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TD Aeroplan® Visa Infinite* Card

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Scotiabank Passport® Visa Infinite* Card

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

TD Aeroplan® Visa Infinite* Card

3.5

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RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

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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

Get your free credit score

Finly Rebate

N/A

Finly Rebate

$100 Cash Rebate from FinlyWealth

Rewards Breakdown

Annual Rewards

$541.37

Air Canada Aeroplan®

First Year Bonus

$735

Air Canada Aeroplan®

Annual Fee

$139

First Year Value

$1,137.37

$402.37 in years after

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

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.

Insurance Included

Lost or Stolen Baggage

$1,000

Baggage Delay

$1,000

Car Rental Damage & Theft

yes

Travel Accident

$500,000

Extended Warranty

1 year

Purchase Protection

90 days

Hotel Burglary Insurance

$2500

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

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

Extra Benefits

Visa Infinite Exclusive Benefits

Concierge Services

Status lift

Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $10,000 of net purchases

Car Rental Discount

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

Trip and legal Assistance

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

Nexus Program Rebate

$100 every 4 years

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

Extra Benefits

Visa Infinite Exclusive Benefits

Concierge Services

Status lift

Avis® Preferred Plus membership

No Foreign Transaction Fees

Airport Lounge - Dragon Pass

6 Free complimentary visits

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Annual Fee

$139

Annual Fee

$150

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 a welcome bonus of 10,000 Aeroplan® points when you make your first purchase with your new card. Earn 15,000 Aeroplan® points when you spend $7,500 within 180 days of Account opening. Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening.

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.

Rewards Rate

1.5x Aeroplan points per $1 spent on gas, groceries, Air Canada and Air Canada vacations (maximum 120,000 points annually)
1x Aeroplan point per $1 spent on all other eligible purchases

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

Loyalty Program

Air Canada Aeroplan®

Loyalty Program

Scene+

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

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

Is this card worth it?

The TD® Aeroplan® Visa Infinite Card* is an excellent choice for frequent Air Canada travelers looking to maximize their rewards with Aeroplan points. With perks like free checked bags, Preferred Pricing, and a first-year fee waiver, it’s ideal for users who value Air Canada-specific benefits. However, the card’s high income requirement and limited non-Air Canada redemption options may not appeal to everyone.

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.

Pros

Earn up to 40,000 Aeroplan points (welcome bonus offer ends January 6, 2025).
1.5 points per $1 on gas, groceries, and Air Canada purchases.
Free checked bags and Preferred Pricing on Air Canada rewards flights.
Extensive insurance coverage with 12 types of insurance.

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.

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.

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.