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Home Trust Preferred Visa vs. Scotiabank Passport Visa Infinite +

See how your selected cards differ in estimated value, costs and conditions.

Using example spending assumptions

$2,000/month CAD · Travel benefits assumed usable · Same profile for every card

Edit spending

Two-card comparison
Annual Fee
$0.00
First Year Bonus Value
$0.00
No current welcome offer
Net Annual Rewards
$240.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$240.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View card: Home Trust Preferred Visa
Sources & terms
Last verified: October 2, 2026. Confirm current terms with the issuer.Official issuer source for Home Trust Preferred Visa (opens new tab)
Annual Fee
$150.00
First Year Bonus Value
$350.00
Net Annual Rewards
$195.60Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$545.60

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View card: Scotiabank Passport Visa Infinite +
Sources & terms
Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source for Scotiabank Passport Visa Infinite + (opens new tab)
Recently checked facts and sources

These dates apply only to the listed facts. Other terms retain the earlier verification date.

On this comparison

At a glance

At a glance for the selected cards, in selected order.
FactHome Trust Preferred VisaScotiabank Passport Visa Infinite +
Regular annual feeValues differ
$0
$150
Foreign transaction fee
0%
0%
Rewards programValues differ
Cash Back
Scene+
Purchase APRValues differ
21.99%
20.99%

Value

Based on typical spending of $2,000/month, after annual fees. Net annual rewards exclude welcome bonuses.

Value for the selected cards, in selected order.
FactHome Trust Preferred VisaScotiabank Passport Visa Infinite +
First-year valueValues differ
$240
$545.6
Net annual rewardsValues differ
$240
$195.6
Your inputValues differ
—
Needs your input
First-year bonus valueValues differ
$0
$350

Complete estimates

Shared inputs update only cards that use the same existing assumption. Card-specific qualifications remain separate.

Scotiabank Passport Visa Infinite +
Annual estimate assumptions for Scotiabank Passport Visa Infinite +

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Recurring points award

Accountanniversary12months neteligiblepurchases;10000pointsat40000and2000eachcompleteadditional10000;open/goodstanding throughapproximately8weekcredit. Existingcardswitchretainsoriginalaccountanniversary; fullsteadyyear only.

Official recurring-award terms

Verified 2026-10-10. Year 1 timing remains separately reviewed.

This explicitly sets this card’s allocations to $0; your category spending still earns the reviewed base rate.

Needs your input. Unknown answers remain unknown; update the relevant fields above.

Rewards

Rewards for the selected cards, in selected order.
FactHome Trust Preferred VisaScotiabank Passport Visa Infinite +
How you earnValues differ
  • 1% cash back on eligible Canadian-dollar purchases
  • 3 points per $1 at participating Scene+ grocers
  • 2 points per $1 on eligible groceries, dining, entertainment and daily transit
  • 1 point per $1 on all other purchases
Base / other eligible purchasesValues differ
0% cash back
1 points per dollar
Reward conditions

1% cash back on eligible Canadian-dollar purchases.

Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning.

  • Foreign transactions, including online foreign-currency purchases, do not earn cash back.
  • Cash advances, balance transfers, interest and fees are excluded.
  • Eligible purchases earn uncapped 1% cash back; prior-year rewards are credited to the account each January.
  • Not available in Quebec; permanent Canadian residence, age of majority, no current bankruptcy and at least $15,000 annual income are required.
  • Annual estimates exclude contingent service charges, including the $12 inactivity fee after 12 months without credit or debit transactions.
  • Foreign transactions excluded; not available in Quebec; credited each January.
  • Foreign transactions earn no rewards. Estimates exclude service charges, including $12 after 12 months without credit/debit activity; account eligibility and issuer conditions apply.
  • Prior-year cashback is credited in January.
Complete card reward details

3 points per $1 at participating Scene+ grocers; 2 on eligible groceries, dining, entertainment and daily transit; 1 elsewhere.

Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning.

  • Bonus categories have an annual account-spending threshold; base earning applies afterwards.
  • A separate annual 10,000 Scene+ point bonus requires $40,000 in eligible annual purchases.
  • EligiblepostednetVisa purchases;participatinggrocersSobeys/Safeway/IGA/FoodlandparticipatingCoops/FreshCo/Chalo/Thrifty/RachelleBery/LesMarches/Voila3x;othergrocery/dining/entertainment/dailytransit2x. Combined50000accelerators calendarJan1reset, fallback1;cashadvances/transfers/payments/returns/refunds/fees/interestexcluded. Goodstanding. Portalextra3points eligibleSceneTravelcompletedhotel/carbookingincludingtaxfees pluscardbase1 onlyfullycardpaidconfirmedbooking;points-fundedprogrambonusesoutsidecardspendingexcluded. Recurringannualspendbonus10000at40000netaccountpurchases+2000eachadditional10000, accountanniversaryreset;notwelcomebonus. Optionalbankingfeecredits andinsuranceexcluded.
Complete card reward details

Fees

Fees for the selected cards, in selected order.
FactHome Trust Preferred VisaScotiabank Passport Visa Infinite +
Regular annual feeValues differ
$0
$150
Foreign transaction fee
0%
0%
Purchase APRValues differ
21.99%
20.99%
Cash advance APRValues differ
21.99%
22.99%

Eligibility

Approval is up to the issuer.

Eligibility for the selected cards, in selected order.
FactHome Trust Preferred VisaScotiabank Passport Visa Infinite +
Personal annual income
$15,000
—

Insurance & benefits

Insurance & benefits for the selected cards, in selected order.
FactHome Trust Preferred VisaScotiabank Passport Visa Infinite +
Insurance
  • No issuer foreign currency conversion surcharge and purchase securityIncluded
Not listed — check the issuer
Other benefits
—
  • No issuer foreign currency conversion surcharge and airport lounge visitsIncluded

Sources

Sources for the selected cards, in selected order.
FactHome Trust Preferred VisaScotiabank Passport Visa Infinite +
Last verifiedValues differ
Last verified: October 2, 2026
Last verified: October 10, 2026

Approval likelihood, interest expense and actual redemption transactions are not modeled. Verify current issuer terms before applying. WalletReturn methodology

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Advertising disclosure: WalletReturn may earn a commission when you apply through some links. This doesn’t affect how we calculate values or order cards. See our published methodology and advertising disclosure.

Figures are estimates in CAD and rounded for display; rounded contributions may not sum exactly to totals. Ongoing value excludes welcome bonuses, one-time benefits and rebates. Interest expense is not deducted. Benefits depend on your profile and issuer terms.