Comparison: RBC Avion Visa Infinite Card vs. Scotiabank Passport™ Visa Infinite* Card

Scotiabank Passport™ Visa Infinite* Card offers up to 40,000 Scene+ points:

• 30,000 Scene+ points with total purchases of $1,000 or more in the first three months ( $300 value)
• 10,000 additional points with $40,000 in purchases during the first year with the card ($100 value)

What’s more, the annual fee is fully refunded in the first year (a $150 value).

When you sign up for the RBC Avion Visa Infinite Card, you’ll get up to $825 worth of :

• 35,000 Avion points on approval (no minimum purchase) ($525 value) ;
• 20,000 Avion points when you spend at least $5,000 in the first 6 months with your new card ($300 value).

With the Scotiabank Passport™ Visa Infinite* Card, you earn 3 Scene+ points per dollar (i.e. 3%) on purchases at:

• IGA
• Rachelle Béry
• Les Marchés Tradition
• Voià by IGA / Safeway / Sobeys
• Sobeys and Safeway
• Foodland and Thrifty Foods
• FreshCo and Chalo! FreshCo

Then you earn :

• 2 Scene+ points / $1 purchase at restaurants, entertainment, grocery stores and travel (2%)
• 2 Scene+ points / $1 purchase in restaurants, entertainment, grocery stores and travel outside Canada (2%)
• 1 Scene+ point / $1 purchase remainder (1%)

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:

• Airline ;
• Hotel ;
• Tour operator, cruise line or travel agency;
• Car rental company.

This has a value of 1.25%.

After that, you earn 1 point per dollar for all other purchases. This is a 1% value.

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:

• Redeem points directly when booking travel with Scene+ Travel, administered by Expedia.
• Make your own travel arrangements and use your points to pay off the balance on the card

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:

• 500 points for a $5 discount at selected restaurants (Harvey’s, Swiss Chalet, etc.);
• 100 points for $1 off movie tickets at Cineplex ;
• 500 points for $5 off food and beverages at Cineplex, Rec Room and chips at Playdium ;
• At least 3,000 points for an account credit of between $6.67 and $8 on any card charge.

With the RBC Avion Visa Infinite Card, you can apply your points to travel purchases.

The redemption rate is:

• 100 points = $1 towards purchases of your choice on the Avion Rewards website, including hotels, airline tickets, cruises, car rentals and more.

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:

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:

• 12,000 points for $100 (0.83 cent per point) on a contribution to an RRSP, TFSA, line of credit or mortgage;
• 12,000 to 14,000 points for a $100 gift card (0.71 to 0.83 cents per point) ;
• Make a donation (1 cent per point) ;
• 4,300 points = $25 (0.58 cent per point) you can apply an account credit to everyday purchases.

The Scotiabank Passport™ Visa Infinite* Card has an annual fee of $150. At the moment, there’s a promotion that refunds these costs for the first year.

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. It is rare to have an annual fee rebate promotion for this card.

The Scotiabank Passport™ Visa Infinite* Card requires :

• $60,000 (individual income)
• or $100,000 (household income)

The RBC Avion Visa Infinite Card requires :

• 60,000 individual income ;
• or $100,000 household income.

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:

The Scotiabank Passport™ Visa Infinite* Card offers a number of advantages:

• No conversion fees for purchases in foreign currencies;
• 2 points/$1 spent abroad at restaurants, for entertainment, groceries and travel ;
• 6 free accesses to VIP airport lounges per year;
• Earn double Scene+ points with your Scene+ membership card at their partners;
• Exclusive benefits for Visa Infinite cardholders.

In addition to the above benefits, the RBC Avion Visa Infinite Card offers other advantages:

• Savings of 3 cents per liter and 20% more Petro-Points and Avion points at Petro-Canada ;
• Link this card to get 50 Be Well points / $1 at Rexall ;
• Free 12-month subscription to Doordash DashPass ;
• Free deliveries with Doordash on orders of $15 or more when paid with this card;
• Tons of points offers and discounts at various retailers with RBC offers;
• Avion points can be transferred to :
  • WestJet Rewards
  • American Airlines
  • British Airways
  • Asia Miles
  • Hudson’s Bay Reward Points
• Exclusive benefits for Visa Infinite cardholders.