Which has the lower annual fee, Odyssey Visa Infinite Privilege or Scotiabank GM Visa Infinite?

The Scotiabank GM Visa Infinite has a $99 annual fee, while the Odyssey Visa Infinite Privilege charges $130/year.

Which card is better for groceries, Odyssey Visa Infinite Privilege or Scotiabank GM Visa Infinite?

The Odyssey Visa Infinite Privilege earns 3% on groceries, while the Scotiabank GM Visa Infinite earns 5%. The better choice depends on your grocery spending and the specific merchants you shop at.

Odyssey Visa Infinite Privilege vs Scotiabank GM Visa Infinite — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

Scotiabank GM Visa Infinite wins by $944/yr — strongest in groceries

Scotiabank GM Visa Infinite earns $256 more on groceries
Scotiabank GM Visa Infinite earns $180 more on gas

Groceries: +$256Gas: +$180Bills & Utilities: +$144

Odyssey Visa Infinite Privilege: $30/yr in foreign transaction fees

Scotiabank GM Visa Infinite: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

$295

/first year

0.7% effective$25/mo

vs 1% no-fee card: −$123

Annual rewards earned+$455

FX costs−$30

Annual fee−$130

Winner

$1,239

/first year

3.0% effective$103/mo

vs 1% no-fee card: +$820

Annual rewards earned+$1,368

FX costs−$30

Annual fee−$99

Best for your spendingScotiabank GM Visa Infinite—$1,239Year 1 value

+$944 more than Odyssey Visa Infinite Privilege

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Neither card currently offers a welcome bonus.

Downgrade

Coming soon

The Bottom Line

Scotiabank GM Visa Infinite wins by $944/yr — strongest in groceries

Scotiabank GM Visa Infinite earns $256 more on groceries
Scotiabank GM Visa Infinite earns $180 more on gas

Groceries: +$256Gas: +$180Bills & Utilities: +$144

Showing Year 1 analysis

Scotiabank GM Visa Infinite wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

Found an error? Report incorrect data