Advertisers are not responsible for the content of this site, including any editorials or reviews that may appear on this site. For complete and current information about any information on any advertiser product, please visit their website. We have business relationships with certain partners mentioned in our communication channels. While we may receive compensation if you sign up to a product or service through our affiliate links, our analyses and content are based on objective evaluation. †Terms and conditions apply.
SPECIAL OFFER: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
No annual fee in the first year, including on supplementary cards.
Per dollar of purchases
This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
The Scotia Momentum Visa Infinite Card is recognized, year after year, as one of the best cash back credit cards in Canada. Milesopedia has even named it best cash back credit card in 2026.
Currently, thanks to this promotional offer, the Scotia Momentum Visa Infinite Card has no annual fee for the first year, including on supplementary cards. And you can earn 10% cash back on all purchases for the first three months (up to $2,000 in total purchases).
With the Scotia Momentum® VISA Infinite* card, you get:
For example, if you spend $1,000 per month on grocery purchases and/or recurring payments, you will earn $40 in cash back per month, or $480 per year, with this card, for this purchase category! And that’s not counting the other purchases you will make with this card and the benefits it offers (including its excellent insurance coverage).
If you are a renter, you could for example use the Scotia Momentum Visa Infinite Card on the Chexy site to pay your rent and earn 4% cash back!
Also note that you can use your cash back at any time (the cash back balance must be at least $25).
The Scotia Momentum Visa Infinite Card is a cash back credit card designed to reward everyday spending such as groceries, recurring payments, gas, and transportation. The Scotia Momentum Visa Infinite Card also offers Visa Infinite benefits, including travel insurance and hotel privileges.
With the Scotia Momentum® VISA Infinite* Card, you’ll benefit from many insurance coverages:
The Scotia Momentum Visa Infinite Card allows you to earn cash back on every eligible purchase. Common categories such as groceries and recurring payments offer an enhanced rate, while other purchases generate a base percentage. The cash back earned with the Scotia Momentum Visa Infinite Card can be deposited into an eligible account once the minimum threshold is reached.
No. The cash back balance accumulated with the Scotia Momentum Visa Infinite Card does not expire as long as the account remains open and in good standing. If the account is closed, a limited time period is provided to use the remaining cash back.
To be eligible for the Scotia Momentum Visa Infinite Card, you must meet the minimum personal or household income criteria, or hold a certain level of assets under management. The Scotia Momentum Visa Infinite Card therefore targets individuals with an established financial profile.
The Scotia Momentum Visa Infinite Card is particularly advantageous for grocery spending, recurring payments (subscriptions, utilities), gas, and public transit. Households with significant monthly spending in these categories maximize the cash back potential of the Scotia Momentum Visa Infinite Card.
In addition to cash back, the Scotia Momentum Visa Infinite Card includes Visa Infinite privileges such as:
These benefits enhance the overall value of the Scotia Momentum Visa Infinite Card beyond simple cash back.
Yes, the Scotia Momentum® VISA Infinite* Card is the best cash-back credit card for paying your rent with Chexy. You’ll earn 4% cash back on your Chexy rent (recurring payment).
The cash back accumulated with the Scotia Momentum Visa Infinite Card can be redeemed online via the banking portal. Once the minimum threshold is reached ($25), the primary cardholder or co-holder can select the eligible account and deposit the desired amount.
Yes. The Scotia Momentum Visa Infinite Card allows the addition of supplementary cards for family members. Purchases made with supplementary cards contribute to the cash back accumulation of the primary Scotia Momentum Visa Infinite Card account.
The Scotia Momentum Visa Infinite Card is particularly well suited for families with high spending on groceries, subscriptions, and transportation. Thanks to its enhanced rates on common categories and its insurance protections, the Scotia Momentum Visa Infinite Card is a relevant solution for maximizing everyday spending.
*Conditions apply. Rates, fees and other information are effective as of Oct 31, 2025. Subject to change.
Savings are here (if you don’t see the sign-up form, please click here):
You can change your preferences or opt out at any time by clicking on one of the hyperlinks available at the bottom of each newsletter.
If you are already a subscriber and would like to unsubscribe, you can click on the link at the bottom of any of our e-mails.
