![\"\"](\"http://www.dollarwise.ca/wp-content/uploads/2023/06/TD-Aeroplan-Visa-Infinite-Card.png\")
![\"\"](\"http://www.dollarwise.ca/wp-content/uploads/2023/06/Scotiabank-Passport-Visa-Infinite-Card.png\")
| Annual Fee | {{first_card.annualFee}} | {{second_card.annualFee}} |
| Annual Rewards | {{first_card.rewards}} | {{second_card.rewards}} |
| Intro Offer | {{first_card.introOffer}} | {{second_card.introOffer}} |
| Why it's Good | {{first_Pros}} | {{second_Pros}} |
Editorial Note: DollarWise may earn a commission on sales made from partner links on this page.
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 {{first_card.name}} vs the {{second_card.name}}, let's look at the rates at which you earn rewards for different spending categories per dollar you spend:
| Bills | {{first_reward_bills}} | {{second_reward_bills}} |
| Pharmacy | {{first_reward_drug}} | {{second_reward_drug}} |
| Gas | {{first_reward_gas}} | {{second_reward_gas}} |
| Groceries | {{first_reward_grocery}} | {{second_reward_grocery}} |
| Restaurants | {{first_reward_restaurant}} | {{second_reward_restaurant}} |
| Specific Stores | {{first_reward_store}} | {{second_reward_store}} |
| Travel | {{first_reward_travel}} | {{second_reward_travel}} |
| Other Spend | {{first_reward_other}} | {{second_reward_other}} |
Comparing annual rewards
We estimate that spending {{monthlyspend}} per month with the {{first_card.name}} would earn {{first_card.rewards}} in rewards over the year and with the {{second_card.name}} you would earn {{second_card.rewards}} 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 {{first_card.max_reward}} per point for {{first_card.name}} and up to {{second_card.max_reward}} per point for {{second_card.name}}, depending on how you redeem.
With these values, we can compare the {{first_card.name}} vs {{second_card.name}} based on the amount earned by spend category:
| Bills | {{first_bills_dollarrewards}} | {{second_bills_dollarrewards}} |
| Pharmacy | {{first_drug_dollarrewards}} | {{second_drug_dollarrewards}} |
| Gas | {{first_gas_dollarrewards}} | {{second_gas_dollarrewards}} |
| Groceries | {{first_grocery_dollarrewards}} | {{second_grocery_dollarrewards}} |
| Restaurants | {{first_restaurant_dollarrewards}} | {{second_restaurant_dollarrewards}} |
| Specific Stores | {{first_store_dollarrewards}} | {{second_store_dollarrewards}} |
| Travel | {{first_travel_dollarrewards}} | {{second_travel_dollarrewards}} |
| Other Spend | {{first_other_dollarrewards}} | {{second_other_dollarrewards}} |
The {{first_card.name}} earns {{first_card.rewards}} in rewards over the year compared to the {{second_card.name}} which earns {{second_card.rewards}} in rewards.
{{rewards_difference}}
For comparison, the average credit card in our database earns {{averages.mean_annual_rewards}} in rewards for the same spend that the {{rewards_avg_text}}
{{better_rewards_text}}
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 {{winner_rewards}} 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.
| Bills | {{first_bills_earnrate}} | {{second_bills_earnrate}} |
| Pharmacy | {{first_drug_earnrate}} | {{second_drug_earnrate}} |
| Gas | {{first_gas_earnrate}} | {{second_gas_earnrate}} |
| Groceries | {{first_grocery_earnrate}} | {{second_grocery_earnrate}} |
| Restaurants | {{first_restaurant_earnrate}} | {{second_restaurant_earnrate}} |
| Specific Stores | {{first_store_earnrate}} | {{second_store_earnrate}} |
| Travel | {{first_travel_earnrate}} | {{second_travel_earnrate}} |
| Other Spend | {{first_other_earnrate}} | {{second_other_earnrate}} |
The {{first_card.name}} earns {{first_bills_earnrate}} for every dollar spent on bills, compared to the {{second_card.name}} which earns {{second_bills_earnrate}}.
For spend at your pharmacy the {{second_card.name}} earns {{second_drug_earnrate}} while the {{first_card.name}} earns {{first_bills_earnrate}}.
On gas, you'll earn {{first_gas_earnrate}} with the {{first_card.name}} and {{second_gas_earnrate}} with the {{second_card.name}}.
For an annual spend of {{annualspend}}, we estimated annual rewards value at up to {{first_card.rewards}} for the {{first_card.name}} and {{second_card.rewards}} for the {{second_card.name}}.
Fees: {{second_card.name}} vs {{first_card.name}}
| Annual Fee | {{first_card.annualFee}} | {{second_card.annualFee}} |
| Net Rewards | {{first_net_after_fee}} | {{second_net_after_fee}} |
The {{first_card.name}} has a {{first_card.annualFee}} annual fee, whereas the {{second_card.name}} has a {{second_card.annualFee}} annual fee.
For comparison, the average card charges {{averages.mean_annual_fee}}.
After deducting the annual fees, we predicted net annual rewards of {{first_net_after_fee}} for the {{first_card.name}} and net annual rewards of {{second_net_after_fee}} for the {{second_card.name}}.
Perks
We manually reviewed the perks of the {{first_card.name}} vs the {{second_card.name}} to determine how they compare.
The {{first_card.name}} scored a {{first_factor_score_perks}} out of 5 for perks, in comparison the {{second_card.name}} scored a {{second_factor_score_perks}} out of 5 for perks.
The average card scores {{averages.mean_factor_score_perks}} out of 5 for perks.
Interest Rates
| Purchase | {{first_purchase_interest_rate}}% | {{second_purchase_interest_rate}}% |
| Cash Advance | {{first_cash_advance_interest_rate}}% | {{second_cash_advance_interest_rate}}% |
| Balance Transfer | {{first_balance_transfer_interest_rate}}% | {{second_balance_transfer_interest_rate}}% |
The average credit card has a purchase interest rate of {{averages.mean_purchase_interest_rate}}%, whereas the {{first_card.name}} charges {{first_purchase_interest_rate}}% and the {{second_card.name}} charges {{second_purchase_interest_rate}}%.
Comparing these purchase interest rates, we can see that {{interest_diff}}.
For cash advances it costs {{first_cash_advance_interest_rate}}% and {{second_cash_advance_interest_rate}}%, respectively.
Insurance coverage
| Extended Warranty | {{first_warranty}} | {{second_warranty}} |
| Purchase Protection | {{first_purchase_protection}} | {{second_purchase_protection}} |
| Travel Accident | {{first_travel_accident}} | {{second_travel_accident}} |
| Emergency Medical Term | {{first_emergency_medical_term}} | {{second_emergency_medical_term}} |
| Emergency Medical over 65 | {{first_emergency_medical_65}} | {{second_emergency_medical_65}} |
| Trip Cancellation | {{first_trip_cancellation}} | {{second_trip_cancellation}} |
| Trip Interruption | {{first_trip_interruption}} | {{second_trip_interruption}} |
| Flight Delay | {{first_flight_delay}} | {{second_flight_delay}} |
| Baggage Delay | {{first_baggage_delay_insurance}} | {{second_baggage_delay_insurance}} |
| Lost or Stolen Baggage | {{first_stolen_baggage}} | {{second_stolen_baggage}} |
| Event Cancellation | {{first_event_cancel}} | {{second_event_cancel}} |
| Rental Car Theft & Damage | {{first_rental_theft_damage}} | {{second_rental_theft_damage}} |
| Rental Car Personal Effects | {{first_rental_personal}} | {{second_rental_personal}} |
| Rental Car Accident | {{first_rental_accident}} | {{second_rental_accident}} |
| Hotel Burglary | {{first_hotel_burglary}} | {{second_hotel_burglary}} |
| Mobile Phone Insurance | {{first_mobile_insurance}} | {{second_mobile_insurance}} |
| Personal Effects Insurance | {{first_personal_effects}} | {{second_personal_effects}} |
| Price Protection Insurance | {{first_price_protection}} | {{second_price_protection}} |
We scored the {{first_card.name}} a {{first_factor_score_insurance}} out of 5 for insurance, compared to the {{second_card.name}} which scored a {{second_factor_score_insurance}} out of 5.
The {{first_card.name}} offers {{first_insurance_count}} types of insurance, whereas the {{second_card.name}} has {{second_insurance_count}}.
Approval and qualifying
| Estimated Credit Score | {{first_credit_score_low}} - {{first_credit_score_high}} | {{second_credit_score_low}} - {{second_credit_score_high}} |
| Personal Income | {{first_personal_income}} | {{second_personal_income}} |
| Household Income | {{first_household_income}} | {{second_household_income}} |
We scored the {{first_card.name}} a {{first_factor_score_approval}} out of 5 for approval and the {{second_card.name}} a {{second_factor_score_approval}}.
We predict that you will require a credit score of at least {{first_credit_score_low}} to qualify for the {{first_card.name}}, while the {{second_card.name}} requires {{second_credit_score_low}} to qualify.
| Annual Fee | {{first_card.annualFee}} | {{second_card.annualFee}} |
| Extra Card Fee | {{first_card.annualFee}} | {{second_card.annualFee}} |
| Card type | {{first_card_type}} | {{second_card_type}} |