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

The RBC Avion Visa Infinite Privilege has a $399 annual fee, while the Scotiabank Passport Visa Infinite Privilege charges $599/year.

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

The RBC Avion Visa Infinite Privilege earns 1x on groceries, while the Scotiabank Passport Visa Infinite Privilege earns 0.8x. The better choice depends on your grocery spending and the specific merchants you shop at.

Which card is better for international purchases?

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

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

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

Scotiabank Passport Visa Infinite Privilege wins by $814/yr — strongest in travel

Scotiabank Passport Visa Infinite Privilege earns $86 more on travel
RBC Avion Visa Infinite Privilege earns $51 more on groceries
Saves $30/yr in foreign transaction fees
$1,000 welcome bonus advantage

Travel: +$86Groceries: +$51Bills & Utilities: +$19

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

Showing Year 1 analysis

Dollar Value

−$13

/first year

-0.0% effective$1/mo

vs 1% no-fee card: −$432

Annual rewards earned+$416

FX costs−$30

Annual fee−$399

Winner

$801

/first year

1.9% effective$67/mo

vs 1% no-fee card: +$382

Annual rewards earned+$400

Welcome bonus+$1,000

FX costsNo FX fee

Annual fee−$599

Best for your spendingScotiabank Passport Visa Infinite Privilege—$801Year 1 value

+$814 more than RBC Avion Visa Infinite Privilege

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Earn Rates by Category

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The Bottom Line

Scotiabank Passport Visa Infinite Privilege wins by $814/yr — strongest in travel

Scotiabank Passport Visa Infinite Privilege earns $86 more on travel
RBC Avion Visa Infinite Privilege earns $51 more on groceries
Saves $30/yr in foreign transaction fees
$1,000 welcome bonus advantage

Travel: +$86Groceries: +$51Bills & Utilities: +$19

Showing Year 1 analysis

Year-over-Year

Year 1

Scotiabank Passport Visa Infinite Privilege

by $814 — welcome bonus advantage

Year 2+

RBC Avion Visa Infinite Privilege

by $186 — ongoing earn advantage

Scotiabank Passport Visa Infinite Privilege wins Year 1 thanks to a better welcome bonus, but RBC Avion Visa Infinite Privilege earns more ongoing. Consider how long you plan to hold the card.

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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