TD Aeroplan Visa Infinite vs Scotiabank Passport Visa Infinite

Annual Fee$139$150
Annual Rewards$564$432
Intro Offer55,000 points25,000 points
Why it’s Good
  • Earn 1.5x Aeroplan points for gas, grocery, and drugstore purchases, and 1x point for all other purchases
  • Comprehensive travel insurance benefits
  • Complimentary first checked bag on Air Canada flights
  • Access to Visa Infinite benefits, such as concierge service and exclusive offers
  • Ability to transfer points to Aeroplan partner airlines
  • No foreign transaction fees
  • 6 free airport lounge visits per year
  • 2x Scotia Rewards points on dining, entertainment, groceries, and daily transit
  • Comprehensive travel insurance benefits
  • Priority Pass lounge membership included
  • 1x Scotia Rewards point per $1 spent on all other purchases
  • Welcome bonus of up to 35,000 Scotia Rewards points

Performance test results

At DollarWise, for each credit card we test 7 different factors including the rewards, value for money, perks, insurance, strengths and weaknesses of the card.

You can see our full testing methodology here to learn why we’re the most trusted source for credit card reviews.

Reward rates

To compare the TD Aeroplan Visa Infinite Card vs the Scotiabank Passport Visa Infinite Card, let’s look at the rates at which you earn rewards for different spending categories per dollar you spend:

Bills1 points1 point
Pharmacy1 points1 point
Gas1.50 points1 point
Groceries1.50 points3 points
Restaurants1 points3 points
Specific Stores1 points3 points
Travel1 points1 point
Other Spend1 points1 point

Comparing annual rewards

We estimate that spending $2,000 per month with the TD Aeroplan Visa Infinite Card would earn $564 in rewards over the year and with the Scotiabank Passport Visa Infinite Card you would earn $432 in rewards.

Our performance testing research uses an accurate estimation of the average Canadian households spending patterns to predict the rewards a card will earn.

Our study investigating the value of the rewards found that the value of the rewards is worth up to $0.02 per point for TD Aeroplan Visa Infinite Card and up to $0.01 per point for Scotiabank Passport Visa Infinite Card, depending on how you redeem.

With these values, we can compare the TD Aeroplan Visa Infinite Card vs Scotiabank Passport Visa Infinite Card based on the amount earned by spend category:

Gas$72$0
Groceries$180$180
Restaurants$0$72
Specific Stores$0$36
Other Spend$312$144

The TD Aeroplan Visa Infinite Card earns $564 in rewards over the year compared to the Scotiabank Passport Visa Infinite Card which earns $432 in rewards.

With the Scotiabank Passport Visa Infinite Card you earn $132 more rewards each year than you would with the TD Aeroplan Visa Infinite Card.

For comparison, the average credit card in our database earns $337 in rewards for the same spend that the Scotiabank Passport Visa Infinite Card earns $564 in rewards value.

If rewards are the most important factor for you, then the Scotiabank Passport Visa Infinite Card is likely to be the better choice for you.

The more that you spend on your credit card each month, the larger the difference in the rewards value earned between these two cards. So, for higher spenders the Scotiabank Passport Visa Infinite Card has an advantage.

We can also compare these cards by looking at the earn rate by category.

This earn rate is the percentage return that you would get when you spend, assuming you redeem at the predicted maximum value.

For example, if a card earned 5 points per dollar on gas and each point is worth up to $0.02, then the earn rate is 5 points multiplied by $0.02 each, divided by the dollar you spent.

In this example, that’s a 10% earn rate on gas.

Bills2.00%1.00%
Pharmacy2.00%1.00%
Gas3.00%1.00%
Groceries3.00%3.00%
Restaurants2.00%3.00%
Specific Stores2.00%3.00%
Travel2.00%1.00%
Other Spend2.00%1.00%

The TD Aeroplan Visa Infinite Card earns 2.00% for every dollar spent on bills, compared to the Scotiabank Passport Visa Infinite Card which earns 1.00%.

For spend at your pharmacy the Scotiabank Passport Visa Infinite Card earns 1.00% while the TD Aeroplan Visa Infinite Card earns 2.00%.

On gas, you’ll earn 3.00% with the TD Aeroplan Visa Infinite Card and 1.00% with the Scotiabank Passport Visa Infinite Card.

For an annual spend of $24,000, we estimated annual rewards value at up to $564 for the TD Aeroplan Visa Infinite Card and $432 for the Scotiabank Passport Visa Infinite Card.

Fees: Scotiabank Passport Visa Infinite Card vs TD Aeroplan Visa Infinite Card

Annual Fee$139$150
Net Rewards$425$282

The TD Aeroplan Visa Infinite Card has a $139 annual fee, whereas the Scotiabank Passport Visa Infinite Card has a $150 annual fee.

For comparison, the average card charges $85.

After deducting the annual fees, we predicted net annual rewards of $425 for the TD Aeroplan Visa Infinite Card and net annual rewards of $282 for the Scotiabank Passport Visa Infinite Card.

Perks

We manually reviewed the perks of the TD Aeroplan Visa Infinite Card vs the Scotiabank Passport Visa Infinite Card to determine how they compare.

The TD Aeroplan Visa Infinite Card scored a 3.0 out of 5 for perks, in comparison the Scotiabank Passport Visa Infinite Card scored a 2.5 out of 5 for perks.

The average card scores 1.6 out of 5 for perks.

Interest Rates

Purchase20.99%20.99%
Cash Advance22.99%22.99%
Balance Transfer22.99%22.99%

The average credit card has a purchase interest rate of 18.29%, whereas the TD Aeroplan Visa Infinite Card charges 20.99% and the Scotiabank Passport Visa Infinite Card charges 20.99%.

Comparing these purchase interest rates, we can see that there is no difference in the purchase interest rates between the two cards. Therefore, the interest rates on purchases you make shouldn’t be a deciding factor for you when picking between these cards..

For cash advances it costs 22.99% and 22.99%, respectively.

Insurance coverage

Extended Warranty1 year1 year
Purchase Protection90 days90 days
Travel Accident$500,000$500,000
Emergency Medical Term21 days25 days
Emergency Medical over 654 days3 days
Trip Cancellation$1,500$1,500
Trip Interruption$5,000$1,500
Flight Delay$500$500
Baggage Delay$1,000$1,000
Lost or Stolen Baggage$1,000
Rental Car Theft & DamageYes
Hotel Burglary$2,500
Mobile Phone Insurance$1,000

We scored the TD Aeroplan Visa Infinite Card a 4.3 out of 5 for insurance, compared to the Scotiabank Passport Visa Infinite Card which scored a 3.9 out of 5.

The TD Aeroplan Visa Infinite Card offers 13 types of insurance, whereas the Scotiabank Passport Visa Infinite Card has 9.

Approval and qualifying

Estimated Credit Score760 – 900660 – 724
Personal Income$60,000$60,000
Household Income$100,000$100,000

We scored the TD Aeroplan Visa Infinite Card a 2.5 out of 5 for approval and the Scotiabank Passport Visa Infinite Card a 3.0.

We predict that you will require a credit score of at least 760 to qualify for the TD Aeroplan Visa Infinite Card, while the Scotiabank Passport Visa Infinite Card requires 660 to qualify.

Annual Fee$139$150
Extra Card Fee$139$150
Card typeVisaVisa

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