Thank you ! I came across your blog when searching for no foreign exchange fees credit card. https://www.moneywehave.com/scotia-rewards/, https://www.moneywehave.com/american-express-membership-rewards/. 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). The Gold Amex gives you 4X the points on gas, grocery, dining, and entertainment purchases whereas the passport card gives you 2X the points. I confess I am super lazy abut research so just want one good all around travel card, with travel rewards and insurance perks at the top of the list. would really help. D’ailleurs, après vos 6 passes, vous pourriez vous procurer d’autres accès au prix de membre de 27$US par visite de lounge. Does the priority pass extend to my spouse as she has a secondary card or would I have to pay for her to use lounge privileges? Well, you could simply apply for a different credit card with no foreign transaction fees such as the Home Trust Card or the Rogers World ELite Mastercard around the 8 month mark. The first impression Scotiabank visa, used by confident and feel secured every foreign transaction got the notification by email… Love it , so luxury lifestyle. Ceci n’est pas unique à la Scotia Passeport Visa Infinite, mais plutôt à toutes les bonnes cartes de travel hacking, mais j’en parle, car c’est encore trop méconnu. I then take those points and transfer them to SPG / Marriott. There’s also the […]. Now if you just want a card with no foreign transaction fees, you may want to check out this post https://www.moneywehave.com/canadian-credit-cards-without-foreign-transaction-fees/, I wouldn’t say a significant amount and I do have lounge access through another Amex, though will close that card before the annual fee is up. I was told that Scotiabank does have a higher exchange rate than visa or mastercard, and that is what the card would be using. The one good thing about RBC points is that you can transfer them to WestJet Dollars. About CIBC Aventura Visa Infinite Card Main Features. If I keep a balance of 5K there is no yearly fee, I get 1 lounge visit per yr, travel insurance same points for groceries gas etc….I use it as a travel card, Pretty much anywhere in North America 25k points, 60k for Europe. Merci de votre expérience! Points for Credit is Different than redeeming for travel. https://www.scotiabank.com/ca/common/cc/pdf/en/Scotiabank_Passport_Infinite_Visa-EN-Ekit.pdf. We are now 10 weeks out for travel and will be paying for our resort in USD when we get there. Hi Barry, if the superstore gas station falls under the merchant code of Superstore, you’d get the 2X points. Yes Rogers alerted me to this card and it’s essentially an upgraded version of the current card. Scotiabank Passport Visa Infinite Business Card. Do I need to apply a supplementary card for my spouse so that we are able to use the Priority Pass airport lounge ? The only other VISA cards worth considering are the CIBC Aventura cards, but mainly because they come with $150 points and a $100 travel credit. Is there a list of airports where it can or cannot be used? How does Scotiabank expect someone to spend $40,000 on their credit card to earn the additional 10,000 points ? Hmmm…Scotiabank Passport Visa Infinite or RBC Avion Visa Infinite?? As for the lounge passes, I’m not sure if they come with the card, so you would need to ask them. As far as I can tell this has nothing to do with the forex fees, but I could be wrong. Ça n’a rien à voir. The sign up bonus is worth $250 and it has a fee of $139 so you’re coming out ahead for the first year. Is it the regular listed price at the airport? 2 – There are literally no blackout dates. Il y a juste quelque difference au niveau d'assurances incluses. This post and thread is so helpful thanks everyone! Read my Scotiabank Passport Visa Infinite Card review now and find out. Et si je comprends bien pour les assurances c’est tout ce qui concerne mon vol d’avion qui n’est pas assurable. There is no statement about what FX rate will be applied to transactions. Je viens de faire une demande pour la carte Scotiabank Passport Visa Infinite via votre lien. I would never seriously consider this as my main travel rewards credit card, but it’s still worth signing up for since it only takes a single purchase to get the sign up bonus of 15,000 points. I think I’ll end up going with the Home trust preferred visa card, and a STACK Mastercard for my cash needs. Shawn on October 29, 2018 at 2:24 AM. 1. which airline company does the points connected to? Il vous faudra environ 5 minutes pour remplir la demande, et vous obtiendrez une réponse en seulement 60 secondes 13. https://www.mastercard.us/content/dam/mccom/en-us/documents/rules/quick-reference-booklet-merchant-edition.pdf. Mais cette carte-ci, c’est vraiment une qui est faite pour être utilisée en voyage. J’ai commandé deux cartes, soit RBC avion et j’ai acheté un vol pour Singapour. Only things like interest payments on credit card balances don’t count. I have TD VISA INFINITE AEROPLAN card. However, it’s possible that gas stations at grocery stores don’t fall under the same merchant code. Ce que votre prime de bienvenue vous offre, c’est 30 000 Points Scotia, qui valent 300$ (1.0 ¢ / point). When you apply through my affiliate link, I get a commission. Id say it was a pretty good deal. Once you enroll, you will have access to more than 1300 participating airport lounges worldwide. I can often max out my referrals every year. I called Scotia bank 2 times and both of them told me it is only a told of 6. On demande une vérification des revenus. I would not advise using this card to anybody because of that. Your points can be used for any airline since you would book it through Scotiabank’s online portal or by calling into their full-service travel agency That being said, it’s likely the next card from Marriott will also be from American Express. The first showdown of our newly reincarnated series sees two of the most popular premier cards in Canada go head to head! You can read the details of Scotiabank’s car rental insurance here. Read my full review of the Scotiabank Passport Visa Infinite Card now. if that’s the case maybe both my wife and I will get a STEP LOC (free with no balance) and get our own cards (no sup cards.) You get a different rate (100 pints = $1) when you redeem for travel. So not impressed. Bonsoir! However, booking the flights with BA are sometimes very hectic and I ‘d prefer to use cash back so that I can buy whatever airline and itinerary I prefer. Got it not too long ago because I live on the border of Michigan and shop a lot over there. You have to wait for the Scotiabank card to arrive and go online to Priority Pass to sign up. If you’re travelling with her, I believe you could use the lounge passes for her. Est-ce que j’aurai droit au accès de lounge? The annual fee is being dropped as of May 23rd. How Does the Visa Infinite Program Work? Nous appeler au 1 866 525-8622 Votre application téléphone s'ouvrira. Scotiabank also made some recent changes to the signup bonus for the Gold American Express Card which is now lower. […]. Hi Barry, Any thoughts, notes on disadvantages or tips? 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. Bonjour, avez-vous regardé la carte Mastercard Odyssée World Elite de Desjardins? Vais-je recevoir la prime de $100.00 lorsque la demande sera acceptée? That said, although you can get more value with Aeroplan, finding a seat can be tricky. C’est simple, car c’est un programme assez straightforward: il n’y a pas d’estimation ou de complexité comme avec les Miles Aeroplan ou les Points d’hôtels, les points sont simplement un crédit-voyage. It can also differ per location so it’s impossible to give you a definite answer. When the Rogers World Elite Mastercard is released, the current Rogers card will be devalued. But some vacations early in 2019 will come up for sure! I wasn’t a big fan of Rogers cards before, but this one is actually pretty decent. You’re better off using your points for travel where 25,000 points works out to a $250 travel credit when booked through Scotiabank’s travel service. Évidemment, ce n’est pas le meilleur retour que vous pouvez avoir, tout dépend des autres cartes dans votre portefeuille. It’s been almost two weeks. I apply for the home trust cards 4 weeks ago, just not sure if it will come in time. 1. what is the difference to apply through your “Referral Link ” vs directly with bank ? The only question I have is where is the merchant list that offers 2 scotia points per $1 spent? I already have the Scotia Amex Gold, so this can help me earn more Scotia Rewards points for merchants where Amex is not accepted. It’s possible the teller was confused, but perhaps you can shed some light on this. But there are annual fees for both (yes first year the latter card the fee is waived after spending a certain amount, but if you have it multiple years, then you will have to pay the annual fees). All other purchases earn you 1 point per dollar spent. You’ll either be paying 19.99% in interest on normal purchases here or a slightly elevated 22.99% on balance transfers and cash advances. That card gives you the same reward benefit as the Gold, however comes with 12 lounge passes. The CIBC Aventura Visa Card for Students offers a decent return on travel rewards with no annual fee. Editor's Note: Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. what attracts me is the 10 day medical coverage for people over 65 and it has no upper age limit. C’est absolument illogique de ne pas avoir au moins une carte avec d’excellentes assurances gratuites comme celle-ci (ou toutes les autres où c’est écrit «excellentes assurances» dans notre article sur les meilleures cartes de crédit) si vous voyagez le moindrement souvent. Provided i can use the passes for my wife as well in travel. Il y en a dans la plupart des aéroports majeurs, mais pas partout, vous pouvez voir la liste sur leur site et plus de détails dans notre article: https://blog.flytrippers.com/fr/rabais-pour-des-acces-aux-lounges-daeroport/. Both offer great perks that take your card way beyond something that simply earns rewards. I’ve had the Marriott Rewards VISA card through Chase for years and earned almost a million MR points for hotel stays, airplane tickets, etc. This way if I have a membership to an organization that gets me special discounts on hotels, I can use it because it’s not travel agent friendly and I can save even more money. When pairing two credit cards, you should think about your goals. Since you have a limited amount of passes per year, I recommend looking up reviews before you depart so you know if it’s of good use. Je me fie à cela ou quoi? La Platinum elle ne vaut que la peine si vous voyagez vraiment beaucoup. I have the scotia amex gold (which I will likely be canceling due to the drop in trip ins from 2500 now down to 1500 and just got the National Bank World Elite for the 2500/5000) but I noticed the foreign transaction currency rate us BETTER than what I can buy usd at the bank for. I like how this card gives you a decent earn rate at 2 Scotia Rewards points per $1 spent on eligible grocery, dining, entertainment, and transit purchases. En tant que voyageur très économe, il adore trouver des bons deals et avoir des voyages gratuits grâce aux points de récompenses de voyage... pour l'aider à visiter chacun des pays du monde (compte actuel: 62/193 pays, 46/50 États Américains & 9/10 Provinces Canadiennes). I love the benefits of both cards but seem to always long for the other so I thought why not both? You can use the lounge passes at any time regardless if you used the card to pay for your flight. If i fill gas in my car at a grocery store like Co-op or Safeway or superstore using this card, would it still qualify for 2x points? Your credit score would likely drop another 10 points if you applied for another credit card, but that would go up again in a few months after you pay your bills on time. It’s not completely clear to me how the Scotiabank cards are rated as highly as they are. I plan on writing about it later. The lounge passes alone are worth more than the annual fee and not having to pay forex fees is pretty sweet. 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 Scotia Amex Gold has better multipliers, but as you’ve noted, it’s not a Visa or Mastercard. For travel, it sort of depends but the BMO World Elite Mastercard, Scotiabank Passport, and CIBC Aventura Visa Infinite are all good. I personally think the Scotiabank Passport Card is better than the RBC card, but I’d favour RBC’s points program a bit over Scotiabank’s. No foreign transaction fees. Je voulais avoir la Passeport, simplement pour profiter du 0% de frais de change à l’étranger. That’s two weeks of spending during the holiday shopping season that I could have added to my $40,000 goal. You can waive the fee but then claw it back with the spread on the currencies. À condition bien sûr d’avoir pris cette carte pour réserver le vol. Think about this card if you want flexible rewards and no annual fee. Right now the US exchange and bank fees are killing me so I need the best card for my purpose so I am not losing a crap ton of money every time I make a transaction. National Bank is the sixth largest bank in Canada (Big Six) and has its headquarters in Montreal. Both cards earn you Scotia Rewards points but the Amex card gives you 5 points per $1 spent on eats and entertainment. I also like the benefits of the Scotia cards with no forex. I personally prefer the Scotiabank card over the CIBC cards, […] most comparable card is the Scotiabank Passport Visa Infinite card since they are similar in look and name. But I also love the idea of the amex benefits. Par contre, malheureusement tu n’auras pas les protections reliées au billet: 500$ si ton vol est retardé ou annulé, l’assurance annulation si jamais tu dois changer tes plans, etc. 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. is it true that if you have a Scotiabank STEP (Scotia total equity plan home owner line of credit) that the annual fee is only 69 bucks? What does it cover and is there limitation in terms of geo? Carte Aventura CIBC Visa. Thanks for the useful info! Scotiabank Value Visa Credit Card Review If you are hoping to get rid of your high-interest credit card debt fast, look no further than the ... 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