Scotiabank Passport® Visa Infinite +* Card
Scotiabank
- Annual fee
- $150
- Foreign fee
- 0%
- Annual fee
- $150
- Base Rewards Rate
- 1x
- Welcome bonus
- 35,000 points
Scene+
(Up to)
Applications are submitted to Scotiabank
Scotiabank Passport® Visa Infinite +* Card vs Scotiabank Passport® Visa Infinite Privilege* Card
A field-by-field comparison of Scotiabank Passport® Visa Infinite +* Card and Scotiabank Passport® Visa Infinite Privilege* Card, built from the same card data that powers our comparison tools. Every figure below traces back to a data field — nothing here is an editorial estimate.
Scotiabank Passport® Visa Infinite Privilege* Card
Scotiabank
- Annual fee
- $599
- Foreign fee
- 0%
- Annual fee
- $599
- Base Rewards Rate
- 1x
- Welcome bonus
- 80,000 points
Scene+
(Up to)
Applications are submitted to Scotiabank
Key features at a glance
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Issuer | Scotiabank | Scotiabank |
| Network | ||
| Program | Scene+ | Scene+ |
| Point default value | 1¢/point | 1¢/point |
| Annual fee | $150Better on this row | $599 |
| Foreign transaction fee | 0.0 % | 0.0 % |
| Min. annual income | $60,000+ | $150,000+ |
| All purchases | 1x | 1x |
| Groceries | 2xBetter on this row | 1x |
| Gas | 1x | 1x |
| Purchase interest rate | 20.99% | 20.99% |
The short answer
- Year oneScotiabank Passport® Visa Infinite +* Card wins 6 of 6 profiles, Scotiabank Passport® Visa Infinite Privilege* Card wins 0, and 0 are too close to call.Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
- Every year afterScotiabank Passport® Visa Infinite +* Card wins 6 of 6 profiles, Scotiabank Passport® Visa Infinite Privilege* Card wins 0, and 0 are too close to call.The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
- Scotiabank Passport® Visa Infinite +* Card costs $150 a year — $449 less than Scotiabank Passport® Visa Infinite Privilege* Card at $599.
- Scotiabank Passport® Visa Infinite Privilege* Card asks for a personal income of $150,000 — $90,000 more than Scotiabank Passport® Visa Infinite +* Card at $60,000.
- Scotiabank Passport® Visa Infinite Privilege* Card asks for a household income of $200,000 — $100,000 more than Scotiabank Passport® Visa Infinite +* Card at $100,000.
Where each card wins
Scotiabank Passport® Visa Infinite +* Card
In its favour
- Scotiabank Passport® Visa Infinite +* Card costs $150 a year — $449 less than Scotiabank Passport® Visa Infinite Privilege* Card at $599.
- Scotiabank Passport® Visa Infinite +* Card unlocks its bonus after $2,000 of spending over 3 months, $18,000 less than Scotiabank Passport® Visa Infinite Privilege* Card at $20,000 over 6 months.
- Groceries: Scotiabank Passport® Visa Infinite +* Card earns 2x (2% back per dollar), against 1x (1% back per dollar) on Scotiabank Passport® Visa Infinite Privilege* Card.The ceilingThat rate runs to $50,000 of spending a year. Past the ceiling, Scotiabank Passport® Visa Infinite +* Card earns 1x (1% back per dollar) and Scotiabank Passport® Visa Infinite Privilege* Card pulls ahead.
- Transit: Scotiabank Passport® Visa Infinite +* Card earns 2x (2% back per dollar), against 1x (1% back per dollar) on Scotiabank Passport® Visa Infinite Privilege* Card.The ceilingThat rate runs to $50,000 of spending a year. Past the ceiling, Scotiabank Passport® Visa Infinite +* Card earns 1x (1% back per dollar) and Scotiabank Passport® Visa Infinite Privilege* Card pulls ahead.
Against it
No material difference in this card's favour was found in the data we compare.
Scotiabank Passport® Visa Infinite Privilege* Card
In its favour
- Travel: Scotiabank Passport® Visa Infinite Privilege* Card earns 3x (3% back per dollar), against 1x (1% back per dollar) on Scotiabank Passport® Visa Infinite +* Card.
- Scotiabank Passport® Visa Infinite Privilege* Card includes Mobile device, which Scotiabank Passport® Visa Infinite +* Card does not.
Against it
- Scotiabank Passport® Visa Infinite Privilege* Card asks for a personal income of $150,000 — $90,000 more than Scotiabank Passport® Visa Infinite +* Card at $60,000.
- Scotiabank Passport® Visa Infinite Privilege* Card asks for a household income of $200,000 — $100,000 more than Scotiabank Passport® Visa Infinite +* Card at $100,000.
Welcome offer
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Welcome bonusNot comparable in the same units | Up to 35,000 points | Up to 80,000 points |
| Our valuationDepends on how you spend | $350 | $850 |
Income required
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Min. annual income | $60,000+ | $150,000+ |
| Min. household income | $100,000+ | $200,000+ |
Earning rewards
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Groceries | 2xBetter on this row | 1x |
| Restaurants | 2x | 2x |
| Gas | 1x | 1x |
| Local transit | 2xBetter on this row | 1x |
| Travel | 1x | 3xBetter on this row |
| Pharmacies | 1x | 1x |
| Convenience stores | 1x | 1x |
| Streaming | 1x | 1x |
| Telecom | 1x | 1x |
| Entertainment | 2x | 2x |
| Recurring payments | 1x | 1x |
| Online purchases | 1x | 1x |
| Office supplies | 1x | 1x |
| With the partner brand | 3xBetter on this row | 1x |
| All purchases | 1x | 1x |
Benefits
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Airport lounge access | Visa Airport Companion Program6 visits | Visa Airport Companion Program10 visits |
| Priority boarding | ✗ | — |
| Wi-Fi access | ✗ | — |
Annual fee and rates
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Annual fee | $150Better on this row | $599 |
| Additional card | $0 | $199 |
| Foreign transaction fee | 0.0 % | 0.0 % |
| Purchase interest rate | 20.99% | 20.99% |
| Purchase rate (Quebec) | 20.99% | 20.99% |
| Cash advance rate | 22.99% | 22.99% |
Insurance
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Travel accident | $500,000 | $500,000 |
| Travel medical | $2,000,000 | $5,000,000Better on this row |
Card details
Which one wins, by spending profile
Grocery-heavy household
A family basket weighted towards groceries and everyday spending.
Assumes $54,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Rewards earned | $795 | $660 |
| Annual fee | −$150 | −$599 |
| Welcome bonus | $350 | $600 |
| Net value | $995 | $661 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Rewards earned | $795 | $660 |
| Annual fee | −$150 | −$599 |
| Recurring credits | $0 | $450 |
| Net value | $645 | $511 |
Show the per-category math
| Category | Spending | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $13,800 | 2x | $276 | 1xbase rate | $138 |
| Gas & EV | $4,200 | 1xbase rate | $42 | 1xbase rate | $42 |
| Transit | $2,700 | 2x | $54 | 1xbase rate | $27 |
| Restaurants | $4,800 | 2x | $96 | 2x | $96 |
| Pharmacy | $900 | 1xbase rate | $9 | 1xbase rate | $9 |
| Travel | $1,500 | 1xbase rate | $15 | 3x | $45 |
| Bills & recurring payments | $5,100 | 1xbase rate | $51 | 1xbase rate | $51 |
| Telecom | $4,800 | 1xbase rate | $48 | 1xbase rate | $48 |
| Entertainment & streaming | $4,200 | 2x | $84 | 2x | $84 |
| Office supplies | $0 | 1xbase rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 1xbase rate | $0 | 1xbase rate | $0 |
| Other | $12,000 | 1xbase rate | $120 | 1xbase rate | $120 |
Light spender
A modest basket where an annual fee weighs heavily.
Assumes $21,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Rewards earned | $303 | $258 |
| Annual fee | −$150 | −$599 |
| Welcome bonus | $250 | $300 |
| Net value | $403 | −$41 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Rewards earned | $303 | $258 |
| Annual fee | −$150 | −$599 |
| Recurring credits | $0 | $450 |
| Net value | $153 | $109 |
Show the per-category math
| Category | Spending | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $4,800 | 2x | $96 | 1xbase rate | $48 |
| Gas & EV | $1,800 | 1xbase rate | $18 | 1xbase rate | $18 |
| Transit | $900 | 2x | $18 | 1xbase rate | $9 |
| Restaurants | $2,100 | 2x | $42 | 2x | $42 |
| Pharmacy | $600 | 1xbase rate | $6 | 1xbase rate | $6 |
| Travel | $600 | 1xbase rate | $6 | 3x | $18 |
| Bills & recurring payments | $2,100 | 1xbase rate | $21 | 1xbase rate | $21 |
| Telecom | $2,400 | 1xbase rate | $24 | 1xbase rate | $24 |
| Entertainment & streaming | $1,500 | 2x | $30 | 2x | $30 |
| Office supplies | $0 | 1xbase rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 1xbase rate | $0 | 1xbase rate | $0 |
| Other | $4,200 | 1xbase rate | $42 | 1xbase rate | $42 |
Everyday couple
A balanced two-person basket across groceries, dining and bills.
Assumes $36,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Rewards earned | $540 | $456 |
| Annual fee | −$150 | −$599 |
| Welcome bonus | $250 | $300 |
| Net value | $640 | $157 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Rewards earned | $540 | $456 |
| Annual fee | −$150 | −$599 |
| Recurring credits | $0 | $450 |
| Net value | $390 | $307 |
Show the per-category math
| Category | Spending | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $9,000 | 2x | $180 | 1xbase rate | $90 |
| Gas & EV | $2,400 | 1xbase rate | $24 | 1xbase rate | $24 |
| Transit | $1,800 | 2x | $36 | 1xbase rate | $18 |
| Restaurants | $3,600 | 2x | $72 | 2x | $72 |
| Pharmacy | $600 | 1xbase rate | $6 | 1xbase rate | $6 |
| Travel | $1,200 | 1xbase rate | $12 | 3x | $36 |
| Bills & recurring payments | $3,000 | 1xbase rate | $30 | 1xbase rate | $30 |
| Telecom | $3,600 | 1xbase rate | $36 | 1xbase rate | $36 |
| Entertainment & streaming | $3,600 | 2x | $72 | 2x | $72 |
| Office supplies | $0 | 1xbase rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 1xbase rate | $0 | 1xbase rate | $0 |
| Other | $7,200 | 1xbase rate | $72 | 1xbase rate | $72 |
Retiree
A basket tilted towards groceries, pharmacy and travel.
Assumes $27,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Rewards earned | $399 | $333 |
| Annual fee | −$150 | −$599 |
| Welcome bonus | $250 | $300 |
| Net value | $499 | $34 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Rewards earned | $399 | $333 |
| Annual fee | −$150 | −$599 |
| Recurring credits | $0 | $450 |
| Net value | $249 | $184 |
Show the per-category math
| Category | Spending | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $7,200 | 2x | $144 | 1xbase rate | $72 |
| Gas & EV | $2,100 | 1xbase rate | $21 | 1xbase rate | $21 |
| Transit | $1,200 | 2x | $24 | 1xbase rate | $12 |
| Restaurants | $2,400 | 2x | $48 | 2x | $48 |
| Pharmacy | $600 | 1xbase rate | $6 | 1xbase rate | $6 |
| Travel | $900 | 1xbase rate | $9 | 3x | $27 |
| Bills & recurring payments | $2,700 | 1xbase rate | $27 | 1xbase rate | $27 |
| Telecom | $2,700 | 1xbase rate | $27 | 1xbase rate | $27 |
| Entertainment & streaming | $2,100 | 2x | $42 | 2x | $42 |
| Office supplies | $0 | 1xbase rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 1xbase rate | $0 | 1xbase rate | $0 |
| Other | $5,100 | 1xbase rate | $51 | 1xbase rate | $51 |
International traveller
A couple's basket with a quarter of the spending charged in another currency.
Assumes $36,000 of card spending a year, of which 25% is charged in a foreign currency (a scenario assumption, not measured data)
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Rewards earned | $540 | $456 |
| Annual fee | −$150 | −$599 |
| Welcome bonus | $250 | $300 |
| Net value | $640 | $157 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Rewards earned | $540 | $456 |
| Annual fee | −$150 | −$599 |
| Recurring credits | $0 | $450 |
| Net value | $390 | $307 |
Show the per-category math
| Category | Spending | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $9,000 | 2x | $180 | 1xbase rate | $90 |
| Gas & EV | $2,400 | 1xbase rate | $24 | 1xbase rate | $24 |
| Transit | $1,800 | 2x | $36 | 1xbase rate | $18 |
| Restaurants | $3,600 | 2x | $72 | 2x | $72 |
| Pharmacy | $600 | 1xbase rate | $6 | 1xbase rate | $6 |
| Travel | $1,200 | 1xbase rate | $12 | 3x | $36 |
| Bills & recurring payments | $3,000 | 1xbase rate | $30 | 1xbase rate | $30 |
| Telecom | $3,600 | 1xbase rate | $36 | 1xbase rate | $36 |
| Entertainment & streaming | $3,600 | 2x | $72 | 2x | $72 |
| Office supplies | $0 | 1xbase rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 1xbase rate | $0 | 1xbase rate | $0 |
| Other | $7,200 | 1xbase rate | $72 | 1xbase rate | $72 |
Frequent foreign spender
A deliberately aggressive scenario: half of all spending charged in another currency.
Assumes $31,800 of card spending a year, of which 50% is charged in a foreign currency (a scenario assumption, not measured data)
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Rewards earned | $459 | $399 |
| Annual fee | −$150 | −$599 |
| Welcome bonus | $250 | $300 |
| Net value | $559 | $100 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card |
|---|---|---|
| Rewards earned | $459 | $399 |
| Annual fee | −$150 | −$599 |
| Recurring credits | $0 | $450 |
| Net value | $309 | $250 |
Show the per-category math
| Category | Spending | Scotiabank Passport® Visa Infinite +* Card | Scotiabank Passport® Visa Infinite Privilege* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $6,000 | 2x | $120 | 1xbase rate | $60 |
| Gas & EV | $2,100 | 1xbase rate | $21 | 1xbase rate | $21 |
| Transit | $1,800 | 2x | $36 | 1xbase rate | $18 |
| Restaurants | $4,200 | 2x | $84 | 2x | $84 |
| Pharmacy | $600 | 1xbase rate | $6 | 1xbase rate | $6 |
| Travel | $900 | 1xbase rate | $9 | 3x | $27 |
| Bills & recurring payments | $3,000 | 1xbase rate | $30 | 1xbase rate | $30 |
| Telecom | $3,600 | 1xbase rate | $36 | 1xbase rate | $36 |
| Entertainment & streaming | $2,100 | 2x | $42 | 2x | $42 |
| Office supplies | $0 | 1xbase rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 1xbase rate | $0 | 1xbase rate | $0 |
| Other | $7,500 | 1xbase rate | $75 | 1xbase rate | $75 |
Frequently asked questions
Which costs less per year, Scotiabank Passport® Visa Infinite +* Card or Scotiabank Passport® Visa Infinite Privilege* Card?
Scotiabank Passport® Visa Infinite +* Card charges $150 a year, against $599 for Scotiabank Passport® Visa Infinite Privilege* Card.
Which is better for spending in another currency, Scotiabank Passport® Visa Infinite +* Card or Scotiabank Passport® Visa Infinite Privilege* Card?
Both charge 0% on purchases in another currency.
Which card comes out ahead, Scotiabank Passport® Visa Infinite +* Card or Scotiabank Passport® Visa Infinite Privilege* Card?
It depends on how you spend. Across the 6 spending profiles on this page, Scotiabank Passport® Visa Infinite +* Card wins 6 in year one, Scotiabank Passport® Visa Infinite Privilege* Card wins 0, and 0 are too close to call.
Do these earn rates have spending caps?
Yes — where a card caps a category, the ceiling is stated next to the rate on this page, along with what the card earns beyond it.
How we compare
- Every figure on this page is read from the card data we maintain — annual fees, foreign transaction fees, earn rates, spending caps, welcome offers, insurance and lounge access.
- Points are valued at our published valuation for each card's loyalty program. Cash back is counted at face value.
- The spending profiles are standard baskets, not your spending. The share charged in a foreign currency is a stated scenario assumption.
- Year one and the years after are kept separate: the welcome bonus and any first-year fee waiver only count in year one.
- We may earn a commission when you apply through the links on this page. It never changes the figures above — they come from the same data for every card.
Ready to apply?
Applications are submitted on the issuer's own site. Nothing you read above changes if you apply from here.
- Annual fee
- $150
- Base Rewards Rate
- 1x
- Welcome bonus
- 35,000 points
Scene+
(Up to)
Applications are submitted to Scotiabank
- Annual fee
- $599
- Base Rewards Rate
- 1x
- Welcome bonus
- 80,000 points
Scene+
(Up to)
Applications are submitted to Scotiabank