At first glance, the ScotiaGold Passport Visa doesn’t appear to have anything like as much to offer as the Scotiabank Passport Visa Infinite. It is, however, important to look at the details. If your travel is mainly within Canada and you’re not particularly bothered about international online shopping then the 5% cashback on travel booked through the Scotia Rewards Travel Service could be a tasty saving.

The Scotia Momentum Visa Infinite is another huge competitor to the Scotiabank Passport Visa Infinite. In fact, the choice between them is probably going to come down to whether or not you’re going to use the card more internationally (including online shopping) or in Canada.

If you’re mainly going to use the card for international travel and international online shopping, then saving 2.5% on currency conversion fees will probably work out a better deal than earning up to 2% cashback. If, however, you’re mainly going to use the card domestically then the cashback could work out the much better option.

What’s more, the Scotia Momentum Visa Infinite also comes with a range of additional benefits, many of which are geared towards travel. This means that it arguably qualifies as a “travel and lifestyle” card as well as a cashback card.

This is a “no-frills” card, although cardholders do still get access to discounts at participating AVIS and Budget car rentals in Canada and the U.S.A. If, however, you regularly carry a balance, especially a higher one, then the interest rate of 12.99% on both purchases and cash advances could benefit you much more than rewards. What’s more, the annual fee is only $29.

With a minimum credit limit of $5,000, the Scotiabank Passport Visa Infinite is likely to be within the reach of even newer small businesses i.e. ones that don’t yet have a great credit score. This limit is, however, enough for business travellers to feel secure that they have funds available to them, especially if the key “big-ticket” purchases are booked up-front and paid off.

A small business is highly unlikely to have a dedicated department to handle business travel. The chances are that it’s going to be organized by someone who has all kinds of other things to do. This means that having a straightforward way to book everything plus all insurance organized is probably going to make life a lot easier for them (and hence for whoever’s doing the travelling).

As previously mentioned, Visa and Mastercard currently both have wider acceptance than American Express. This means that your employees should never be in a position where they have to use their personal cards to pay because their business card is not accepted. This is better for them and makes processing expenses easier for your business.