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Here are two Visa Infinite credit cards that earn two different kinds of points:
Their names are very similar! These points-linked cards both give us a passport to travel for less, but their features are different. Let’s see which one is better. If you’re hesitating with the CIBC Aventura® Visa Infinite* Card, our comparison between the CIBC Aventura and the Scotiabank Passport might also help you decide.
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 depending on the promotions. However, there are some important differences between the two.
With this welcome offer for the Scotiabank Passport™ Visa Infinite +* Card, you can get up to $1,500 in rewards and savings in the first year, including up to 60,000 bonus Scene+ points:
By signing up for the RBC Avion Visa Infinite Card, you can currently earn up to 70,000 points, for a value of up to $1,500:
By getting the RBC Avion Visa Infinite Card, RBC Avion Visa Infinite Card, you can get up to 70,000 Avion points (a travel value of up to $1,500). Apply by July 15, 2026.
The RBC Avion Visa Infinite Card and the Scotiabank Passport™ Visa Infinite +* Card each offer different points earning rates.
With the Scotiabank Passport™ Visa Infinite +* Card, you earn 3 Scene+ points per dollar (or 3%) on purchases at:
Then you earn:
The RBC Avion Visa Infinite Card, has a rate of 1.25 Avion points / $1 spent, 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 better of the two! It earns twice as many points on everyday purchases and major budget categories, such as groceries, entertainment, travel, and restaurants.
The two cards are linked to different loyalty programs, and the ways of redeeming them are different.
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 for:
With the RBC Avion Visa Infinite Card, you can apply your points to travel purchases.
The redemption rate is:
Avion Rewards acts as a travel agency when purchasing an airline ticket. There are no blackout periods or reservations imposed, even during 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 equals to about 2 cents per point ($350 divided by 15,000 points) on average.
Or you can use your points for something else:
The 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 travelling.
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.
Accumulate your Scene+ points throughout the year and indulge in a big grocery basket for a festive feast during the holidays. Or keep them to pay for a plane ticket or a hotel.
But if you are aiming for an airline ticket to a specific destination, the fixed points table of Avion Rewards and the RBC Avion Visa Infinite Card are the best.
The Scotiabank Passport™ Visa Infinite +* Card has an annual fee of $150.
If you have the Scotiabank Ultimate Package, 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 because its annual fee is then fully reimbursed.
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.
The Scotiabank Passport™ Visa Infinite +* Card offers various insurances. The certificate of insurance can be found here:
The RBC Avion Visa Infinite Card offers various insurances and its insurance certificate can be found here:
Some insurance amounts of the RBC Avion Visa Infinite Card are slightly higher than its competitor for certain coverages.
If this is important to you, the RBC Avion Visa Infinite Card is even better because it is 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 that at 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 various benefits:
In addition to the above benefits, the RBC Avion Visa Infinite Card offers other advantages:
Exclusive benefits for Visa Infinite cardholders.
The Scotiabank Passport™ Visa Infinite +* Card has a significant lead in travel benefits because it allows you to relax in airport VIP lounges with 6 complimentary accesses and avoid 2.5% foreign transaction fees outside of Canada.
Conversely, the RBC Avion Visa Infinite Card provides 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 people who want a simple and uncomplicated card, it’s the RBC Avion Visa Infinite Card!
It stands out for:
In contrast, 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:
Here are frequently asked questions in the milesopedia community about this card.
In terms of gross value, the RBC Avion Visa Infinite Card wins with up to 70,000 Avion points (a travel value of up to $1,500), compared to up to 60,000 Scene+ points for the Scotia Passport Visa Infinite + Card (approximately $600 in points; Scotiabank advertises up to $1,500 in total first-year value, rewards and savings included). The RBC offer only requires a single application by July 15, 2026, while the Passport requires higher spending thresholds to unlock everything.
Costs differ:
For a traveler who spends $10,000 annually in foreign currency, the absence of foreign transaction fees represents $250 in annual savings — enough to make the Scotiabank card profitable on its own.
The Scotiabank Passport Visa Infinite + clearly dominates in everyday categories:
The RBC Avion Visa Infinite only offers 1.25 points/$ on travel and 1 point/$ everywhere else. On a typical family budget ($12,000 groceries + $6,000 restaurants), Scotiabank generates ~30,000 points/year compared to ~18,000 points for the Avion.
The Scotiabank Passport Visa Infinite + is superior for travelers thanks to:
The RBC Avion retains an advantage in mobile device insurance ($1,500 vs $0) and trip interruption insurance ($5,000 vs $2,500). For a frequent traveler (3+ trips/year), Scotiabank Passport is the best single card.
Savings this way:
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