Which welcome bonus is bigger, the TD First Class Travel or the Scotiabank Passport?

The TD First Class Travel® Visa Infinite* Card offers a much larger headline bonus: up to 165,000 TD Rewards points (20,000 on first purchase + 145,000 after $7,500 in 180 days) plus a first-year fee waiver of $139. The Scotiabank Passport™ Visa Infinite +* Card offers up to 60,000 Scene+ points: 40,000 after $2,000 in 3 months, 10,000 at $10,000 in 6 months and 10,000 at $40,000 in 12 months, with the $150 first-year fee also waived.

Which card has the strongest grocery and dining earn rates?

The TD First Class Travel® Visa Infinite* Card dominates on category multipliers: 8 points per dollar via Expedia for TD, 6 points/$1 on groceries and restaurants, 4 points/$1 on recurring bills and 2 points/$1 on everything else. The Scotiabank Passport™ Visa Infinite +* Card earns 3 points/$1 at select grocery partners, 2 points/$1 on dining, travel and remaining groceries and 1 point/$1 elsewhere — lower multipliers but with a different perk profile.

How does the foreign transaction fee compare on these two cards?

This is a defining gap. The Scotiabank Passport™ Visa Infinite +* Card charges no foreign transaction fee, which saves the typical Canadian traveller 2.5% per USD or EUR purchase. The TD First Class Travel® Visa Infinite* Card still applies the standard 2.5% FX surcharge on every foreign-currency purchase. If a meaningful portion of your spending happens abroad or on US-billed websites, Passport is structurally cheaper to use.

Which card’s lounge access matters more for me?

The Scotiabank Passport™ Visa Infinite +* Card includes 6 complimentary airport lounge visits per year via Visa Airport Companion (DragonPass), making it the better fit for occasional flyers and snowbirds who want a familiar lounge in their winter travel hub. The TD First Class Travel® Visa Infinite* Card does not include lounge access by default and instead leans on Expedia for TD redemption and 8X earn rates as its travel pitch.