Compare these two credit cards side-by-side to see which one offers better value for your spending habits.
When it comes to choosing the perfect credit card, you need clarity, precision, and insights you can trust. That's why Dollarwise rigorously evaluates every card across seven critical factors, ensuring you get a detailed and actionable review.
Below you'll find a table which shows you the estimated reward each card will earn, as well as the ratings we gave the cards for each category. We compared the cards based on their perks, fees, approval rate, insurance, acceptance by merchants, interest rates and the rewards you'll earn. Each score is out of a maximum of 5.
Compare the basic details and eligibility requirements for each card to see which one you qualify for.
We estimate that spending $2,000 per month with the RBC British Airways Visa Infinite would earn $0 in rewards over the year and with the Scotiabank Momentum Mastercard Credit Card you would earn $0 in rewards.
When you spend using the RBC British Airways Visa Infinite you will earn points called British Airways Miles.
When you spend using the Scotiabank Momentum Mastercard Credit Card you will earn points called .
We can also compare the RBC British Airways Visa Infinite vs Scotiabank Momentum Mastercard Credit Card based on the amount earned in each spend category:
First, let's look at the actual reward structure for each card:
We can also compare the RBC British Airways Visa Infinite vs Scotiabank Momentum Mastercard Credit Card based on the "earn rate", which shows in percentage terms how much you'll get back on your spend.
When it comes to fees, the Scotiabank Momentum Mastercard Credit Card is better than the RBC British Airways Visa Infinite.
The Scotiabank Momentum Mastercard Credit Card charges an annual fee of $0, which is $165 less than the $165 annual fee for the RBC British Airways Visa Infinite. So, if annual fees are important to you, then the Scotiabank Momentum Mastercard Credit Card is the better choice.
Neither RBC British Airways Visa Infinite nor Scotiabank Momentum Mastercard Credit Card provides airline-specific travel perks like lounge access, priority boarding, expedited security, or a complimentary checked bag.
Neither card offers concierge service.
Neither card provides elite status acceleration. If climbing loyalty tiers is important to you, you might consider other options.
Both cards have similar interest rates.
The RBC British Airways Visa Infinite charges 20.5 on your credit balance for purchases, which is different from the interest rate on the Scotiabank Momentum Mastercard Credit Card.
It's worth noting that the RBC British Airways Visa Infinite has an interest rate of 22.99 on any balance you transfer to this card from another credit card. That rate is higher than the 22.99 that is charged on the Scotiabank Momentum Mastercard Credit Card. If you expect to transfer a balance to this card then the Scotiabank Momentum Mastercard Credit Card might save you a lot of money.
The RBC British Airways Visa Infinite gives you more insurance than the Scotiabank Momentum Mastercard Credit Card.
The Scotiabank Momentum Mastercard Credit Card includes 6 types of insurance, whereas the RBC British Airways Visa Infinite only gives you 2. In comparison, the average credit card gives you 5 types of insurance. So, if insurance is important to you, then the Scotiabank Momentum Mastercard Credit Card is the better choice.
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The RBC British Airways Visa Infinite is often compared against other similar cards in the market. We've also compared it against various other options to help you make the best choice.
The Scotiabank Momentum Mastercard Credit Card is often compared with other premium cards in its category. We've also compared it against other cards to give you comprehensive insights.
