000
  • extended warranty

    Extended Warranty

    Up to 1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $2,500
  • travel accident medical

    Emergency Out of province Medical

    21 days
  • travel accident medical

    Emergency Medical Over 65

    4 days
  • cancel airplane

    Trip Cancellation

    $1,500
  • pause

    Trip Interruption

    $5,000
  • hourglass timer

    Flight Delay

    $500

  • mobile device insurance

    Mobile Device Insurance

    $1,000

Extra Benefits

  • exclusive

    Visa Infinite Exclusive Benefits

  • concierge

    Concierge Services


  • exchange money

    No Foreign Transaction Fees

  • alcohol cheers

    Airport Lounge - Dragon Pass

    6 Free complimentary visits
  • star fall

    Status lift

    Avis® Preferred Plus membership

Extra Benefits

  • exclusive

    Visa Infinite Exclusive Benefits

  • concierge

    Concierge Services


  • car rental

    Car Rental Discount

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

    Annual Birthday Bonus

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

    Extra points

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

    Travel Credit

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

    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

$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

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

Loyalty Program

Point Redemption Options

  • travel - plane

    Travel

    1¢ / point
  • online shop

    Merchandise

    0.76¢ / point
  • gift card

    Gift Cards

    0.74¢ / point
  • cash coins

    Statement Credits (Cash)

    0.7¢ / point

  • entertainment popcorn

    Entertainment

    1¢ / point
  • groceries

    Groceries (Sobeys)

    1¢ / point
  • food location

    Restaurants

    1¢ / point

Point Redemption Options

  • travel - plane

    Travel

    0.4¢ / point
  • cash coins

    Statement Credits (Cash)

    0.25¢ / point
  • gift card

    Gift Cards

    0.25¢ / point
  • online shop

    Merchandise

    0.225¢ / point

  • Most Optimal

    expedia

    Travel via Expedia

    0.5¢ / point
  • education

    Education

    0.4¢ / point
  • amazon logo

    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.

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