The main difference between the American Express Cobalt and the Scotia Passport Visa Infinite Card lies in their rewards structure and unique perks. While both cards offer travel benefits and similar welcome bonuses, they diverge when it comes to their ongoing rewards systems and annual fees.
The American Express Cobalt card boasts a flexible rewards program tailored to those with varied spending habits. With an emphasis on foodies and explorers, it offers impressive points multipliers on dining, groceries, and travel. This card packs a punch with its dynamic points system and coveted Membership Rewards, making it a solid choice for those who appreciate culinary delights and jet-setting adventures.
On the other hand, the Scotia Passport Visa Infinite Card caters to a wider audience, delivering comprehensive travel insurance coverage that includes medical, trip cancellation, and baggage protection. Its rewards structure covers broader spending categories, and it's an excellent fit for those who value peace of mind while globetrotting. While it may not have the same food-focused perks as the Cobalt, its travel-centric benefits make it a compelling option for frequent flyers and those seeking to save on foreign exchange fees.
Both cards offer introductory offers and bonuses that can sweeten the deal, but it's important to assess your spending habits and travel preferences to determine which one aligns best with your lifestyle. Whether you're a food enthusiast seeking culinary experiences or a savvy traveler looking for comprehensive coverage, these cards offer distinct advantages that can elevate your credit card game
 On website |  |
|---|---|
| Description | |
| Offers an attractive rewards program with a focus on earning points quickly on everyday spending categories like dining, streaming subscriptions, and transportation. | Take advantage of the no foreign transaction fee policy. Plus earn up to 3X the Scene+TM points when you spend $1 on eligible grocery, dining, and entertainment purchases |
| Basics | |
| Additional Cardholders | |
| 9 | 10 |
| Card Type | |
| American Express | Visa |
| Minimum Credit Limit | |
| N/A | $5,000.00 |
| Maximum Credit Limit | |
| N/A | N/A |
| Sign up bonus | |
| Signup Bonus Points | |
| 15000 points | 25000 points |
| Signup Bonus Points Required Spend | |
| $750.00 | $1,000.00 |
| Signup Bonus Points Required Spend Terms | |
| eligible purchases every month for 12 months, that's 1,250 Membership Rewards points for each monthly billing period. | eligible purchases in your first 3 months. Plus, earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday net eligible purchases annually. Giving you a total of 35,000 points. |
| Rewards | |
| Rewards Program | |
| American Express Rewards | Scotia Rewards |
| Domestic Rewards Points Earn Rate | |
| 1 | 1 |
| Cashback Percentage Grocery Spend | |
| N/A | N/A |
| Cashback Percentage Petrol Spend | |
| N/A | N/A |
| Cashback Percentage Any Domestic Spend | |
| N/A | N/A |
| Benefits | |
| Airport Lounge Access Included | |
| Yes | No |
| Concierge Service Included | |
| Yes | Yes |
| Cardholder's International Travel Insurance | |
| Yes | Yes |
| Complimentary Flight Voucher Included | |
| No | No |
| Introductory balance transfer | |
| Balance Transfer Rate | |
| N/A | N/A |
| Balance Transfer Period | |
| N/A | N/A |
| Balance Transfer Fee | |
| N/A | N/A |
| Balance Transfer Limit | |
| N/A | N/A |
| Balance Transfer Revert Rate | |
| N/A | N/A |
| Ongoing rates | |
| Cash Advance Rate | |
| 21.99% p.a. | 22.99% p.a. |
| Purchase Rate Ongoing | |
| 21.99% p.a. | 20.99% p.a. |
| Ongoing fees | |
| Annual Fee Ongoing | |
| $155.88 | $150.00 |
| Foreign Exchange Fee Percentage | |
| N/A | 0% |
| Late Payment Fee | |
| $38.00 | N/A |
| Overseas ATM Withdrawal Fee | |
| $5.00 | $5.00 |
| Digital wallets | |
| Apple Pay Enabled | |
| Yes | Yes |
| Google Pay Enabled | |
| Yes | Yes |
| Samsung Pay Enabled | |
| Yes | Yes |
| Eligibility | |
| Available To Existing Customers | |
| No | No |
| Minimum Age | |
| 18 years | 18 years |
| Minimum Credit Rating | |
| Good | Good |
| Minimum Income | |
| N/A | $60,000.00 |
| Temporary Residents Accepted | |
| No | No |
