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

The Odyssey Visa Infinite Privilege has a $130 annual fee, while the Scotiabank Passport Visa Infinite charges $150/year.

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

The Odyssey Visa Infinite Privilege earns 3% on groceries, while the Scotiabank Passport Visa Infinite earns 1.6x. The better choice depends on your grocery spending and the specific merchants you shop at.

Which card is better for international purchases?

The Odyssey Visa Infinite Privilege has a 2.5% foreign transaction fee, while the Scotiabank Passport Visa Infinite has no foreign transaction fee. The card with no FX fee is better for international purchases.

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

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

Scotiabank Passport Visa Infinite wins by $701/yr — strongest in groceries

Odyssey Visa Infinite Privilege earns $179 more on groceries
Odyssey Visa Infinite Privilege earns $72 more on travel
Saves $30/yr in foreign transaction fees
$600 welcome bonus advantage

Groceries: +$179Travel: +$72Dining & Restaurants: +$53

Odyssey Visa Infinite Privilege: $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

$996

/first year

2.4% effective$83/mo

vs 1% no-fee card: +$578

Annual rewards earned+$396

Welcome bonus+$600

First-year fee waiver+$150

FX costsNo FX fee

Annual fee−$150

Best for your spendingScotiabank Passport Visa Infinite—$996Year 1 value

+$701 more than Odyssey Visa Infinite Privilege

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Earn Rates by Category

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The Bottom Line

Scotiabank Passport Visa Infinite wins by $701/yr — strongest in groceries

Odyssey Visa Infinite Privilege earns $179 more on groceries
Odyssey Visa Infinite Privilege earns $72 more on travel
Saves $30/yr in foreign transaction fees
$600 welcome bonus advantage

Groceries: +$179Travel: +$72Dining & Restaurants: +$53

Showing Year 1 analysis

Year-over-Year

Year 1

Scotiabank Passport Visa Infinite

by $701 — welcome bonus advantage

Year 2+

Too close to call

Data Sources

Issuer terms & conditions (verified Mar 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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