Wealthsimple Visa Infinite+ Card vs Scotiabank Passport Visa Infinite
Two cards, one Standard Score rubric. The Scotiabank Passport Visa Infinite scores higher overall at 7.2/10 — but the right pick depends on which components match your spending.
The verdict
StrongTwo no-FX cards, one built to earn simply and one built to travel. The Wealthsimple Visa Infinite+ pays a flat 2% on everything with zero FX fees, but its $240 fee only disappears if you hold $100K at Wealthsimple or route a $4,000 monthly direct deposit through it; the $150 Passport also skips FX fees and adds six lounge visits, though its Scene+ points cap at 1¢. Wealthsimple clients who clear the waiver take the flat-2% Infinite+; travellers who want lounge access without banking conditions take the Passport.
See offer · current Scotiabank Passport Visa Infinite offer, direct from the issuer
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
| Wealthsimple Visa Infinite+ Card | Scotiabank Passport Visa Infinite | |
|---|---|---|
| Standard Score | 6.7/10 · Strong | 7.2/10 · Strong |
| Annual fee | $240 ($20/month; waived for Wealthsimple Premium/Generation clients ($100K+ in assets held with Wealthsimple) or with a qualifying $4,000+/month direct deposit) | $150 (Rebated only if you hold an eligible Scotiabank chequing account (Ultimate Package rebates the full $150; Preferred Package rebates $40) — there is no first-year waiver on the card itself. $50 for each additional card, waived on the first supplementary card under the current offer.) |
| Welcome bonus | None currently offered | Up to 35,000 Scene+ points (25,000 on $2K/3 mo + 10,000 annual on $40K), plus the $50 fee waived on your first supplementary card — offer ends November 1, 2026 |
| Est. bonus value | ≈ $0 | ≈ $350 |
| First-year net value | ≈ $360 | ≈ $450 |
| Earn rates |
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| Points currency | Cash back | Scene+ |
| No FX fees | Yes | Yes |
| Lounge access | No | Yes |
Where the Wealthsimple Visa Infinite+ Card wins
- Ongoing value — scores 7.5/10 on this component
- Flexibility — scores 8.0/10 on this component
Where the Scotiabank Passport Visa Infinite wins
- First-year value — scores 6.5/10 on this component
- Perk usability — scores 8.5/10 on this component
- Low friction — scores 9.0/10 on this component
- Strategic fit — scores 8.0/10 on this component
Read the full reviews: Wealthsimple Visa Infinite+ Card and Scotiabank Passport Visa Infinite, or see how both rank in Best Cash Back Credit Cards in Canada.