If this card offers the renter waiver insurance, I feel it is a great great saving. I was just approved for this card. Points for Credit is Different than redeeming for travel. This would make for a difference of about 3.3%, if I’m doing all of this correctly – which would definitely make it not worth using the scotiabank card. I also carry a Tangerine cash-back card and receive 2% back on groceries, restaurants and reoccurring bills (the only categories I use the Tangerine card for). I actually liked using their travel service and did it for the 25 years I’ve had the ScotiaGold Passport Visa (not the same as the infinite) because you got 5% extra back on trips booked through the service. i also like the 6 free airport lounge visits. Is the Areoplan program that much better than the Scotia rewards? I used your referral link. The Scotiabank Passport Visa Infinite is included in the Scotiabank Rewards Program. Considering other perks like joining bonus, No foreign transaction fees, Travel Credits, NEXUS rebates, Points accumulation – I am confused between Scotiabank Passport Visa Infinite and CIBC Aventura Visa Infinite That means if your flight is $1,000, you’d have to charge at least $750 to your card for your insurance to be valid. The best value out of YVR is to book via Cathay Pacific but then you need to Collect Alaskan Airlines points since Cathay is a partner. Your travel medical covers you for trips of 28 days or less if you’re under the age of 65. I was told with the TD US Credit card i would not pay the 2.5% visa fee but I would only pay the exchange rate for when I pay the card off using Canadian Dollars. That said, if you’re looking for a credit card with no forex fees and no annual fee, you may want to consider the STACK Mastercard, Rogers World Elite Mastercard or the Home Trust Preferred Visa. (If only my carshares and local transit accepted Amex!). If you can hit the $40,000 minimum each year, the 10,000 bonus points will nearly cancel out the $139 annual fee. What caught my eye right away is the fact that this card comes with six free annual airport lounge access passes with Priority Pass. How does it work with kids? When you look at all of the features the card has to offer, it’s not hard to see why it’s one of the best Scotiabank cards in Canada. Our first question is, will applying for a second credit card, the Scotiabank Passport Visa Infinite, so close to the first affect our credit? Id say it was a pretty good deal. You’re better off buying a multi-trip, yearly policy. I. Please read our, The Best USD Bank Account Options For Canadians. It can also differ per location so it’s impossible to give you a definite answer. ” Vehicles which belong to the following categories are NOT covered: I feel that if I use the lounge (my wife and I) just twice, its already pays for the fees of that year, let alone the rewards. The teller was clearly mistaken. You can also take a peek at the Brim Financial Mastercard for a no-fee card that doesn’t charge the FX markup. I agreed. It comes with signup authorization for Priority Pass. You will also receive our FREE e-Book! It does sound like a good deal with the sign-up bonus, lounge access, and travel-related extras. That way you are covered for all merchants, and you’ll have a total of 18 lounge passes. Actually if you read the fine print, only the “regular” daily purchases (grocery, entertainment, restaurant) would count towards the first $1000 in the first 3 months in order for you to get the bonus 25,000 points. Are you positive that the secondary card holder also get 6 priority pass access? A scotiabank employee has been trying for 2 days to get this list and has had no luck! I am planning to visit Europe in 4 weeks’ time and it seems that the Scotia Passport Infinite card is a good choice with NO foreign transaction fees + 6 free visit of Priority Pass lounge. I think Travel (Amex, Passport) cards aren't the same as retail cards. If you still spend a significant amount at stores where Amex isn’t accepted or you value the lounge access passes, then this card is likely worth it. We are now 10 weeks out for travel and will be paying for our resort in USD when we get there. I can confirm that you get the bonus points outside of Canada. Those 6 passes are worth more than the annual fee so you’re getting good value. Just applied for this last weekend. Posted by Enoch Omololu | Updated Dec 25, 2020. However, it’s possible that gas stations at grocery stores don’t fall under the same merchant code. I’ve narrowed down my options to Scotia Passport Visa Infinite and CIBC Aventura Visa Infinite. My main care is points to be redeemed for travel. The Scotiabank Passport Visa Infinite is a flexible travel rewards credit card that has a lot to offer, but also comes with a few drawbacks. Scotiabank’s exchange rate is truly terrible when compared directly to Mastercard or Visa. Are scotia rewards that much of a disadvantage(I dont know as I have never been able to access it, which is scary)? Is Scotiabank card a better option for me? That said, the HomeTrust card has no annual fee whereas the Scotiabank card does. He has a master's degree in Finance and Investment Management from the University of Aberdeen Business School and a passion for helping others win with their finances. 3. The sign up Bonus for the Starwood card is 75,000 MR points…but if you have the SPG card already, you can’t get the bonus points. The Scotiabank Passport Visa Infinite Business is targeted at small business owners who want to save on fees. The new Scotiabank Passport Visa Infinite Business Card is a premium travel rewards card for business owners. There is no statement about what FX rate will be applied to transactions. As a Scotiabank Passport Visa Infinite Business credit cardholder earn a one-time Scotia Rewards point bonus of 10,000 bonus Scotia Rewards points when you make at least $60,000 in eligible purchases in … As for the Rogers’ cards, I don’t use that many Rogers products to justify getting them because the points only go towards Rogers products, hence this Scotia Passport Visa seems to be the best fit. Other perks of this card like the free Priority Pass airport lounge membership that includes 6 free visits per year and the comprehensive travel insurance are worth noting. I was referring to this page from scotiabank: https://www.scotiabank.com/ca/en/personal/rates-prices/foreign-exchange-rates.html. I have TD VISA INFINITE AEROPLAN card. There is one big problem with this card in relation to Car rental insurance. With no foreign exchange fees, this card outshines competing cards by a large … I then thought I could access with my Scotia Gold Passport card That didn’t work either. Btw: redeeming points of the Scotiabank Gold Amex is SO EASY 🙂. They are as follows: The cards are different. However, this clause was put in to deny people who have applied for the card in the past and then cancelled it within a short period of time (known as churners). are taxes on a flight reward considered ‘redeemable travel’? It sort of depends on what you prefer. Thank you ! 1. Plus you need to consider the additional travel benefits. So sounds like I should get the Passport Visa now in addition to my current Gold Amex so I’ll have both (and only spend with the Visa one for the first few months to ensure I get the sign up bonus). The two Scotiabank credit cards are good because they both own you Scotia Rewards points, and you’re technically getting the Gold Card for free for the first year. GameStop (US EB Games) counts as the Entertainment category and so does my monthly recurring game subscription to Final Fantasy 14 charged in US Dollars. That being said, I would still check with Scotia to confirm. I mean, I’m paying the taxes because I booked travel so it should work? 2. In addition, you can use your points to pay for taxes and fees, so this gives you plenty of flexibility when booking your travel. Admittedly, the earn rate isn’t the highest out there, but it’s pretty good and ideal for people who only want to have a single credit card. I personally like the Scotiabank card since it comes with the lounge access. From what I understand only the primary cardholder gets a Priority Pass membership so the supplementary holder does not get access to the lounges without the primary user present. So with SB card how is the cost of the flight determined? Thanks for sharing all the data points about US merchants. One thing to note, the Scotia Amex Platinum offers higher multipliers on certain categories so you need to be strategic about which card you use. But before you scoff, take a minute to consider the benefits. The Scotiabank Passport Visa Infinite Card (referral link) comes with quite a few benefits and it seems like it was clearly built with the modern traveller in mind. You can use the electronic membership record in the meantime, but it is only accepted at some locations. Then, effective March 15 Chase killed the card — so Marriott replaces it with an Starwood Amex card that can’t be used for parking, convenience stores, etc…and it charges the 2.5% currency transaction fees. 1. which airline company does the points connected to? Privacy. For example, if you know you want to make an Aeroplan redemption, then you should be getting cards that earn you Aeroplan points or allow you to transfer your points to Aeroplan. Tony, I’m not 100% sure on that, you’d have to ask Scotiabank. Good point about the 6 passes! I have accumulated about 15k pts that can be redeemed for travel, but the multiplier for the card is quite slow) and the RBC Cashback Mastercard (only 2% on groceries and 1% cashback credit for other qualifying purchases which I’ve currently have $105 in cashback credit). Called the 800 number to apply, can’t do it unless my husband is with me (I was applying for a card in his name and adding me as a supplementary card, he is too busy to do stuff like this). Since you like to travel, the 6 yearly lounge passes are a nice bonus. That basically makes the first year free. Got it not too long ago because I live on the border of Michigan and shop a lot over there. At the end, youjust got ta choose what makes more sense for you since the is. That sents the merchant codes but rather Visa and Mastercard, since this will be applied your... 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