Here are two Visa Infinite credit cards that earn different types of points.
Their names are very similar! These point-connected cards both give us a passport to low-cost travel, but their characteristics are different. Let’s see which one is the best!
We will base our analysis on the major differences between these credit cards regarding :
The welcome bonus offered by each of these credit cards varies according to promotions. However, there are some important differences between the two.
With this welcome offer for the Scotiabank Passport™ Visa Infinite* Card, you can earn up to 35,000 Scene+ points:
When you sign up for the RBC Avion Visa Infinite Card, you’ll earn 55,000 Avion points, worth up to $825:
With the RBC Avion Visa Infinite Card, you earn 35,000 Avion points as soon as your credit card is approved, with no minimum spending. It’s easy!
The RBC Avion Visa Infinite Card and Scotiabank Passport™ Visa Infinite Card each offer different levels of point accumulation.
With the Scotiabank Passport™ Visa Infinite* Card, you earn 3 Scene+ points per dollar (i.e. 3%) on purchases at:
Then you earn :
The RBC Avion Visa Infinite Card has a earning of 1.25 Avion points / $1 purchase, for travel purchases charged to the card:
“Travel” expenses include the following:
This has a value of 1.25%.
After that, you earn 1 point per dollar for all other purchases. This is a 1% value.
The Scotiabank Passport™ Visa Infinite* Card is the best of the two! It pays twice as much on everyday purchases and the biggest budget items, such as groceries, entertainment, travel and restaurants.
The two cards are linked to different loyalty programs, and the ways of redeeming them are not the same.
Scene+ points and travel:
You can apply them to travel purchases in two ways, thanks to the fixed redemption rate where 10,000 points = $100 credit:
It also lets you apply your points to everyday purchases.
You can redeem 1,000 Scene+ points for a $10 discount at the IGA/Sobeys checkout.
Points can also be used to purchase gift cards on the Scotiabank/Scene+ website, from 1,000 to 1,400 points for a $10 discount.
Scene+ points can also be redeemed:
With the RBC Avion Visa Infinite Card, you can apply your points to travel purchases.
The redemption rate is:
Avion Rewards acts like a travel agency when you buy an airline ticket. There are no blackout periods or reservations imposed, even in high season. Here is the fixed number of points required for a flight reservation:
15,000 points
Flight within a province or neighbouring state. Maximum ticket price: $350
35,000 points
Fly anywhere in Canada or the United States (except Hawaii and Alaska). Maximum ticket price: $750
45,000 points
Western Canada or the United States to Mexico, Hawaii or Alaska. Eastern Canada to Bermuda, Central America or the Caribbean. Maximum ticket price: $900
55,000 points
Eastern Canada or the United States to Mexico, Hawaii or Alaska. Western Canada to Bermuda, Central America or the Caribbean. Maximum ticket price: $1,100
65,000 points
Flight from Canada or United States to Europe. Maximum ticket price: $1,300
100,000 points
Fly from Canada or United States to … anywhere in the world! Maximum ticket price: $2,000
So this equates to about 2 cents per point ($350 divided by 15,000 points) on average.
Or you can use your points for something else:
Scotiabank Passport™ Visa Infinite* Card wins this round. Scene+ points are more diversified and have a stable value of 1,000 points for $10 off, for both grocery needs or small pleasures when traveling.
What’s more, you can use them in any way you like, by booking any travel expense and then taking your Scene+ points to get reimbursed.
Earn Scene+ points all year round and buy yourself a huge grocery store for a real holiday feast. Or keep them to pay for a plane ticket or hotel.
But if you’re aiming for a plane ticket to a specific destination, the Avion Rewards fixed points chart and the RBC Avion Visa Infinite Card are the best way to go.
The Scotiabank Passport™ Visa Infinite* Card has an annual fee of $150.
And if you have a Scotiabank Ultimate Plan, you’ll get the annual fee waived. Learn more about this here.
The RBC Avion Visa Infinite Card has an annual fee of $120.
The RBC Avion Visa Infinite Card has a lower annual fee.
But if you have a Scotiabank Ultimate Package, the Scotiabank Passport™ Visa Infinite* Card wins out because its annual fee is then fully refunded.
The Scotiabank Passport™ Visa Infinite* Card requires :
The RBC Avion Visa Infinite Card requires :
It’s all the same, because a Visa Infinite card requires the same conditions for all financial institutions.
Scotiabank Passport™ Visa Infinite* Card offers a range of insurance options. The certificate of insurance can be found here:
The RBC Avion Visa Infinite Card offers various types of insurance, and its certificate of insurance can be found here:
Some RBC Avion Visa Infinite Card insurance amounts are slightly higher than those of its competitor for certain coverages.
If this is important to you, the RBC Avion Visa Infinite Card is even better, as it’s the only one between the two to have mobile device insurance. This comes in handy if you have an unfortunate accident with your phone or tablet.
Please note thatat least 75% or 100% of the cost of the trip or tickets must be charged to these two cards for certain insurances to apply. We strongly advise you to read each insurance brochure carefully, to find out which one is best for your situation.
The Scotiabank Passport™ Visa Infinite* Card offers a number of advantages:
In addition to the above benefits, the RBC Avion Visa Infinite Card offers other advantages:
The Scotiabank Passport™ Visa Infinite* Card has a big head start on travel perks, as it allows you to lounge in airport VIP lounges with 6 free accesses and avoid the 2.5% conversion fee outside Canada.
The RBC Avion Visa Infinite Card, on the other hand, offers better benefits for everyday life. What’s more, the great flexibility of its points gives you the opportunity to transfer your Avion points to other programs, something its competitor can’t do.
So? Which card wins this duel?
For those who want a simple, uncomplicated card, the RBC Avion Visa Infinite Card is for you!
It stands out for:
Opposite it, the Scotiabank Passport™ Visa Infinite* Card will be perfect for people who travel a lot thanks to:
What’s more, these are 2 cards that we recommend in several of our rankings:
Savings are here: