Scotiabank® Passport® Visa Infinite +* Card vs Wealthsimple Credit Card
The short answer: for most people the Scotiabank® Passport® Visa Infinite +* Card is the better overall card — we rate it 4.4/5 and it shines if you want overall best travel card. Choose the Wealthsimple Credit Card instead if your priority is no-fee, no-fx everyday cash back — especially for wealthsimple clients.
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| Our rating | 4.4 | 4.4 |
|---|---|---|
| Annual fee | $150/yr | No annual fee |
| Welcome bonus | $1,250 | None |
| Foreign transaction fee | None | None |
| Rewards type | points | cash back |
| Top earn rates |
|
|
| Purchase interest | 20.99% | 20.99% |
| Income required | $60,000 personal | None stated |
| Best for | Overall best travel card | No-fee, no-FX everyday cash back — especially for Wealthsimple clients |
| Apply now | Apply now |
Scotiabank® Passport® Visa Infinite +* Card
Our winnerThe Scotiabank Passport Visa Infinite Plus Card earns up to 3x on groceries and carries a $150 annual fee. We estimate around $1250 in first-year value. Figures are illustrative — verify current terms with Scotiabank.
Wealthsimple Credit Card
A standout no-fee card: a flat 1% with zero foreign transaction fees is rare, and Wealthsimple clients can push it to 2%. A no-fuss everyday and travel card.
Frequently asked questions
Is the Scotiabank® Passport® Visa Infinite +* Card or the Wealthsimple Credit Card better?
For most Canadians, the Scotiabank® Passport® Visa Infinite +* Card is the better overall pick (we rate it 4.4/5 vs 4.4/5). It's especially strong if you want overall best travel card. The Wealthsimple Credit Card can still win if you specifically want no-fee, no-fx everyday cash back — especially for wealthsimple clients.
Which card has the lower annual fee?
The Wealthsimple Credit Card has the lower annual fee (no annual fee vs a $150 annual fee).
Do either of these cards charge foreign transaction fees?
Scotiabank® Passport® Visa Infinite +* Card: no foreign transaction fee. Wealthsimple Credit Card: no foreign transaction fee.