Head-to-Head: Wealthsimple Visa Infinite + vs. Scotiabank Passport Visa Infinite +

Published August 17, 2026Updated September 22, 202612 min readEditorial integrity

Credit card rewards are a fantastic way to get a little something back every time you make a purchase, whether you’re shopping for groceries or booking a hotel for a trip abroad.

Additionally, many cards offer a valuable range of perks and benefits that can improve your travel experiences, keep your purchases safe, and save you even more money.

Two travel cards, two very different philosophies. The Scotiabank Passport Visa Infinite +* Card rewards you with Scene+ points, 6 airport lounge passes, and a solid welcome bonus. The Wealthsimple Visa Infinite + Card keeps it dead simple: 2% cash back on everything, no foreign transaction fees, no tracking required. Both skip FX fees, which alone puts them ahead of most cards in Canada. The question is which one actually fits how you spend.

ExclusiveCompare

Wealthsimple Visa Infinite+* Card

WealthsimpleCash Back

Annual fee: $240
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $500
Welcome offerInvitation-only offer (new Wealthsimple clients): extra 3% cash back (5% total) on the first $10,000 in net purchases during the 35 days after approval. The card must stay open for 180 days after the boosted period.: Up to $500 cash back

Invitation-only welcome offer: earn up to $500 cash back on your first $10,000 in purchases during the 35 days after approval, for 5% cash back (2% base + 3% boost).

Purchases in the first 35 days	Base cash back (2%)	Boost (3%)	Total cash back (5%)
$2,500	$50	$75	$125
$5,000	$100	$150	$250
$10,000	$200	$300	$500

The 3% boost only applies to the first $10,000 in net purchases during the 35 days after approval; beyond that, purchases earn the standard 2%. The card must stay open for 180 days after the boosted period.

With the Wealthsimple Visa Infinite+* Card, earn 2% cash back on all your purchases, with no categories to track and no cap.

In addition, there are no foreign exchange fees on any purchase made in a currency other than the Canadian dollar, and no annual fee if you hold more than $100,000 in assets with Wealthsimple, or if you transfer the direct deposit of an eligible payroll to Wealthsimple.

To be eligible for this card, you must have a personal income of at least $80,000 or a household income of at least $150,000.

Some travel insurance is not currently offered to Quebec residents.

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Annual Fee Waiver

The Annual Fee (“Fee”) for the Wealthsimple Visa Infinite* or Wealthsimple Visa Infinite Privilege* credit card (“Card”) is $240 and is charged monthly at $20. The monthly fee is charged when the Card is issued (regardless of activation) and is billed to the first statement and once a month thereafter, unless this Fee is waived. Waiving the Fee is a promotional offer (“Fee Waiver Offer”) and requires clients to meet specific criteria to qualify and continue having the Fee waived. The Card Fee is automatically waived for any client with a Premium or Generation status, and the Fee will continue to be waived so long as that status is maintained. The Fee Waiver Offer is also available to Core clients who direct deposit at least $4,000 per month into their Wealthsimple Chequing Account (“Chequing Account”) within the preceding 30-days. Only direct deposits classified by Payments Canada as pre-authorized transactions with transaction codes ranging from 200 to 207, 310, 311, and 318 would be considered eligible. (“Qualifying Deposit”). If a Core client doesn’t make a Qualifying Deposit, or if a Premium or Generation client cannot maintain their status and becomes a Core client without a Qualifying Deposit, the monthly fee of $20 will be added to their next statement and continue to be charged until a Qualifying Deposit is confirmed.

For residents of Quebec: The Quebec Annual Fee (“Annual Fee”) for the Wealthsimple Visa Infinite* or Wealthsimple Visa Infinite Privilege* credit card is $240 and is charged when the Card is issued (regardless of activation) and is billed to the first statement and once a year thereafter. Waiving the Fee is a promotional offer (“Quebec Fee Waiver Offer”) and requires clients to meet specific criteria to qualify. The Annual Fee is automatically waived for any client with Premium or Generation status at the time the Card is issued. If a Core client obtains Premium or Generation status after the Annual Fee has been applied, a prorated refund will be issued for the number of months remaining in the current twelve (12) month period, which starts on the anniversary of the Card issuance date (“Card Year”) from the month eligibility is obtained ($20 per month). The Quebec Fee Waiver Offer is also available to Core clients who direct deposit at least $4,000 per month into their Chequing Account within the 30-days preceding the time the Card is issued. Only direct deposits classified by Payments Canada as pre-authorized transactions with transaction codes ranging from 200 to 207, 310, 311, and 318 would be considered eligible. (“Qualifying Deposit”). If a Core client starts making Qualifying Deposits after the Annual Fee has been applied, a prorated refund will be issued for the number of months remaining in the current Card Year from the month eligibility is obtained ($20 per month).

Credit Card Rewards (Cashback Offer)

The cash back promotional offer (“Cashback Offer”) is valid for new and existing users of the Card. The 2% earn rate, which may be subject to change, applies to purchases, excluding cash-like transactions, refunds, any applicable fees and adjustments (“Qualified Spend”). Cash back credits are earned on Qualified Spend only. You may redeem your cash back as soon as the Qualified Spend transaction is settled or up to 10 years after the Qualified Spend transaction is settled. Cash back can be redeemed directly in the app. Cash back can only be deposited into your Wealthsimple chequing, TFSA, RRSP, or non-registered accounts. There is no minimum amount needed to redeem. If a refund is processed after the Cash back credit is redeemed, the amount will be deducted from your rewards balance.

General Terms and Conditions

Wealthsimple Payments Inc. (“Wealthsimple”) reserves the right to amend, withdraw or restrict the Fee Waiver Offer or the Cashback Offer at any time without notice. Wealthsimple is the sole arbiter of these rules, the eligibility criteria, and any other issue arising in connection with the Fee Waiver Offer or the Cashback Offer. If Wealthsimple suspects fraud or abuse, system manipulation, or a violation of these terms, Wealthsimple reserves the right to remove all promotions from the Wealthsimple account in question and take any other action it deems appropriate, including the termination of the card in question. An invitation to participate in the Fee Waiver Offer or the Cashback Offer does not constitute a guarantee that the recommended person will be accepted as a Wealthsimple client. The Fee Waiver Offer and the Cashback Offer are only available to individuals residing in Canada who meet Wealthsimple’s eligibility criteria. The Wealthsimple Visa Infinite +* Credit Card is issued under license by Wealthsimple Payments Inc. * Trademark of Visa Int., used under license.

Wealthsimple is not responsible for maintaining the accuracy of information on this website. Refer to Wealthsimple’s page for more details.

Terms and conditions apply. For the latest product details, please visit Wealthsimple.com.

Annual fee

Primary card$240

Additional card$0

Annual income required

Individual$80,000

Household$150,000

Conversion fees

Earning rate

2xAll spending

Value

1st Year Value$300

2nd Year Value$240

Travel insurance

Travel medical (under 55)Up to $1,000,000 / 14 days

Travel medical (55-64)Up to $1,000,000 / 14 days

Trip CancellationUp to $1,000

Trip InterruptionUp to $1,000

Delayed BaggageUp to $500

Lost BaggageUp to $750

Flight DelayUp to $1,000

Purchase protection

Purchase ProtectionUp to $1,000 / 90 days

Extended Warranty+1 years

Mobile DeviceUp to $1,000

Compare

Scotiabank Passport^® Visa Infinite +* Card

Scotiabank Scene+

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

With this welcome offer for the Scotiabank Passport^® Visa Infinite^+* Card, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three months.

Plus, every year, earn an annual bonus of at least 10,000 Scene+ points when you charge at least $40,000 in purchases to your account. In total, the offer represents up to 35,000 Scene+ points and a value of up to $1,250 in the first year, including rewards, savings on foreign transaction fees and airport lounge access.

With the Scotiabank Passport Visa Infinite +* Card, you earn 3 points per $1 spent at Sobeys, IGA, Safeway, Foodland and participating Co-ops, and 2 points per $1 spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per $1 on all your other everyday purchases.

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

The Scotiabank Passport Visa Infinite +* Card also offers:

No fees for foreign currency transactions
6 complimentary airport VIP lounge passes
Excellent insurance for your travels and purchases
Visa Infinite* Concierge Services

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* The potential value of savings and rewards during the first 12 months includes the value of the welcome offer, the potential value of points earned in the first year, the value of savings on foreign currency transaction fees and the cost of airport lounge access as of May 22, 2026:

$250 in travel rewards (25,000 bonus Scene+ points) for new Scotiabank Passport^® Visa Infinite +* Cardholders who charge $2,000 in purchases to their account within the first three (3) months;

$100 in travel rewards (10,000 bonus Scene+ points) for cardholders who charge $40,000 in purchases to their account;

$50 in savings from the annual fee waiver on the first additional card for new Scotiabank Passport Visa Infinite +* Card credit card account holders;

$132 in savings on foreign currency transaction fees based on the average amount of foreign currency purchases made per active account over the past 24 months (by saving on the 2.5% foreign currency transaction fees typically charged by other credit card issuers);

$364 representing the potential value of points earned in the first year (36,400 Scene+ points) based on the average amount of purchases made per active account over the past 24 months, assuming an average spend of 21% of purchases in categories eligible for accelerated earn rates of 2X and 3X points;

$358 representing the value of complimentary membership in the Visa Airport Companion program which includes 6 airport lounge passes (based on « Preferred » membership valued at approximately $357 CAD/$259 USD). Based on the exchange rate in effect on May 22, 2026.

Maximum potential value after the first year = $1,254 (rounded to $1,250)

The actual value of offers, savings realized and points earned will vary depending on card usage and eligibility for applicable offers. Conditions apply.

1 Offer description and conditions: The 25,000 Scene+ points offer (the « offer ») applies only to new Scotiabank Passport Visa Infinite +* Card credit card accounts (the « accounts ») opened between August 4, 2026 and November 1, 2026 (regardless of the date you apply for the account) subject to the conditions below. The offer may be modified, cancelled or extended at any time without notice, and it cannot be combined with any other offer.

In addition, as a Scotiabank Passport Visa Infinite +* Cardholder, you are eligible for an annual bonus of 10,000 Scene+ points if you charge at least $40,000 in eligible everyday purchases to your Scotiabank Passport Visa Infinite +* Card account over the course of one year. Conditions apply; see below for more details.

Description and conditions of the 25,000 bonus Scene+ points offer: To be eligible for the 25,000 bonus Scene+ points offer (« 25,000 bonus points »), you must charge at least $2,000 in total eligible purchases to your account within the first three months following the account opening date.

Conditions for the annual 10,000 Scene+ points bonus:
As a Scotiabank Passport Visa Infinite +* Card credit cardholder, you can earn an annual bonus of at least 10,000 Scene+ points (the « annual points bonus ») if you charge at least $40,000 in eligible purchases to your account over the course of one year (12-month period). The annual period begins on the account opening date; a new period starts again every twelve months thereafter. If you replace another Scene+-eligible credit card with the Scotiabank Passport Visa Infinite +* Card (i.e., it is not a new card or an additional card), the opening date of your original account will be carried over to your new Scotiabank Passport Visa Infinite +* Card account and your annual period under this offer will begin on the next anniversary date of your original account opening. For example, if you originally opened a Scotiabank Gold American Express^® Card account on January 15, 2022 and you switch to the Scotiabank Passport Visa Infinite +* Card on July 15, 2025, your annual period under the 10,000 Scene+ points annual bonus offer will begin on January 15, 2026 (your next anniversary date) and a new period will start again on January 15 each year thereafter. You will earn 2,000 bonus Scene+ points for each additional $10,000 in purchases made during the same year once you have reached the $40,000 annual purchase threshold.

Eligible purchases means purchases, less refunds, returns and any other similar credits, and excludes payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, as well as card fees and other fees.

Fulfillment of the annual points bonus: Bonus points will be credited within approximately eight weeks after you become eligible for a bonus, provided the account is open and in good standing. In the case of a joint account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 25,000 bonus points and the annual points bonus will be credited to the Scene+ account linked to the account of the borrower who made the transaction that reached the eligible purchase threshold ($2,000, or $40,000) within the appropriate timeframe (the first three months, or the first 12 months). If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 25,000 bonus points, or the annual points bonus, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. It is possible to transfer points between the Scene+ accounts of a primary borrower, a co-borrower or an additional cardholder by contacting Scene+. An account is in good standing if it is not past due, there is no over-limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the account. All other program conditions continue to apply during the offer period.

Offer eligibility and exclusions: You cannot take advantage of the offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or have been one in the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, small business credit cardholders are eligible for this offer.

Rates and fees: The annual fees are $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to joint account holders and additional cardholders). The preferred annual interest rates applicable to the account are as follows: 20.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). The rates, fees, and features and benefits, which are described in the disclosure statement accompanying the application, may be changed.

Savings at Shell

Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 3 cents per litre in Scene+ points value with an eligible Scotiabank Passport Visa Infinite + card linked to a Shell Go+ Account:

Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on purchases of V-Power^® gasoline, or V-Power^® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.
Earn up to 3 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 1 Scene+ point per $1 spent. Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 3 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

Note: Highest value of 10 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Passport Visa Infinite + Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.

Additional 3¢/L at Shell (limited time)

Additional 3¢/L Fuel Discount Offer: Offer valid from October 5, 2026 to December 31, 2026 (“Promotional Period”), eligible Scotiabank credit and debit cardholders enrolled in the Shell Fuel Benefits Program who have linked an eligible Scotiabank payment card (an “Eligible Card”) to their Shell Go+ account will receive an additional instant fuel discount of 3 cents per litre on eligible fuel purchases at participating Shell-branded retail locations in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, and the Northwest Territories (the “Eligible Provinces”) excluding Shell Flying J locations. Fuel purchases made outside the Eligible Provinces are not eligible for this offer.

To receive the additional fuel discount, customers must pay with their linked Eligible Card at the time of purchase.

The additional fuel discount is in addition to the fuel savings available through the Shell Fuel Benefits Program and may be combined with other eligible fuel discounts, rewards programs, and promotional fuel offers unless otherwise stated in the applicable offer terms and conditions.

The additional fuel discount is available on up to 1,000 litres of eligible fuel purchases per calendar month for each Eligible Card. The 1,000-litre limit resets at the beginning of each calendar month.

The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.

Participation in the Shell Fuel Benefits Program is subject to the applicable program terms and conditions available at Scotiabank Fuel Benefit Terms and Conditions.

Shell Canada reserves the right to make changes to this offer and to terminate the offer at any time, for any reason and without notice.

All other applicable terms and conditions of the Shell Fuel Benefits Program, Shell Go+ and Scotiabank continue to apply.

Annual fee

Primary card$150

Additional card$0

Annual income required

Individual$60,000

Household$100,000

Conversion fees

Earning rate

3xWith the partner brand
2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending

Value

1st Year Value$604

2nd Year Value$397

Card benefits

Concierge service24/7

Airport lounge access$240

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 25 days

Travel medical (55-64)Up to $2,000,000 / 25 days

Travel medical (65+)Up to $2,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 48 days

In this head-to-head, we’ll look at how these two cards, earning different styles of rewards, compare to one another across the following 6 categories:

Welcome Bonus
Minimum Income Requirement
Annual Fee
Earning Rewards
Redeeming Rewards
Perks and Benefits

Welcome Bonus

To begin our comparison, we’ll look at the welcome bonus offered by each of these credit cards since these are often a way to jumpstart your rewards account balance.

Wealthsimple Visa Infinite + Card

In terms of welcome offers, the Wealthsimple Visa Infinite + Card has an exclusive welcome offer.

With this offer, new cardholders earn an extra 3% cash back (5% total) on the first $10,000 in purchases during the 30 days after approval, for up to $500 cash back. The card must stay open for 180 days after the boosted period. Also note that the Wealthsimple card is fairly recent and only available in limited quantities: even if you meet the requirements, you might not get it.

Comparatif : Carte Visa Infinite Passeport + Banque Scotia vs Carte Mastercard BMO AIR MILES World Elite - Carte Visa Infinite +* Passeportᴹᴰ Banque Scotia

Scotiabank Passport Visa Infinite +* Card

On the other side of this comparison, the Scotiabank Passport Visa Infinite +* Card typically provides a strong welcome offer to new cardholders.

The current offer applies to accounts opened between August 4 and November 1, 2026, and gives up to 35,000 bonus Scene+ points, broken down as follows:

Earn 25,000 Scene+ points after spending $2,000 in the first 3 months as a cardholder
Earn an annual bonus of 10,000 Scene+ points if you spend at least $40,000 on the card annually

Advantage: Scotiabank Passport Visa Infinite +*

For this first category, we’re crowning the Scotiabank Passport Visa Infinite +* Card as the winner since it offers new cardholders the chance to earn up to 35,000 Scene+ points, which are worth upwards of $350 when redeemed for travel, groceries, and more.

Comparatively, the Wealthsimple Visa Infinite + Card earns up to $500 cash back (5% on $10,000 in purchases in 30 days) with its exclusive welcome offer. To see how the Passport stacks up against another major travel rival, check out our head-to-head comparison between the RBC Avion Visa Infinite Card and the Scotiabank Passport Visa Infinite Card.

Minimum Income

Wealthsimple Visa Infinite + Card

The minimum income requirements for the Wealthsimple Visa Infinite + Card are as follows:

$80,000 personal income, or
$150,000 household income
Plus: Canadian resident of the age of majority, with an active Wealthsimple Chequing Account

Scotiabank Passport Visa Infinite +* Card

The Scotiabank Passport Visa Infinite +* Card has the following minimum income requirements:

$60,000 personal income, or
$100,000 household income, or
$250,000 in assets under management

Advantage: Scotiabank Passport Visa Infinite +*

On minimum income, Scotiabank casts a wider net. It asks for $60,000 in personal income or $100,000 for the household, versus $80,000 and $150,000 at Wealthsimple. That $20,000 gap in personal income shuts out some applicants who would otherwise qualify for a Visa Infinite card. Scotiabank also accepts applicants with $250,000 in assets under management, while Wealthsimple offers no asset-based path for this card: the income requirement is the only way in.

Annual Fee

Wealthsimple Visa Infinite + Card

The annual fee for the Wealthsimple Visa Infinite + Card comes to $240/year. Wealthsimple charges $20 per month to cardholders with less than $100,000 in individual assets. Quebec clients are billed annually instead of monthly. Additional cards are free.

Notably, this fee can be waived if you have assets of at least $100,000 with Wealthsimple or have at least $4,000 in qualifying direct deposits going into your Wealthsimple Chequing Account each month.

Scotiabank Passport Visa Infinite +* Card

The annual fee for the Scotiabank Passport Visa Infinite +* Card is $150, and how much you actually pay depends on your Scotiabank chequing account: the Ultimate Package chequing account or the Essential Package chequing account.

The Ultimate Package permanently waives the annual fee through a rebate of up to $150. The Essential Package doesn’t waive it: it gives a $40 rebate, starting on the first anniversary date after June 22, 2026, provided you made at least $15,000 in eligible purchases on the card over the previous 12 statement periods. The first additional card is free; the others cost $50 per year.

Advantage: Scotiabank Passport Visa Infinite +*

We think that the Scotiabank Passport Visa Infinite +* Card is the winner of this category since it comes with a lower annual fee of $150 (versus the $240 fee requested by the Wealthsimple Visa Infinite + Card), and an Ultimate Package is enough to waive it completely, whereas Wealthsimple requires $100,000 in assets or $4,000 in monthly direct deposits.

That said, if you meet the requirements to have the annual fee waived on the Wealthsimple card, then this category would certainly be a tie.

Earning Points

The Wealthsimple Visa Infinite + Card and the Scotiabank Passport Visa Infinite +* Card earn two different reward types: cash back and Scene+ points.

Depending on your preferences for rewards, each of these options has a lot of potential value, so let’s take a look at each program to see what we can expect from spending with these cards.

Wealthsimple Visa Infinite + Card

With the Wealthsimple Visa Infinite + Card, you earn a base rate of 2% cash back on all your purchases.

Additionally, Wealthsimple has partnered with a rotating lineup of merchants to offer boosted cash back on top of that base rate.

The boost amount varies by partner and is shown in the app when you activate an offer. Current partners include:

Walmart
Chewy
Audible
Hotels.com
Gap
Aesop
Sonos
Patagonia
Dyson

Plus, accessing your earned cash back is easy since it’s automatically deposited into your Wealthsimple Chequing Account every month.

Scotiabank Passport Visa Infinite +* Card

For those with the Scotiabank Passport Visa Infinite +* Card, you can earn up to 4 Scene+ points per $1 spent:

Category	Points
Flights, hotels and car rentals booked through Scene+ Travel, Powered by Expedia	4
Sobeys, Safeway, Foodland, participating IGA, and more	3
Dining out and eligible entertainment and transit purchases	2
Everything else	1

Given that Scene+ points can be redeemed for 1 cent each, these earning rates represent a 4%, 3%, 2%, and 1% return, respectively.

Draw

For the earning category, we think that both cards are pretty well matched.

With the Wealthsimple Visa Infinite + Card earning cash back and the Scotiabank Passport Visa Infinite +* Card earning Scene+ points, we can compare the value of their earning rates to see how they stack up.

Since Scene+ points are generally worth 1 cent each, the earning rates with the Scotiabank card are worth upwards of 4%, 3%, 2%, and 1%. Comparing this to the 2% base earning rate of the Wealthsimple card, plus its potential for cash back rates as high as 10%, the Scotia card pulls ahead for dedicated Sobeys shoppers and travellers who consistently book through Scene+ Travel. For everyone else, Wealthsimple’s earning rate is simply higher on most of what they actually buy.

Redeeming Points

As we mentioned in the earlier sections, the Wealthsimple Visa Infinite + Card and the Scotiabank Passport Visa Infinite +* Card each have different reward types, with one earning cash back and the other earning Scene+ points.

Given this, there’s certain to be a difference in how cardholders can access and enjoy their accumulated rewards, so let’s see how this plays out.

Wealthsimple Visa Infinite + Card

Redeeming the cash back earned with your Wealthsimple Visa Infinite + Card is incredibly easy since you actually don’t have to do anything at all.

As part of having the Wealthsimple Visa Infinite + Card, you’re required to also sign up for a Wealthsimple Chequing Account, and you have full control over when and how you redeem your cash back. You can transfer it at any time to any of your Wealthsimple accounts, for maximum flexibility.

Scotiabank Passport Visa Infinite +* Card

Redeeming with the Scotiabank Passport Visa Infinite +* Card is a bit more complicated, but for this effort, you get to enjoy several different redemption options.

Once you’ve accumulated some Scene+ points, you can redeem them in the following ways:

Travel booked through Scene+ Travel by Expedia (1 cent per point)
Statement credits for travel purchases made in the last 12 months (1 cent per point)
Credit for groceries, dining, entertainment and more at eligible merchants (1 cent per point)
Gift cards (~0.75 cents per point: up to 1 cent per point at Scene+ partner stores like Sobeys, less for other retailers)
Credit card statements (0.67 cents per point)

Draw

With the redemption category, it’s a bit difficult to choose a winner since a lot of it comes down to personal preference.

On the one hand, cash back is wonderfully straightforward (I mean, who doesn’t like a cash bonus to lower their expenses each month?), but on the other hand, Scene+ lets you pick and choose and change where you redeem, and it lets you save up for bigger redemptions and enjoy travel without ever exchanging actual money.

As noted above, Scene+ points can typically be redeemed for 1 cent each, giving the Scotiabank card the higher, consistent earning rate. That said, Wealthsimple’s earning rate of 2% is comparable to the Scotiabank card’s rate on everything except for eligible groceries and travel expenses.

Additionally, Wealthsimple's boosted cash back at select merchants is a compelling extra, and the lineup of eligible merchants rotates over time, so it's worth checking the app regularly.

All this is to say that we’re calling this category a draw since both cards offer similar redemption value, and the best card is ultimately whichever one earns the rewards you prefer to redeem.

Perks and Benefits

Wealthsimple Visa Infinite + Card

The Wealthsimple Visa Infinite + Card offers cardholders the following perks:

No FX fees
Comprehensive travel insurance, including emergency medical insurance, trip cancellation insurance, and delayed/lost baggage insurance
Mobile device insurance
Purchase protection insurance
Extended warranty
and more

Scotiabank Passport Visa Infinite +* Card

With the Scotiabank Passport Visa Infinite +* Card, you can enjoy the following perks:

No FX fees (save 2.5% on foreign currency transactions)
6 complimentary airport lounge passes (with DragonPass and Visa Airport Companion)
Extensive travel insurance coverage
Discounts on Avis car rentals
Purchase security and extended warranty
and more

Advantage: Scotiabank Passport Visa Infinite +*

In terms of perks and benefits, we find that both of these cards are excellent and also very similar.

With both the Wealthsimple Visa Infinite + Card and the Scotiabank Passport Visa Infinite +* Card, we’re especially fond of the no-FX-fees feature since this is quite rare with Canadian cards, and it can save you a nice chunk of money when travelling.

However, we think the Scotiabank card comes out just ahead in this category thanks to its additional offer of 6 complimentary airport lounge passes. Not only are these wonderful to have when travelling, but they also represent considerable value and are fairly rare for a Visa Infinite card.

Bottom Line

Now that we’ve made it through all 6 of our comparison categories, it’s time to sort out which card is the ultimate winner: the Wealthsimple Visa Infinite + Card or the Scotiabank Passport Visa Infinite +* Card.

We love that both cards offer no FX fees, travel insurance, and other similar perks. But, from a competition standpoint and for most Canadians, the Scotiabank Passport Visa Infinite +* Card is the stronger pick. The welcome bonus alone can be worth $350, the annual fee is $90 lower, and 6 complimentary airport lounge passes add tangible travel value. If you already spend heavily at Sobeys-banner grocers, the 3x earn rate seals the deal.

On the other side of the battle, we're fans of Wealthsimple's no-fuss rewards system, letting you earn 2% across the board, plus boosted cash back at rotating partner merchants. The Wealthsimple Visa Infinite + Card earns its place for

Since both the Wealthsimple Visa Infinite + Card and the Scotiabank Passport Visa Infinite +* Card are valuable cards with similar features and earn rates, you just need to decide if you prefer cash back or Scene+ points, and you’re ready to start earning!

ExclusiveCompare

Wealthsimple Visa Infinite+* Card

WealthsimpleCash Back

Annual fee: $240
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $500
Welcome offerInvitation-only offer (new Wealthsimple clients): extra 3% cash back (5% total) on the first $10,000 in net purchases during the 35 days after approval. The card must stay open for 180 days after the boosted period.: Up to $500 cash back

Invitation-only welcome offer: earn up to $500 cash back on your first $10,000 in purchases during the 35 days after approval, for 5% cash back (2% base + 3% boost).

Purchases in the first 35 days	Base cash back (2%)	Boost (3%)	Total cash back (5%)
$2,500	$50	$75	$125
$5,000	$100	$150	$250
$10,000	$200	$300	$500

With the Wealthsimple Visa Infinite+* Card, earn 2% cash back on all your purchases, with no categories to track and no cap.

To be eligible for this card, you must have a personal income of at least $80,000 or a household income of at least $150,000.

Some travel insurance is not currently offered to Quebec residents.

Legal

Annual Fee Waiver

Credit Card Rewards (Cashback Offer)

General Terms and Conditions

Wealthsimple is not responsible for maintaining the accuracy of information on this website. Refer to Wealthsimple’s page for more details.

Terms and conditions apply. For the latest product details, please visit Wealthsimple.com.

Annual fee

Primary card$240

Additional card$0

Annual income required

Individual$80,000

Household$150,000

Conversion fees

Earning rate

2xAll spending

Value

1st Year Value$300

2nd Year Value$240

Travel insurance

Travel medical (under 55)Up to $1,000,000 / 14 days

Travel medical (55-64)Up to $1,000,000 / 14 days

Trip CancellationUp to $1,000

Trip InterruptionUp to $1,000

Delayed BaggageUp to $500

Lost BaggageUp to $750

Flight DelayUp to $1,000

Purchase protection

Purchase ProtectionUp to $1,000 / 90 days

Extended Warranty+1 years

Mobile DeviceUp to $1,000

Compare

Scotiabank Passport^® Visa Infinite +* Card

Scotiabank Scene+

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

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

The Scotiabank Passport Visa Infinite +* Card also offers:

No fees for foreign currency transactions
6 complimentary airport VIP lounge passes
Excellent insurance for your travels and purchases
Visa Infinite* Concierge Services

Legal

$250 in travel rewards (25,000 bonus Scene+ points) for new Scotiabank Passport^® Visa Infinite +* Cardholders who charge $2,000 in purchases to their account within the first three (3) months;

$100 in travel rewards (10,000 bonus Scene+ points) for cardholders who charge $40,000 in purchases to their account;

$50 in savings from the annual fee waiver on the first additional card for new Scotiabank Passport Visa Infinite +* Card credit card account holders;

Maximum potential value after the first year = $1,254 (rounded to $1,250)

The actual value of offers, savings realized and points earned will vary depending on card usage and eligibility for applicable offers. Conditions apply.

Savings at Shell

Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on purchases of V-Power^® gasoline, or V-Power^® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.
Earn up to 3 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 1 Scene+ point per $1 spent. Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 3 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

Additional 3¢/L at Shell (limited time)

To receive the additional fuel discount, customers must pay with their linked Eligible Card at the time of purchase.

The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.

Participation in the Shell Fuel Benefits Program is subject to the applicable program terms and conditions available at Scotiabank Fuel Benefit Terms and Conditions.

Shell Canada reserves the right to make changes to this offer and to terminate the offer at any time, for any reason and without notice.

All other applicable terms and conditions of the Shell Fuel Benefits Program, Shell Go+ and Scotiabank continue to apply.

Annual fee

Primary card$150

Additional card$0

Annual income required

Individual$60,000

Household$100,000

Conversion fees

Earning rate

3xWith the partner brand
2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending

Value

1st Year Value$604

2nd Year Value$397

Card benefits

Concierge service24/7

Airport lounge access$240

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 25 days

Travel medical (55-64)Up to $2,000,000 / 25 days

Travel medical (65+)Up to $2,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 48 days

Wealthsimple vs. Scotiabank Passport Visa Infinite +: Frequently Asked Questions

Which card is better: Wealthsimple Visa Infinite + or Scotiabank Passport Visa Infinite +*?

It depends on the rewards you prefer. The Scotiabank Passport Visa Infinite +* Card wins on welcome bonus, annual fee, and airport lounge access. The Wealthsimple Visa Infinite + Card is the stronger pick if you want simple, automatic cash back at a flat 2% rate with no tracking required.

Does the Wealthsimple Visa Infinite + Card charge foreign transaction fees?

No. The Wealthsimple Visa Infinite + Card charges no foreign transaction fees, making it a solid option for Canadians who travel or shop in foreign currencies.

Does the Scotiabank Passport Visa Infinite +* Card charge foreign transaction fees?

No. The Scotiabank Passport Visa Infinite +* Card waives the standard 2.5% foreign transaction fee, which is one of its standout perks for travellers.

Can the annual fee be waived on either card?

Yes on both cards. The Wealthsimple Visa Infinite + Card waives its $240 annual fee if you hold $100,000 in assets with Wealthsimple or make $4,000/month in qualifying direct deposits. The Scotiabank Passport Visa Infinite +* Card waives it with an Ultimate Package chequing account, which gives a permanent rebate of up to $150. The Essential Package only gives a $40 rebate, conditional on $15,000 in eligible purchases in the year.

What is the minimum income to qualify for these cards?

No, they differ. The Scotiabank Passport Visa Infinite +* Card requires a personal income of $60,000, a household income of $100,000, or $250,000 in assets under management. The Wealthsimple Visa Infinite + Card requires a personal income of $80,000 or a household income of $150,000, plus an active Wealthsimple Chequing Account.

How do Scene+ points work with the Scotiabank Passport Visa Infinite +* Card?

Scene+ points are generally worth 1 cent each. With the Scotiabank Passport Visa Infinite +* Card, you earn up to 4 points per $1 on travel booked through Scene+ Travel, 3 points at Sobeys-affiliated grocers, 2 points on dining, transit, and entertainment, and 1 point everywhere else. Points redeem for travel, groceries, dining, gift cards, or statement credits.

Does the Scotiabank Passport Visa Infinite +* Card include airport lounge access?

Yes. The Scotiabank Passport Visa Infinite +* Card includes 6 complimentary airport lounge passes per year through DragonPass and the Visa Airport Companion program, a perk the Wealthsimple Visa Infinite + Card does not offer.

Is the Wealthsimple Visa Infinite + Card available to everyone?

Not yet. The Wealthsimple Visa Infinite + Card is a newer product available in limited quantities: even if you meet the eligibility requirements, you might not get it. An exclusive welcome offer is available: up to $500 cash back on $10,000 in purchases in the first 30 days.

Our featured card

Compare

Scotiabank Passport^® Visa Infinite +* Card

Scotiabank Scene+

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

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

The Scotiabank Passport Visa Infinite +* Card also offers:

No fees for foreign currency transactions
6 complimentary airport VIP lounge passes
Excellent insurance for your travels and purchases
Visa Infinite* Concierge Services

Legal

$250 in travel rewards (25,000 bonus Scene+ points) for new Scotiabank Passport^® Visa Infinite +* Cardholders who charge $2,000 in purchases to their account within the first three (3) months;

$100 in travel rewards (10,000 bonus Scene+ points) for cardholders who charge $40,000 in purchases to their account;

$50 in savings from the annual fee waiver on the first additional card for new Scotiabank Passport Visa Infinite +* Card credit card account holders;

Maximum potential value after the first year = $1,254 (rounded to $1,250)

The actual value of offers, savings realized and points earned will vary depending on card usage and eligibility for applicable offers. Conditions apply.

Savings at Shell

Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on purchases of V-Power^® gasoline, or V-Power^® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.
Earn up to 3 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 1 Scene+ point per $1 spent. Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 3 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

Additional 3¢/L at Shell (limited time)

To receive the additional fuel discount, customers must pay with their linked Eligible Card at the time of purchase.

The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.

Participation in the Shell Fuel Benefits Program is subject to the applicable program terms and conditions available at Scotiabank Fuel Benefit Terms and Conditions.

Shell Canada reserves the right to make changes to this offer and to terminate the offer at any time, for any reason and without notice.

All other applicable terms and conditions of the Shell Fuel Benefits Program, Shell Go+ and Scotiabank continue to apply.

Annual fee

Primary card$150

Additional card$0

Annual income required

Individual$60,000

Household$100,000

Conversion fees

Earning rate

3xWith the partner brand
2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending

Value

1st Year Value$604

2nd Year Value$397

Card benefits

Concierge service24/7

Airport lounge access$240

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 25 days

Travel medical (55-64)Up to $2,000,000 / 25 days

Travel medical (65+)Up to $2,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 48 days

Our editorial integrity

Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.

Comments from our members

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Credit card rewards are a fantastic way to get a little something back every time you make a purchase, whether you’re shopping for groceries or booking a hotel for a trip abroad.

Additionally, many cards offer a valuable range of perks and benefits that can improve your travel experiences, keep your purchases safe, and save you even more money.

ExclusiveCompare

Wealthsimple Visa Infinite+* Card

WealthsimpleCash Back

Annual fee: $240
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $500
Welcome offerInvitation-only offer (new Wealthsimple clients): extra 3% cash back (5% total) on the first $10,000 in net purchases during the 35 days after approval. The card must stay open for 180 days after the boosted period.: Up to $500 cash back

Invitation-only welcome offer: earn up to $500 cash back on your first $10,000 in purchases during the 35 days after approval, for 5% cash back (2% base + 3% boost).

Purchases in the first 35 days	Base cash back (2%)	Boost (3%)	Total cash back (5%)
$2,500	$50	$75	$125
$5,000	$100	$150	$250
$10,000	$200	$300	$500

With the Wealthsimple Visa Infinite+* Card, earn 2% cash back on all your purchases, with no categories to track and no cap.

To be eligible for this card, you must have a personal income of at least $80,000 or a household income of at least $150,000.

Some travel insurance is not currently offered to Quebec residents.

Legal

Annual Fee Waiver

Credit Card Rewards (Cashback Offer)

General Terms and Conditions

Wealthsimple is not responsible for maintaining the accuracy of information on this website. Refer to Wealthsimple’s page for more details.

Terms and conditions apply. For the latest product details, please visit Wealthsimple.com.

Annual fee

Primary card$240

Additional card$0

Annual income required

Individual$80,000

Household$150,000

Conversion fees

Earning rate

2xAll spending

Value

1st Year Value$300

2nd Year Value$240

Travel insurance

Travel medical (under 55)Up to $1,000,000 / 14 days

Travel medical (55-64)Up to $1,000,000 / 14 days

Trip CancellationUp to $1,000

Trip InterruptionUp to $1,000

Delayed BaggageUp to $500

Lost BaggageUp to $750

Flight DelayUp to $1,000

Purchase protection

Purchase ProtectionUp to $1,000 / 90 days

Extended Warranty+1 years

Mobile DeviceUp to $1,000

Compare

Scotiabank Passport^® Visa Infinite +* Card

Scotiabank Scene+

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

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

The Scotiabank Passport Visa Infinite +* Card also offers:

No fees for foreign currency transactions
6 complimentary airport VIP lounge passes
Excellent insurance for your travels and purchases
Visa Infinite* Concierge Services

Legal

$250 in travel rewards (25,000 bonus Scene+ points) for new Scotiabank Passport^® Visa Infinite +* Cardholders who charge $2,000 in purchases to their account within the first three (3) months;

$100 in travel rewards (10,000 bonus Scene+ points) for cardholders who charge $40,000 in purchases to their account;

$50 in savings from the annual fee waiver on the first additional card for new Scotiabank Passport Visa Infinite +* Card credit card account holders;

Maximum potential value after the first year = $1,254 (rounded to $1,250)

The actual value of offers, savings realized and points earned will vary depending on card usage and eligibility for applicable offers. Conditions apply.

Savings at Shell

Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on purchases of V-Power^® gasoline, or V-Power^® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.
Earn up to 3 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 1 Scene+ point per $1 spent. Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 3 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

Additional 3¢/L at Shell (limited time)

To receive the additional fuel discount, customers must pay with their linked Eligible Card at the time of purchase.

The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.

Participation in the Shell Fuel Benefits Program is subject to the applicable program terms and conditions available at Scotiabank Fuel Benefit Terms and Conditions.

Shell Canada reserves the right to make changes to this offer and to terminate the offer at any time, for any reason and without notice.

All other applicable terms and conditions of the Shell Fuel Benefits Program, Shell Go+ and Scotiabank continue to apply.

Annual fee

Primary card$150

Additional card$0

Annual income required

Individual$60,000

Household$100,000

Conversion fees

Earning rate

3xWith the partner brand
2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending

Value

1st Year Value$604

2nd Year Value$397

Card benefits

Concierge service24/7

Airport lounge access$240

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 25 days

Travel medical (55-64)Up to $2,000,000 / 25 days

Travel medical (65+)Up to $2,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 48 days

In this head-to-head, we’ll look at how these two cards, earning different styles of rewards, compare to one another across the following 6 categories:

Welcome Bonus
Minimum Income Requirement
Annual Fee
Earning Rewards
Redeeming Rewards
Perks and Benefits

Welcome Bonus

To begin our comparison, we’ll look at the welcome bonus offered by each of these credit cards since these are often a way to jumpstart your rewards account balance.

Wealthsimple Visa Infinite + Card

In terms of welcome offers, the Wealthsimple Visa Infinite + Card has an exclusive welcome offer.

Scotiabank Passport Visa Infinite +* Card

On the other side of this comparison, the Scotiabank Passport Visa Infinite +* Card typically provides a strong welcome offer to new cardholders.

The current offer applies to accounts opened between August 4 and November 1, 2026, and gives up to 35,000 bonus Scene+ points, broken down as follows:

Earn 25,000 Scene+ points after spending $2,000 in the first 3 months as a cardholder
Earn an annual bonus of 10,000 Scene+ points if you spend at least $40,000 on the card annually

Advantage: Scotiabank Passport Visa Infinite +*

Minimum Income

Wealthsimple Visa Infinite + Card

The minimum income requirements for the Wealthsimple Visa Infinite + Card are as follows:

$80,000 personal income, or
$150,000 household income
Plus: Canadian resident of the age of majority, with an active Wealthsimple Chequing Account

Scotiabank Passport Visa Infinite +* Card

The Scotiabank Passport Visa Infinite +* Card has the following minimum income requirements:

$60,000 personal income, or
$100,000 household income, or
$250,000 in assets under management

Advantage: Scotiabank Passport Visa Infinite +*

Annual Fee

Wealthsimple Visa Infinite + Card

Scotiabank Passport Visa Infinite +* Card

Advantage: Scotiabank Passport Visa Infinite +*

That said, if you meet the requirements to have the annual fee waived on the Wealthsimple card, then this category would certainly be a tie.

Earning Points

The Wealthsimple Visa Infinite + Card and the Scotiabank Passport Visa Infinite +* Card earn two different reward types: cash back and Scene+ points.

Depending on your preferences for rewards, each of these options has a lot of potential value, so let’s take a look at each program to see what we can expect from spending with these cards.

Wealthsimple Visa Infinite + Card

With the Wealthsimple Visa Infinite + Card, you earn a base rate of 2% cash back on all your purchases.

Additionally, Wealthsimple has partnered with a rotating lineup of merchants to offer boosted cash back on top of that base rate.

The boost amount varies by partner and is shown in the app when you activate an offer. Current partners include:

Walmart
Chewy
Audible
Hotels.com
Gap
Aesop
Sonos
Patagonia
Dyson

Plus, accessing your earned cash back is easy since it’s automatically deposited into your Wealthsimple Chequing Account every month.

Scotiabank Passport Visa Infinite +* Card

For those with the Scotiabank Passport Visa Infinite +* Card, you can earn up to 4 Scene+ points per $1 spent:

Category	Points
Flights, hotels and car rentals booked through Scene+ Travel, Powered by Expedia	4
Sobeys, Safeway, Foodland, participating IGA, and more	3
Dining out and eligible entertainment and transit purchases	2
Everything else	1

Given that Scene+ points can be redeemed for 1 cent each, these earning rates represent a 4%, 3%, 2%, and 1% return, respectively.

Draw

For the earning category, we think that both cards are pretty well matched.

Redeeming Points

Given this, there’s certain to be a difference in how cardholders can access and enjoy their accumulated rewards, so let’s see how this plays out.

Wealthsimple Visa Infinite + Card

Redeeming the cash back earned with your Wealthsimple Visa Infinite + Card is incredibly easy since you actually don’t have to do anything at all.

Scotiabank Passport Visa Infinite +* Card

Redeeming with the Scotiabank Passport Visa Infinite +* Card is a bit more complicated, but for this effort, you get to enjoy several different redemption options.

Once you’ve accumulated some Scene+ points, you can redeem them in the following ways:

Travel booked through Scene+ Travel by Expedia (1 cent per point)
Statement credits for travel purchases made in the last 12 months (1 cent per point)
Credit for groceries, dining, entertainment and more at eligible merchants (1 cent per point)
Gift cards (~0.75 cents per point: up to 1 cent per point at Scene+ partner stores like Sobeys, less for other retailers)
Credit card statements (0.67 cents per point)

Draw

With the redemption category, it’s a bit difficult to choose a winner since a lot of it comes down to personal preference.

Additionally, Wealthsimple's boosted cash back at select merchants is a compelling extra, and the lineup of eligible merchants rotates over time, so it's worth checking the app regularly.

All this is to say that we’re calling this category a draw since both cards offer similar redemption value, and the best card is ultimately whichever one earns the rewards you prefer to redeem.

Perks and Benefits

Wealthsimple Visa Infinite + Card

The Wealthsimple Visa Infinite + Card offers cardholders the following perks:

No FX fees
Comprehensive travel insurance, including emergency medical insurance, trip cancellation insurance, and delayed/lost baggage insurance
Mobile device insurance
Purchase protection insurance
Extended warranty
and more

Scotiabank Passport Visa Infinite +* Card

With the Scotiabank Passport Visa Infinite +* Card, you can enjoy the following perks:

No FX fees (save 2.5% on foreign currency transactions)
6 complimentary airport lounge passes (with DragonPass and Visa Airport Companion)
Extensive travel insurance coverage
Discounts on Avis car rentals
Purchase security and extended warranty
and more

Advantage: Scotiabank Passport Visa Infinite +*

In terms of perks and benefits, we find that both of these cards are excellent and also very similar.

Bottom Line

ExclusiveCompare

Wealthsimple Visa Infinite+* Card

WealthsimpleCash Back

Annual fee: $240
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $500
Welcome offerInvitation-only offer (new Wealthsimple clients): extra 3% cash back (5% total) on the first $10,000 in net purchases during the 35 days after approval. The card must stay open for 180 days after the boosted period.: Up to $500 cash back

Invitation-only welcome offer: earn up to $500 cash back on your first $10,000 in purchases during the 35 days after approval, for 5% cash back (2% base + 3% boost).

Purchases in the first 35 days	Base cash back (2%)	Boost (3%)	Total cash back (5%)
$2,500	$50	$75	$125
$5,000	$100	$150	$250
$10,000	$200	$300	$500

With the Wealthsimple Visa Infinite+* Card, earn 2% cash back on all your purchases, with no categories to track and no cap.

To be eligible for this card, you must have a personal income of at least $80,000 or a household income of at least $150,000.

Some travel insurance is not currently offered to Quebec residents.

Legal

Annual Fee Waiver

Credit Card Rewards (Cashback Offer)

General Terms and Conditions

Wealthsimple is not responsible for maintaining the accuracy of information on this website. Refer to Wealthsimple’s page for more details.

Terms and conditions apply. For the latest product details, please visit Wealthsimple.com.

Annual fee

Primary card$240

Additional card$0

Annual income required

Individual$80,000

Household$150,000

Conversion fees

Earning rate

2xAll spending

Value

1st Year Value$300

2nd Year Value$240

Travel insurance

Travel medical (under 55)Up to $1,000,000 / 14 days

Travel medical (55-64)Up to $1,000,000 / 14 days

Trip CancellationUp to $1,000

Trip InterruptionUp to $1,000

Delayed BaggageUp to $500

Lost BaggageUp to $750

Flight DelayUp to $1,000

Purchase protection

Purchase ProtectionUp to $1,000 / 90 days

Extended Warranty+1 years

Mobile DeviceUp to $1,000

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Scotiabank Passport^® Visa Infinite +* Card

Scotiabank Scene+

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

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

The Scotiabank Passport Visa Infinite +* Card also offers:

No fees for foreign currency transactions
6 complimentary airport VIP lounge passes
Excellent insurance for your travels and purchases
Visa Infinite* Concierge Services

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$250 in travel rewards (25,000 bonus Scene+ points) for new Scotiabank Passport^® Visa Infinite +* Cardholders who charge $2,000 in purchases to their account within the first three (3) months;

$100 in travel rewards (10,000 bonus Scene+ points) for cardholders who charge $40,000 in purchases to their account;

$50 in savings from the annual fee waiver on the first additional card for new Scotiabank Passport Visa Infinite +* Card credit card account holders;

Maximum potential value after the first year = $1,254 (rounded to $1,250)

The actual value of offers, savings realized and points earned will vary depending on card usage and eligibility for applicable offers. Conditions apply.

Savings at Shell

Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on purchases of V-Power^® gasoline, or V-Power^® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.
Earn up to 3 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 1 Scene+ point per $1 spent. Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 3 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

Additional 3¢/L at Shell (limited time)

To receive the additional fuel discount, customers must pay with their linked Eligible Card at the time of purchase.

The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.

Participation in the Shell Fuel Benefits Program is subject to the applicable program terms and conditions available at Scotiabank Fuel Benefit Terms and Conditions.

Shell Canada reserves the right to make changes to this offer and to terminate the offer at any time, for any reason and without notice.

All other applicable terms and conditions of the Shell Fuel Benefits Program, Shell Go+ and Scotiabank continue to apply.

Annual fee

Primary card$150

Additional card$0

Annual income required

Individual$60,000

Household$100,000

Conversion fees

Earning rate

3xWith the partner brand
2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending

Value

1st Year Value$604

2nd Year Value$397

Card benefits

Concierge service24/7

Airport lounge access$240

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 25 days

Travel medical (55-64)Up to $2,000,000 / 25 days

Travel medical (65+)Up to $2,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 48 days

Wealthsimple vs. Scotiabank Passport Visa Infinite +: Frequently Asked Questions

Which card is better: Wealthsimple Visa Infinite + or Scotiabank Passport Visa Infinite +*?

Does the Wealthsimple Visa Infinite + Card charge foreign transaction fees?

No. The Wealthsimple Visa Infinite + Card charges no foreign transaction fees, making it a solid option for Canadians who travel or shop in foreign currencies.

Does the Scotiabank Passport Visa Infinite +* Card charge foreign transaction fees?

No. The Scotiabank Passport Visa Infinite +* Card waives the standard 2.5% foreign transaction fee, which is one of its standout perks for travellers.