Scotia Momentum® VISA Infinite* card  🇨🇦

Scotia Momentum Visa Infinite
Welcome Bonus
Up to $200 cash back
Ends Oct 31, 2025
  • 4% cash back on groceries
  • 4% cash back on recurring payments
  • Visa Infinite Benefits
Annual Fee
$120
First Year Annual Fee Rebate (terms apply)
Interest rates
Purchase Rates
20.99 %
Cash Advance Rates
22.99 %
Balance Transfer Rates
22.99 %

Scotia Momentum Visa Infinite
Scotia Momentum® VISA Infinite* card
Up to $200 cash back
Ends Oct 31, 2025
Apply Now
Updated Nov 9, 2024

Offer

  • 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. Offer ends 31 Oct 2024.
  • Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
  • Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
  • Earn 1% cash back on all other purchases with no cash back limit.

Fees & Conditions

Personal Income $60,000
Household Income $100,000
Annual Fee $120
First Year Annual Fee Rebate
First Additional Card $50
First Year Annual Fee Rebate - First Additional Card
Other Additional Card $50
Foreign Transaction Fee 2.5%
Purchase Rates 20.99%
Cash Advance Rates 22.99%
Balance Transfer Rates 22.99%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First Year Annual Fee Rebate
-
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Offer ends on Oct 31, 2025
Welcome Bonus amount Up to $200 cash back
Minimum Spending Required $2,000
Minimum Spending Timeframe (Months) 3 month(s)
Concierge

Earnings

Per dollar of purchases

All Spending 1 %
Groceries 4 %
Gas 2 %
Dining and Food delivery 1 %
Convenience Stores 1 %
Drugstores 1 %
Local Transport 2 %
Travel 1 %
Entertainment 1 %
Recurring Payments 4 %
Telecom/Internet 4 %
Streaming services 1 %
Online transactions 1 %
Office Supplies 1 %

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
15 day(s)
Travel medical insurance up to 64 years old
$1,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
$1,000
1 year
Price Protection

Our review

The Scotia Momentum® VISA Infinite* card is recognized year after year as one of the best cash-back credit cards in Canada.

Currently, there is no annual fee in the first year, including on additional 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:

  • 4% on groceries and recurring payments
  • 2% on gas and daily transit
  • 1% on all other purchases

For example, if you spend $1,000 per month on groceries and/or recurring payments, you’ll earn $40 cash back per month, or $480 cash back per year with this card for this category of purchases! And that’s not counting the other purchases you’ll make with this card and the advantages it offers (particularly in terms of insurance).

If you rent, for example, you could use the Scotia Momentum® Visa Infinite* Card on the Chexy website to pay your rent and get 4% cash back!

The Scotia Momentum® VISA Infinite* card is an excellent Visa credit card for cash back.

And its insurance benefits are excellent!

Frequently Asked Questions

Alternative Cards

4 Milesopedia Rating

Receive our newsletter every week!

Savings are here:

Milesopedia