Comparison: TD First Class Travel Visa Infinite Card vs. Scotiabank Passport™ Visa Infinite* Card
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Here are two Visa Infinite credit cards earning different types of points:
Their names are almost the same, and related to the points for cheaper travel, but their features are different. Let’s see which one is the best!
- Annual fee
- $150
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $350
- Welcome offerAfter $2,000 in 3 months
- Up to 35,000 points
- Ends Nov 1, 2026
Apply Now
on Scotiabank's website
Sponsored
- Annual feeNo annual fee the first year
- $0 $139
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$800Annual fee rebated$139Total$939Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $939
- Welcome offerAfter $7,500 in 6 months
- Up to 160,000 points
Apply Now
on TD's website
We will base our analysis on the major differences between these credit cards regarding:
Welcome Bonus
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 offer for the TD First Class Travel® Visa Infinite* Card, get up to 160,000 TD Rewards points and a first-year annual fee rebate. Here’s how:
- Welcome bonus of 20,000 TD Rewards points on your first card purchase (value up to $100);
- 140,000 TD Rewards points when you spend $7,500 within 180 days of account opening (value up to $700);
What’s more, the annual fee is fully refunded in the first year (a value of $139).
With this welcome offer for the Scotiabank Passport™ Visa Infinite* Card, you can get up to $1,250 in rewards and savings in the first year, including up to 35,000 bonus Scene+ points:
- 25,000 points after $2,000 in purchases in the first three months
- An annual bonus of at least 10,000 points each year you spend $40,000 on the card
Advantage : TD First Class Travel® Visa Infinite* Card
If you are looking for a credit card with points that are easy to accumulate quickly, the Scotiabank Passport™ Visa Infinite* Card is perfect, as you can earn 25,000 points for only $2,000 in spending within the first 3 months.
But in the long term, the TD First Class Travel® Visa Infinite* Card offers more. If a diligent person spends an average of $1,250 per month on this credit card for 6 months, they will be rewarded with their 160,000 TD Rewards points.
Earning Points
The TD First Class Travel® Visa Infinite* Card and the Scotiabank Passport™ Visa Infinite* Card each offer different point-earning rates.
Earnings Levels
Whereas with the TD First Class Travel® Visa Infinite* Cardyou accumulate :
- 8 TD Rewards points. / $1 purchase when you book withExpedia for TD;
- 6 TD Rewards points / $1 grocery and restaurant purchase (3% value) ;
- 4 TD Rewards points / $1 purchase on recurring bill payments set up in your account ;
- 2 TD Rewards points / $1 purchase on all other purchases.
Plus, every year, you’ll receive a bonus on your birthday ! This bonus gives you the equivalent of 10% of the total number of TD Rewards points accumulated in the 12 months preceding your birthday. This payment can be up to a maximum of 10,000 TD Rewards points.
With the Scotiabank Passport™ Visa Infinite* Card, you earn 3 Scene+ points per dollar (or 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 in restaurants, entertainment, grocery stores and travel
- 2 Scene+ points / $1 purchase in restaurants, entertainment, grocery stores and travel outside Canada
- 1 Scene+ point / $1 purchase on everything else
Advantage: TD First Class Travel® Visa Infinite* Card
The TD First Class Travel® Visa Infinite* Card is the best of the two! Whatever the supermarket banner, it has fewer constraints and adds 3% value to any grocery store.
In fact, it’s as high as 6.6 TD Rewards points, if you count the 10% bonus on the cardholder’s birthday.
Redeeming Points
The two cards are linked to different loyalty programs, and the ways of using them are not the same.
TD Rewards points and travel :
You can apply them to travel purchases in two ways:
- 200 points = $1 of credit on flights, hotels, car rentals and all-inclusive packages booked through Expedia for TD;
- 250 points = $1 of credit on the first $1,200 of any travel purchase you make yourself, the way you want it, with the Book Your Way option. Then, starting at $1,201 for the same trip, the rate is 200 points = $1. This can be for airline tickets, a cruise, a theme park ticket(Disney, Universal, etc.), a camping site, a hotel or Airbnb, guided tour, etc.
It can also be used to :
- Pay for purchases at Amazon.ca with Amazon Shop with points ;
- Buy gift cards;
- Buy merchandise;
- Cash back applied to the card (400 points = $1 cash back).
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 for:
- 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 tokens for Playdium ;
- At least 3,000 points for a Statement credit of between $6.67 and $8 on any card expense.
Advantage: Scotiabank Passport™ Visa Infinite* Card
The Scotiabank Passport™ Visa Infinite* Card wins this round. Scene+ points are flexible and easy to redeem, whether for grocery needs or for treating yourself when travelling.
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 hotel for a nice escapade.
Annual Fee
The TD First Class Travel® Visa Infinite* Card has an annual fee of $139. It’s charged on the first statement, and at the time of renewal.
However, for a limited time, the first year is free!
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.
If you have the Scotiabank Ultimate Package, you’ll get the annual fee waived. Learn more about this here.
Advantage : TD First Class Travel® Visa Infinite* Card
The TD First Class Travel® Visa Infinite* Card has lower annual fees.
However, with current promotions, both of these cards have their annual fees fully refunded in the first year. You can’t go wrong!
Minimum Income
The TD First Class Travel® Visa Infinite* Card requires :
- $60,000 individual income;
- or $100,000 household income.
The Scotiabank Passport™ Visa Infinite* Card requires:
- $60,000 (individual income)
- or $100,000 (household income)
Advantage: Tie
It’s all the same, because a Visa Infinite card requires the same conditions for all financial institutions.
Insurance
The TD First Class Travel® Visa Infinite* Card offers various types of insurance, and its certificate of insurance can be found here:
| Worldwide Emergency Travel Medical insurance | $ 2,000,000, age 64 and under, for 21 consecutive days |
| Baggage Delay or Loss insurance | Up to >,000 per insured person for loss of baggage. 6-hour delay. |
| Flight Delay Insurance | Up to 0, for a 4-hour delay |
| Trip Cancellation and Trip Interruption Insurance | Cancellation: Up to $1,500 per insured person Interruption: Up to $5,000 per insured person |
| Car rental insurance | Up to 48 consecutive days, up to ,000 |
| Hotel/Motel Burglary Insurance | Up to Jusqu’à 2 500 $,500 |
| Public transport accident insurance | Up to 0,000 per person |
| Purchase Insurance | 90 days |
| Mobile Device Insurance | Up to >,000 |
| Extended Warranty Insurance | Up to one additional year |
The Scotiabank Passport™ Visa Infinite* Card offers various insurances. The certificate of insurance can be found here:
| Worldwide Emergency Travel Medical insurance | $ 2,000,000 and 25 days (64 years and under) |
| Baggage Delay or Loss insurance | Up to $1,000 per trip. 4-hour delay. |
| Flight Delay Insurance | Up to $500 per insured person, within 4 hours. |
| Trip cancellation and interruption insurance | Up to $1,500 (cancellation) and $2,500 (interruption) per insured person |
| Car rental insurance | Up to 48 days, maximum of $65,000 |
| Hotel/Motel Burglary Insurance | Up to $1,000 |
| Public transport accident insurance | Up to $500,000 per insured person |
| Purchase Insurance | 90 days |
| Mobile Device Insurance | — |
| Extended Warranty Insurance | Double the warranty up to one additional year |
Advantage: Tie
Some insurance amounts on the Scotiabank Passport™ Visa Infinite* Card are slightly higher than those of its competitor for certain coverages.
Please note thatat least 75% 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.
If this is important to you, the TD First Class Travel® Visa Infinite* Card is the best, with the advantage of being the only one with mobile device insurance. This comes in handy if you have an unfortunate accident with your phone or tablet.
The Benefits
In addition to the above benefits, the TD First Class Travel® Visa Infinite* Card offers other advantages:
- Annual TD travel credit of $100 on a purchase of $500 or more (including taxes) made through Expedia for TD for an accommodation or vacation package including accommodation and transportation;
- Free Visa Airport Companion membership + 4 free lounge visits per year
- Visa Infinite privileges .
The Scotiabank Passport™ Visa Infinite* Card offers a number of advantages:
- No foreign currency conversion fees on purchases made in foreign currencies;
- 2 points per $1 spent abroad on dining, entertainment, groceries, and travel;
- 6 complimentary visits to VIP airport lounges per year;
- Earn double Scene+ points with your Scene+ membership card with their partners;
- Visa Infinite privileges .
Advantage: Scotiabank Passport™ Visa Infinite* Card
The Scotiabank Passport™ Visa Infinite* Card has a big advantage, as it lets you relax in airport VIP lounges with 6 free passes and avoids the 2.5% conversion fee outside Canada.
Conclusion
So? Which card wins this duel?
For those on a tight grocery budget, this is the place to be! TD First Class Travel® Visa Infinite* Card !
It stands out for:
- Its welcome offer up to 160,000 TD Rewards points;
- The 6 points/dollar earning rate in any grocery store (3% in return) ;
- Its annual $100 TD travel credit ;
- Bonus equal to 10% of the total number of TD Rewards points earned annually (or up to 10,000 TD Rewards points) as a gift on the cardholder’s birthday;
- Pay for your Amazon.ca purchases with TD Rewards points ;
- Its mobile device insurance.
- Annual fee
- $150
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $350
- Welcome offerAfter $2,000 in 3 months
- Up to 35,000 points
- Ends Nov 1, 2026
Apply Now
on Scotiabank's website
Sponsored
- Annual feeNo annual fee the first year
- $0 $139
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$800Annual fee rebated$139Total$939Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $939
- Welcome offerAfter $7,500 in 6 months
- Up to 160,000 points
Apply Now
on TD's website
In contrast, the Scotiabank Passport™ Visa Infinite* Card will be perfect for people who travel a lot thanks to:
- With its attractive welcome offer;
- 6 free accesses to airport lounges;
- The elimination of foreign exchange conversion charges on purchases in foreign currencies;
- To the possibilities of simply paying for groceries with your points at IGA, Sobeys, etc.
- Annual fee
- $150
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $350
- Welcome offerAfter $2,000 in 3 months
- Up to 35,000 points
- Ends Nov 1, 2026
Apply Now
on Scotiabank's website
Anyway, these are two cards that we recommend in many of our rankings:
Frequently Asked Questions about the TD First Class Travel Visa Infinite vs. Scotiabank Passport Visa Infinite comparison
Here are some frequently asked questions in the Milesopedia community about these cards.
Which card offers the best welcome bonus: TD First Class or Visa Infinite Passport?
Both cards offer comparable bonuses, but they are structured differently:
- TD First Class Travel Visa Infinite Card: up to 160,000 TD Rewards points, with the $139 annual fee rebated in the first yearScotiabank Passport Visa Infinite Card: up to 35,000 Scene+ points (~$350 in travel value through the Scene+ portal), for a total value of up to $1,250 in the first year once foreign conversion fee savings and airport lounge access are factored in; $150 annual fee rebated in the first year with the Ultimate Package
TD now has both the highest points bonus and the highest raw redemption value; the Passport narrows the gap with its foreign conversion fee savings and lounge access.
Which card is better for travelling abroad?
The Scotiabank Passport™ Visa Infinite* Card clearly leads for international travel thanks to:
- No foreign currency conversion fees (saving 2.5% on all foreign purchases)
- 6 free airport lounge visits through Priority Pass
- 2 Scene+ points per dollar on travel
The TD First Class charges the standard 2.5% foreign exchange fee and offers only 4 lounge passes per year through the Visa Airport Companion lounge program. For a frequent international traveller, the Passport quickly saves several hundred dollars in avoided fees.
What are the point multipliers for each card?
The earning structures differ significantly:
- TD First Class Travel: 6 points/$ (3%) on travel purchases booked through TD Rewards travel, 4 points/$ on recurring bill payments, 2 points/$ on all other purchases, plus a birthday bonus of 10% of points earned
- Scotiabank Passport: 3 points/$ at Empire partner grocery stores (Sobeys, IGA, FreshCo), 2 points/$ on dining/travel/entertainment, 1 point/$ everywhere else
For a household that spends a lot on recurring bills or travel, TD generates more points; for foreign purchases or Empire banner stores, the Passport is unbeatable.
Which card has the best travel insurance?
Both cards come with comprehensive travel insurance:
- TD First Class: Emergency medical insurance up to $2,000,000 (21 days if under 65), trip cancellation/interruption up to $1,500/person, flight delay, car rental
- Scotiabank Passport: Emergency medical insurance up to $1,000,000 (25 days if under 65), trip cancellation up to $1,500, baggage delay, car rental
The TD First Class offers longer medical coverage, making it the best card for extended trips or retirees.