{"id":254405,"date":"2026-01-02T08:47:00","date_gmt":"2026-01-02T13:47:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=254405"},"modified":"2026-05-09T08:31:19","modified_gmt":"2026-05-09T08:31:19","slug":"comparison-mastercard-bmo-air-miles-world-elite-vs-scotiabank-passport-visa-infinite","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-mastercard-bmo-air-miles-world-elite-vs-scotiabank-passport-visa-infinite\/","title":{"rendered":"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard"},"content":{"rendered":"\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/programs\/sceneplus-iga-sobeys-air-miles\/\" target=\"_blank\" rel=\"noopener\">withdrawal of AIR MILES from IGA grocery stores<\/a> in 2023, the opportunities to earn AIR MILES have changed. The Scene+ program stepped in to replace it.<\/p>\n\n\n\n<p>Have you changed your habits since then? Are you thinking of changing your rewards program?  While we&#8217;re at it, would it be better to switch credit cards?<\/p>\n\n\n\n<p>For a clearer picture, let&#8217;s compare the best Visa and Mastercard credit cards.<\/p>\n\n\n\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Passport\u2122 Visa Infinite*+ Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/cartes-de-credit\/carte-visa-infinite-passeport-banque-scotia\/\">Scotiabank Passport Visa Infinite + Card<\/a>, you can earn Scene+ points, while with the BMO AIR MILES World Elite Mastercard, you earn AIR MILES and an Instacart+ membership.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22642\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>We will base our analysis on the major differences between these credit cards regarding:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"#prime\">Welcome Bonus<\/a><\/li>\n\n\n\n<li><a href=\"#accumulation\">Earning Points<\/a><\/li>\n\n\n\n<li><a href=\"#utilisation\">Using Points<\/a><\/li>\n\n\n\n<li><a href=\"#frais\">Annual Fee<\/a><\/li>\n\n\n\n<li><a href=\"#revenu\">Minimum Income<\/a><\/li>\n\n\n\n<li><a href=\"#assurances\">Travel insurance<\/a><\/li>\n\n\n\n<li><a href=\"#avantages\">Benefits<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-welcome-bonus\">Welcome Bonus<\/h2>\n\n\n\n\n\n<p>The welcome bonus offered by each of these credit cards varies depending on the promotions. However, there are some important differences between the two!<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/11\/scotia-passport-visa-infinite-card.png\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - Scotiabank Passport\u2122 Visa Infinite* Card\" class=\"wp-image-238842\"\/><\/figure>\n<\/div>\n\n\n<p>With this welcome offer for the <a target=\"_blank\" title=\"Scotiabank Passport\u2122 Visa Infinite*+ Card\" href=\"\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Passport Visa Infinite + Card<\/a>, you can get up to $1,500 in rewards and savings in the first year, including up to 60,000 bonus Scene+ points:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>40,000 points<\/strong> after $2,000 in purchases in the first three months<\/li>\n\n\n\n<li><strong>10,000 points<\/strong> after $10,000 in purchases in the first six months<\/li>\n\n\n\n<li><strong>10,000 points<\/strong> after $40,000 in purchases in the first year<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/06\/BMO-AIR-MILES-World-Elite-Mastercard.webp\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - BMO AIR MILES World Elite Mastercard\" class=\"wp-image-393787\"\/><\/figure>\n<\/div>\n\n\n<p>The BMO AIR MILES World Elite Mastercard offers up to <strong>$947 in value<\/strong>, including <strong>up to 9,000 AIR MILES<\/strong> as a bonus.<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>3,000 miles after $4,500 in purchases<\/strong> in the first 110 days<\/li>\n\n\n\n<li><strong>2,000 additional miles after $1,000<\/strong> in total purchases at warehouse clubs (like Costco), grocery stores, and liquor retailers (SAQ, LCBO, etc.) within 110 days<\/li>\n\n\n\n<li><strong>2,000 additional miles after $10,000<\/strong> in total purchases (including the $4,500 from the previous condition) within 180 days<\/li>\n\n\n\n<li><strong>2,000 additional miles after $20,000<\/strong> in total purchases (including all expenses under the preceding conditions) in the first year<\/li>\n<\/ul><\/div>\n\n\n\n<p>What&#8217;s more, <strong>the annual fee is refunded for the first year<\/strong> (a value of $120).<\/p>\n\n<\/div>\n\n<\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"80520,83889\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-bmo-air-miles-world-elite-mastercard\">Advantage: BMO AIR MILES World Elite Mastercard<\/h5>\n\n\n\n<p>The BMO AIR MILES World Elite Mastercard has a more generous and advantageous welcome offer than its competitor. In addition, the annual fee is waived for the first year.<\/p>\n\n\n\n<p>However, to earn a bonus faster, the Scotiabank Passport Visa Infinite + Card has an advantage because only <span class=\"nowrap\">$2,000<\/span> in purchases are required to earn <span class=\"nowrap\">40,000<\/span> Scene+ points.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-earning-points\">Earning Points<\/h2>\n\n\n\n<p>The BMO AIR MILES World Elite Mastercard and the Scotiabank Passport Visa Infinite each offer different levels of point accumulation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-maximum-earning-level\">Maximum Earning Level<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/11\/scotia-passport-visa-infinite-card.png\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - Scotiabank Passport\u2122 Visa Infinite* Card\" class=\"wp-image-238842\"\/><\/figure>\n<\/div>\n\n\n<p>With the Scotiabank Passport Visa Infinite + Card, you earn <strong>3 Scene+ points per dollar<\/strong> (i.e. 3%) on purchases at:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>IGA<\/li>\n\n\n\n<li>Rachelle B\u00e9ry<\/li>\n\n\n\n<li>Les March\u00e9s Tradition<\/li>\n\n\n\n<li>Voi\u00e0 by IGA \/ Safeway \/ Sobeys<\/li>\n\n\n\n<li>Sobeys and Safeway<\/li>\n\n\n\n<li>Foodland and Thrifty Foods<\/li>\n\n\n\n<li>FreshCo and Chalo! FreshCo<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/06\/BMO-AIR-MILES-World-Elite-Mastercard.webp\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - BMO AIR MILES World Elite Mastercard\" class=\"wp-image-393787\"\/><\/figure>\n<\/div>\n\n\n<p>With the BMO AIR MILES World Elite Mastercard, you can earn <strong>3 miles per $12<\/strong> at AIR MILES partners such as:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Shell<\/li>\n\n\n\n<li>Budget, Alamo and National<\/li>\n\n\n\n<li>Pitou minou &amp; Compagnons<\/li>\n\n\n\n<li>Samsung<\/li>\n<\/ul><\/div>\n\n\n\n<p>This has a value of 2.6%.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-winner-scotiabank\">Winner: Scotiabank<\/h5>\n\n\n\n<p>The <a target=\"_blank\" title=\"Scotiabank Passport\u2122 Visa Infinite*+ Card\" href=\"\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Passport Visa Infinite + Card<\/a> stands out for its value received with purchases at Empire Group grocery stores (IGA, Sobeys, Foodland, etc.).<\/p>\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-other-accumulation-levels\">Other accumulation levels<\/h3>\n\n\n\n<p>Then, in other purchase categories, the BMO AIR MILES World Elite Mastercard and Scotiabank Passport Visa Infinite + Card offer other accumulation rates.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/11\/scotia-passport-visa-infinite-card.png\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - Scotiabank Passport\u2122 Visa Infinite* Card\" class=\"wp-image-238842\"\/><\/figure>\n<\/div>\n\n\n<p>With the Scotiabank Passport Visa Infinite + Card, you earn <strong>1 or 2 points per dollar <\/strong>on these purchases:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>2 points<\/strong> Scene+ \/ $1 purchase in restaurants, entertainment, grocery stores and travel (2% value)<\/li>\n\n\n\n<li><strong>1 Scene+ point<\/strong>\/$1 purchase for the remainder (1% value)<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/06\/BMO-AIR-MILES-World-Elite-Mastercard.webp\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - BMO AIR MILES World Elite Mastercard\" class=\"wp-image-393787\"\/><\/figure>\n<\/div>\n\n\n<p>With the BMO AIR MILES World Elite Mastercard, you can earn&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>2 miles<\/strong> for every $12 spent at any grocery store (1.8% value)<\/li>\n\n\n\n<li><strong>2 miles <\/strong>for every $12 spent at warehouse clubs (like Costco) and liquor retailers (like SAQ or LCBO) (1.8% value)<\/li>\n\n\n\n<li><strong>1 mile <\/strong>for every $12 for all other expenses (0.9% value)<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-winner-scotiabank\">Winner: Scotiabank<\/h5>\n\n\n\n<p>The <a target=\"_blank\" title=\"Scotiabank Passport\u2122 Visa Infinite*+ Card\" href=\"\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Passport Visa Infinite + Card<\/a> will offer just a little more than its competitor. But its categories are also more varied than just the &#8220;grocery&#8221; one.<\/p>\n\n\n\n<p>However, if you are a Costco customer, you should know that you can use the BMO Mastercard credit card at the warehouse since it is a Mastercard credit card. Since Scotia&#8217;s is a Visa, it is not accepted at Costco checkouts (but there is a way around this problem. Read our article on <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/visa-credit-card-costco\/\" target=\"_blank\" rel=\"noopener\">How to use a Visa on the Costco.ca website<\/a>).<\/p>\n\n\n\n<p><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/best-credit-cards-for-costco\/\">Check out the best Costco credit card offers<\/a>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-redeeming-points\">Redeeming Points<\/h2>\n\n\n\n<p>Both cards are point cards that can be used in many ways.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-points-for-travel\">Points for travel<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/11\/scotia-passport-visa-infinite-card.png\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - Scotiabank Passport\u2122 Visa Infinite* Card\" class=\"wp-image-238842\"\/><\/figure>\n<\/div>\n\n\n<p>With the Scotiabank Passport Visa Infinite + Card, you can apply your points to travel purchases in two ways:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Redeem points directly when booking travel with Scene+ Travel, administered by Expedia.<\/li>\n\n\n\n<li>Make your own travel arrangements and use your points to pay off the balance on the card<\/li>\n<\/ul><\/div>\n\n\n\n<p>The redemption rate is <strong>fixed<\/strong> for travel expenses, with <strong>10,000 points = $100 credit<\/strong>.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/06\/BMO-AIR-MILES-World-Elite-Mastercard.webp\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - BMO AIR MILES World Elite Mastercard\" class=\"wp-image-393787\"\/><\/figure>\n<\/div>\n\n\n<p>With the BMO<sup>&reg;<\/sup> AIR MILES<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*, you can book travel using your accumulated <strong>Dream Miles<\/strong>.<\/p>\n\n\n\n<p>The rate of use is highly <strong>variable<\/strong>, and to redeem them, you absolutely must use the AIR MILES platform, in the <a href=\"https:\/\/www.airmiles.ca\/fr\/voyages.html\" target=\"_blank\" rel=\"noopener\">Travel section<\/a>. To be worth it, a mile redeemed must equal 10.5 cents (or <strong>$10 off for 95 miles<\/strong>).<\/p>\n\n\n\n<p>Dream Miles are also used to pay for&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>All-inclusive packages through Redtag Travel Agency<\/li>\n\n\n\n<li>Tickets for skiing, zoo, golf<\/li>\n\n\n\n<li>Theme park tickets (DisneyWorld, Disneyland and Universal Studios)<\/li>\n\n\n\n<li>Hotels, airfare, car rental and cruises<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"248186,0\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-winner-scotiabank\">Winner: Scotiabank<\/h5>\n\n\n\n<p>For the <strong>use of points for travel purchases<\/strong>, the <a target=\"_blank\" title=\"Scotiabank Passport\u2122 Visa Infinite*+ Card\" href=\"\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Passport Visa Infinite + Card<\/a> is simpler than the BMO AIR MILES World Elite Mastercard. The exchange rate is fixed and easy to remember.<\/p>\n\n\n\n<p>Redeeming AIR MILES points is fine, but the value depends on the travel product. For example, the value is very poor for a plane ticket to Europe. At the opposite, AIR MILES can make substantial savings on a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/save-car-rental-air-miles\/\" target=\"_blank\" rel=\"noopener\">car rental<\/a>, which is one of the best uses of Dream Miles when traveling.<\/p>\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-points-for-other-rewards\">Points for Other Rewards<\/h3>\n\n\n\n<p>The BMO AIR MILES World Elite Mastercard and the <a class=\"thirstylink\" title=\"Scotiabank Passport\u2122 Visa Infinite*+ Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/cartes-de-credit\/carte-visa-infinite-passeport-banque-scotia\/\">Scotiabank Passport Visa Infinite + Card<\/a> both allow you to use points for other rewards: everyday purchases, gift cards or merchandise.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/11\/scotia-passport-visa-infinite-card.png\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - Scotiabank Passport\u2122 Visa Infinite* Card\" class=\"wp-image-238842\"\/><\/figure>\n<\/div>\n\n\n<p>The Scotiabank Passport Visa Infinite card lets you apply your points to everyday purchases.<\/p>\n\n\n\n<p>You can redeem <strong>1,000 Scene+ points for a $10 discount<\/strong> at the IGA\/Sobeys checkout.<\/p>\n\n\n\n<p>Points can also be used to purchase gift cards, starting at 1,000 to 1,400 points for a $10 discount.<\/p>\n\n\n\n<p>Scene+ points can also be redeemed for:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>500 points for a $5 discount at selected restaurants (Harvey&#8217;s, Swiss Chalet, etc.)<\/li>\n\n\n\n<li>100 points for $1 off movie tickets at Cineplex<\/li>\n\n\n\n<li>500 points for $5 off food and beverage at Cineplex, Rec Room and chips at Playdium<\/li>\n\n\n\n<li>At least 3,000 points for a statement credit of between $6.67 and $8 on any card charge.<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/06\/BMO-AIR-MILES-World-Elite-Mastercard.webp\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - BMO AIR MILES World Elite Mastercard\" class=\"wp-image-393787\"\/><\/figure>\n<\/div>\n\n\n<p>The BMO AIR MILES World Elite Mastercard can also be used to redeem for gift cards and merchandise.<\/p>\n\n\n\n<p>For example, <strong>95 Cash Miles can be used to deduct $10 of the bill<\/strong> for gas at Shell. Or this gives us an <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/air-miles-cartes-cadeaux-electroniques\/\" target=\"_blank\" rel=\"noopener\">electronic gift card<\/a> for Walmart, Home Depot, Air Canada, Starbucks, etc.<\/p>\n\n\n\n<p>Although we don&#8217;t encourage redemption in this way due to their low value, Dream Miles can be redeemed for items ranging from movie tickets to a computer.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-it-s-a-draw\">IT&#039;S A DRAW<\/h5>\n\n\n\n<p>Use Scene+ points for grocery store and restaurant discounts, and your Cash Miles for <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/air-miles-cartes-cadeaux-electroniques\/\" target=\"_blank\" rel=\"noopener\">electronic gift cards<\/a> (Walmart, Tim Hortons, Dollarama, La Vie en Rose, Sail, Reitmans, etc.).<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-annual-fee\">Annual Fee<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/11\/scotia-passport-visa-infinite-card.png\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - Scotiabank Passport\u2122 Visa Infinite* Card\" class=\"wp-image-238842\"\/><\/figure>\n<\/div>\n\n\n<p>The <a class=\"thirstylink\" title=\"Scotiabank Passport\u2122 Visa Infinite*+ Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/cartes-de-credit\/carte-visa-infinite-passeport-banque-scotia\/\">Scotiabank Passport\u2122 Visa Infinite*+ Card<\/a> has an annual fee of $150.<\/p>\n\n\n\n<p>And if you have a <a target=\"_blank\" class=\"thirstylink\" title=\"Scotiabank Ultimate Package\" href=\"\/go\/scotia-ultimate-package\/\">Scotiabank Ultimate Package<\/a>, you&#8217;ll get <strong>your annual fee waived at any time<\/strong>. Find out <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/bank-accounts\/forfaits-bancaires-scotia\/#Le_Forfait_Ultime_de_la_Banque_Scotia\">more here<\/a>.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/06\/BMO-AIR-MILES-World-Elite-Mastercard.webp\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - BMO AIR MILES World Elite Mastercard\" class=\"wp-image-393787\"\/><\/figure>\n<\/div>\n\n\n<p>The BMO<sup>&reg;<\/sup> AIR MILES<sup>&reg;<\/sup> World Elite Mastercard<sup>&reg;<\/sup>* has a $120 annual fee.<\/p>\n\n\n\n<p>However, with this limited-time welcome offer, the first year is free!<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-winner-bmo\">Winner: BMO<\/h5>\n\n\n\n<p>The BMO<sup>&reg;<\/sup> AIR MILES<sup>&reg;<\/sup> World Elite Mastercard<sup>&reg;<\/sup>* has a lower annual fee.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-minimum-income\">Minimum Income<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/11\/scotia-passport-visa-infinite-card.png\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - Scotiabank Passport\u2122 Visa Infinite* Card\" class=\"wp-image-238842\"\/><\/figure>\n<\/div>\n\n\n<p>The <a class=\"thirstylink\" title=\"Scotiabank Passport\u2122 Visa Infinite*+ Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/cartes-de-credit\/carte-visa-infinite-passeport-banque-scotia\/\">Scotiabank Passport\u2122 Visa Infinite*+ Card<\/a> requires:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>$60,000 (individual income)<\/li>\n\n\n\n<li>or $100,000 (household income)<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/06\/BMO-AIR-MILES-World-Elite-Mastercard.webp\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - BMO AIR MILES World Elite Mastercard\" class=\"wp-image-393787\"\/><\/figure>\n<\/div>\n\n\n<p>The BMO<sup>&reg;<\/sup> AIR MILES<sup>&reg;<\/sup> World Elite Mastercard<sup>&reg;<\/sup>* requires&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>$80,000 (individual income)<\/li>\n\n\n\n<li>or $150,000 (household income)<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-winner-scotiabank\">Winner: Scotiabank<\/h5>\n\n\n\n<p>In terms of required income, the <a class=\"thirstylink\" title=\"Scotiabank Passport\u2122 Visa Infinite*+ Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/cartes-de-credit\/carte-visa-infinite-passeport-banque-scotia\/\">Scotiabank Passport Visa Infinite<\/a> is more affordable than the BMO AIR MILES World Elite Mastercard.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-insurance\">Insurance<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/11\/scotia-passport-visa-infinite-card.png\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - Scotiabank Passport\u2122 Visa Infinite* Card\" class=\"wp-image-238842\"\/><\/figure>\n<\/div>\n\n\n<p>The Scotiabank Passport\u2122 Visa Infinite*+ Card offers various insurances. The <a href=\"https:\/\/www.scotiabank.com\/content\/dam\/scotiabank\/canada\/common\/documents\/pdf\/credit_card\/Scotiabank_Passport_Infinite_Visa-FRE-Ekit.pdf#page=52\" target=\"_blank\" rel=\"noopener\">certificate of insurance can be found here<\/a>:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr style=\"height: 48px;\"><td>Global Travel Medical Emergency Insurance<\/td><td>2,000,000 and 25 days (age 64 and under)<\/td><\/tr><tr style=\"height: 24px;\"><td>Baggage delay or loss insurance<\/td><td>1,000 per trip<\/td><\/tr><tr style=\"height: 24px;\"><td>Flight delay insurance<\/td><td>500 per person<\/td><\/tr><tr style=\"height: 48px;\"><td>Trip cancellation, interruption and delay insurance<\/td><td>Up to $2,500 per person<\/td><\/tr><tr style=\"height: 24px;\"><td>Vehicle rental insurance<\/td><td>Up to 48 days, maximum $65,000<\/td><\/tr><tr style=\"height: 24px;\"><td>Hotel\/motel theft insurance<\/td><td>up to $1,000<\/td><\/tr><tr style=\"height: 24px;\"><td>Purchase insurance<\/td><td>90 days<\/td><\/tr><tr style=\"height: 24px;\"><td>Mobile device insurance<\/td><td>&#8212;<\/td><\/tr><tr style=\"height: 24px;\"><td>Extended warranty insurance<\/td><td>Doubles warranty up to an additional year<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/06\/BMO-AIR-MILES-World-Elite-Mastercard.webp\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - BMO AIR MILES World Elite Mastercard\" class=\"wp-image-393787\"\/><\/figure>\n<\/div>\n\n\n<p>The BMO<sup>&reg;<\/sup> AIR MILES<sup>&reg;<\/sup> World Elite Mastercard offers a variety of insurance coverages, and its <a href=\"https:\/\/www.bmo.com\/pdf\/airmiles-world-elite-fr.pdf\" target=\"_blank\" rel=\"noopener\">certificate of insurance can be found here<\/a>:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr style=\"height: 48px;\"><td>Global Travel Medical Emergency Insurance<\/td><td>2,000,000, age 64 and under, for 15 days<\/td><\/tr><tr style=\"height: 24px;\"><td>Baggage delay or loss insurance<\/td><td>up to $750<\/td><\/tr><tr style=\"height: 24px;\"><td>Flight delay insurance<\/td><td>up to $500<\/td><\/tr><tr style=\"height: 96px;\"><td>Trip Cancellation and Trip Interruption\/Delay insurance<\/td><td>\n<p>Up to $2,500 (cancellation)<\/p>\n\n\n\n<p>Up to $2,000 (interruption)<\/p>\n<\/td><\/tr><tr style=\"height: 24px;\"><td>Vehicle rental insurance<\/td><td>48 days, up to $65,000<\/td><\/tr><tr style=\"height: 24px;\"><td>Hotel\/motel theft insurance<\/td><td>&#8212;<\/td><\/tr><tr style=\"height: 24px;\"><td>Purchase insurance<\/td><td>90 days<\/td><\/tr><tr style=\"height: 24px;\"><td>Mobile device insurance<\/td><td>&#8212;<\/td><\/tr><tr style=\"height: 24px;\"><td>Extended warranty insurance<\/td><td>Doubles warranty up to an additional year<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-winner-scotiabank\">Winner: Scotiabank<\/h5>\n\n\n\n<p>Scotiabank Passport Visa Infinite&#8217;s insurance coverage is slightly superior to that of its competitor. In fact, the amounts are equal to or greater than the other. Please note that <strong>at least 75% of the cost of the trip<\/strong> or tickets must be charged to this card for certain insurances to apply.<\/p>\n\n\n\n<p>Whereas for the BMO AIR MILES World Elite Mastercard, the cardholder is eligible for insurance if they purchased it partly with AIR MILES.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-benefits\">The Benefits<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/11\/scotia-passport-visa-infinite-card.png\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - Scotiabank Passport\u2122 Visa Infinite* Card\" class=\"wp-image-238842\"\/><\/figure>\n<\/div>\n\n\n<p>The Scotiabank Passport\u2122 Visa Infinite*+ Card offers a number of advantages:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>No conversion fees<\/strong> for foreign currency purchases<\/li>\n\n\n\n<li><strong>6<\/strong> free VIP airport lounges per year<\/li>\n\n\n\n<li>Double up at Scene+ points with your Scene+ membership card at our partners.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.visainfinite.ca\/infinite\/en\/indice.html\" target=\"_blank\" rel=\"noopener\">Visa Infinite<\/a> Privileges<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/06\/BMO-AIR-MILES-World-Elite-Mastercard.webp\" alt=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard - BMO AIR MILES World Elite Mastercard\" class=\"wp-image-393787\"\/><\/figure>\n<\/div>\n\n\n<p>In addition, the BMO<sup>&reg;<\/sup> AIR MILES<sup>&reg;<\/sup> World Elite Mastercard<sup>&reg;<\/sup>* offers a range of benefits:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>25% discount<\/strong> on the number of AIR MILES miles required for a flight reservation (maximum of 750 miles per year)<\/li>\n\n\n\n<li>Earn AIR MILES Onyx status automatically<\/li>\n\n\n\n<li>Free access to <strong>Boingo<\/strong><strong> WiFi hotspots<\/strong> worldwide<\/li>\n\n\n\n<li>Earn <strong>double miles<\/strong> with the AIR MILES Collector Card at our partners<\/li>\n\n\n\n<li><a href=\"https:\/\/mtr.mastercardservices.com\/fr\" target=\"_blank\" rel=\"noopener\">Mastercard Travel Rewards<\/a> Benefits<\/li>\n\n\n\n<li>Free membership to DragonPass network lounges (with paid admission at $32 USD per person)<\/li>\n\n\n\n<li>Enjoy six months of Instacart+ membership and a monthly Instacart credit of $10 when you sign up with your eligible BMO credit card.<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-it-s-a-tie\">It&#039;s a tie&nbsp;!<\/h5>\n\n\n\n<p>Other benefits include travel. Depending on the needs of the traveler, his heart will swing between the two cards.<\/p>\n\n\n\n<p>However, avoiding the 2.5% foreign currency conversion charge and access to VIP lounges do provide some benefit.<\/p>\n\n\n\n<p>For AIR MILES Collectors who redeem their miles to book airline tickets, the 25% annual discount is a welcome benefit.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>So? Which card wins this duel?<\/p>\n\n\n\n<p>The <a class=\"thirstylink\" title=\"Scotiabank Passport\u2122 Visa Infinite*+ Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/cartes-de-credit\/carte-visa-infinite-passeport-banque-scotia\/\">Scotiabank Passport Visa Infinite + Card<\/a>!<\/p>\n\n\n\n<p>It stands out for:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>The first part of the welcome offer is easy to obtain;<\/li>\n\n\n\n<li>Accumulation of 2 or 3 points in the grocery store;<\/li>\n\n\n\n<li>Variety of accumulation categories;<\/li>\n\n\n\n<li>The flexibility to use Scene+ points for travel;<\/li>\n\n\n\n<li>The savings generated by travel due to the absence of conversion costs;<\/li>\n\n\n\n<li>6 free accesses to airport lounges;<\/li>\n\n\n\n<li>Lowest annual income requested;<\/li>\n\n\n\n<li>Insurance.<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22642\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>The BMO<sup>&reg;<\/sup> AIR MILES<sup>&reg;<\/sup> World Elite Mastercard<sup>&reg;<\/sup>* stands out from the crowd:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>People who want to redeem their Cash Miles at Shell and other gift cards, or their Dream Miles for <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/air-miles-disney-tickets\/\" target=\"_blank\" rel=\"noopener\">tickets to Disney and Universal<\/a>.<\/li>\n\n\n\n<li>Its use at Costco<\/li>\n\n\n\n<li>People who book at least one airline ticket per year can take advantage of the 25% discount with AIR MILES.<\/li>\n\n\n\n<li>Obtain Onyx member status automatically<\/li>\n\n\n\n<li>Its lowest annual fee<\/li>\n<\/ul><\/div>\n\n\n\n<p>Anyway, these are two cards that we recommend in many of our rankings:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/forex\/\">The Best No Foreign Transaction Fee Credit Cards<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/best-credit-cards-for-costco\/\">The Best Credit cards For Costco<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/visa\/\">The Best Visa Credit cards<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/mastercard\/\" target=\"_blank\" rel=\"noopener\">The Best Mastercard Credit Cards<\/a><\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"80520,83889\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faq-scotia-passport-vs-bmo-air-miles\">Frequently Asked Questions about Scotiabank Passport Visa Infinite vs BMO AIR MILES World Elite<\/h2>\n\n\n\n<p>Here are frequently asked questions in <a target=\"_blank\" class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"\/go\/fbgroupe\/\" rel=\"nofollow noindex\">the milesopedia community<\/a> about this card.<\/p>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_card_has_the_better_welcome_bonus_scotiabank_passport_or_bmo_air_miles_world_elite_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card has the better welcome bonus, Scotiabank Passport or BMO AIR MILES World Elite?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The Scotiabank Passport Visa Infinite offers up to 60,000 Scene+ points worth approximately $600 after spending $2,000 in 3 months, while the BMO AIR MILES World Elite Mastercard offers up to 7,000 AIR MILES worth approximately $735 after a first purchase plus $5,000 in 6 months. On dollar value alone, BMO edges out Scotiabank, but Scene+ points unlock faster (3 months vs 6 months) and offer more flexible redemption. Cardholders chasing maximum welcome value often apply to both within the same calendar year to capture roughly $1,335 combined.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_card_is_better_for_international_travel_scotiabank_passport_or_bmo_air_miles_world_elite_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card is better for international travel, Scotiabank Passport or BMO AIR MILES World Elite?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The Scotiabank Passport Visa Infinite wins decisively for international travel because it charges 0 percent foreign transaction fees, saving 2.5 percent on every overseas purchase, and includes 6 complimentary Priority Pass airport lounge visits per year worldwide. The BMO AIR MILES World Elite charges the standard 2.5 percent foreign fee and offers Mastercard Travel Pass lounge access on a paid-per-visit basis. For someone spending $10,000 per year abroad, the Scotiabank Passport saves $250 in fees alone, plus easily $200 to $600 in lounge access value.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_the_points_earning_rates_compare_between_these_two_cards_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do the points earning rates compare between these two cards in Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The Scotiabank Passport Visa Infinite earns 3X Scene+ at Sobeys-affiliated grocers (IGA, Safeway, FreshCo), 2X on dining and entertainment, and 1X elsewhere. The BMO AIR MILES World Elite Mastercard earns 3X miles per $25 at AIR MILES partners (Sobeys, Shell, Metro Quebec, Rexall) and 1X per $25 elsewhere. For households shopping primarily at Sobeys-family stores in Atlantic Canada or Western Canada, the Scotiabank Passport&#8217;s per-dollar earning is more generous; the BMO card pulls ahead for Quebec residents at Metro and IGA Quebec or Shell-loyal drivers.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_card_is_better_for_redeeming_points_on_travel_scotiabank_passport_or_bmo_air_miles_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card is better for redeeming points on travel, Scotiabank Passport or BMO AIR MILES?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Scene+ points from the Scotiabank Passport Visa Infinite redeem at 1 cent per point (10,000 points = $100) toward any travel purchase via statement credit, with no booking restrictions. BMO AIR MILES on the World Elite Mastercard redeem at 1 mile per $0.105 toward flights through AIR MILES Travel, with restrictions on partners and dates. Scene+ flexibility wins for last-minute or independent travelers; AIR MILES rewards work better for collectors using specific partner flights through WestJet&#8217;s loyalty network or for in-store Cash Miles redemptions at Sobeys.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>The AIR MILES program will transition to the new Blue Rewards program in summer 2026. Members\u2019 Miles will be converted to Blue points at an equivalent value. For full details on these changes, read our post on Blue Rewards.<\/p>","protected":false},"author":127,"featured_media":395792,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[743,697],"class_list":["post-254405","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_issuer-bmo-en","mc_issuer-scotiabank","mc_loyalty_program-air-miles-en","mc_loyalty_program-sceneplus","mc_market-all-of-canada","tutorial-comparisons","travel_type-beginner"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard | Milesopedia<\/title>\n<meta name=\"description\" content=\"Let&#039;s compare two credit cards: the Scotiabank Passport Visa Infinite Card vs. the BMO AIR MILES World Elite Mastercard.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-mastercard-bmo-air-miles-world-elite-vs-scotiabank-passport-visa-infinite\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard\" \/>\n<meta property=\"og:description\" content=\"Let&#039;s compare two credit cards: the Scotiabank Passport Visa Infinite Card vs. the BMO AIR MILES World Elite Mastercard.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-mastercard-bmo-air-miles-world-elite-vs-scotiabank-passport-visa-infinite\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/groups\/milesopedia\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-02T13:47:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-09T08:31:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/07\/Cartes-Comparatifs-Visa-Infinite-Passeport-Scotia-vs-MC-BMO-AIR-MILES-World-Elite-ENG.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2400\" \/>\n\t<meta property=\"og:image:height\" content=\"1260\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Caroline Tremblay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@milesopedia\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Caroline Tremblay\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/comparison-mastercard-bmo-air-miles-world-elite-vs-scotiabank-passport-visa-infinite\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/comparison-mastercard-bmo-air-miles-world-elite-vs-scotiabank-passport-visa-infinite\\\/\"},\"author\":{\"name\":\"Caroline Tremblay\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#\\\/schema\\\/person\\\/bb854d6884fc35bec7910372b2bd569f\"},\"headline\":\"Head-to-Head: Scotiabank Passport Visa Infinite vs. BMO AIR MILES World Elite Mastercard\",\"datePublished\":\"2026-01-02T13:47:00+00:00\",\"dateModified\":\"2026-05-09T08:31:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/comparison-mastercard-bmo-air-miles-world-elite-vs-scotiabank-passport-visa-infinite\\\/\"},\"wordCount\":2274,\"publisher\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/comparison-mastercard-bmo-air-miles-world-elite-vs-scotiabank-passport-visa-infinite\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/Cartes-Comparatifs-Visa-Infinite-Passeport-Scotia-vs-MC-BMO-AIR-MILES-World-Elite-ENG.jpg\",\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/comparison-mastercard-bmo-air-miles-world-elite-vs-scotiabank-passport-visa-infinite\\\/\",\"url\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/comparison-mastercard-bmo-air-miles-world-elite-vs-scotiabank-passport-visa-infinite\\\/\",\"name\":\"Head-to-Head: Scotia Passport vs BMO AIR MILES World Elite - 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