What are the Visa Infinite benefits of the Scotia Momentum® VISA Infinite* Card?

As the Scotia Momentum® VISA Infinite* card is a Visa Infinite credit card, you benefit from several advantages: Visa Infinite Luxury Hotel Collection Visa Infinite Concierge Visa Infinite Dining Series Wine country benefits Troon Rewards for Golf

What insurance coverage does the Scotia Momentum® VISA Infinite* card provide?

With the Scotia Momentum® VISA Infinite* Card, you’ll benefit from many insurance coverages: Travel Medical Insurance Trip Cancellation and Trip Interruption Insurance Flight Delay Insurance Delayed and Lost Baggage Insurance Common Carrier Travel Accident Insurance Rental Car Collision Loss/Damage Insurance New Mobile Device Insurance Purchase Security Extended Warranty Protection

How much cash back can I earn with the Scotia Momentum® VISA Infinite* card?

With the Scotia Momentum® VISA Infinite* card, you get: 4% on groceries and recurring payments 2% on gas and daily transit 1% cash back on all other purchases

How do I use my Scotia Momentum® VISA Infinite* card cash back?

You can use Scotia Momentum Visa Infinite cash back for a Statement credit on any purchase.

How do I apply for a Scotia Momentum® VISA Infinite* card?

To apply for the Scotia Momentum® VISA Infinite* card, click the Apply Now button. You will be redirected to the Scotiabank’s website where you can securely apply for this credit card. Scotiabank will then let you know if you are approved for that credit card. If you are approved, you will receive your Scotia Momentum® VISA Infinite* card by mail.

Is the Scotia Momentum® VISA Infinite* Card the best credit card from Scotiabank?

Yes, the Scotia Momentum® VISA Infinite* card is one of the best credit cards offered by Scotiabank. The Scotia Momentum® VISA Infinite* card stands out thanks to: Cash back earning rate Insurance coverage

How does the Scotia Momentum Visa Infinite compare with other credit cards?

On Milesopedia, you can easily compare credit cards. You can, therefore, add the Scotia Momentum Visa Infinite Card to the credit card comparator and compare it with other credit cards.

Is The Scotia Momentum® Visa Infinite* Card the best credit card for Chexy?

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).

Scotia Momentum® Visa Infinite* Card

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. Extended offer ends October 31, 2025
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.

Card Awards

2025-Milesopedia-Palmares-Meilleure-carte-credit-Paiements-Recurrents

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

Groceries

GAS / TRANSPORT

DINING

TRAVEL

BILLS

OTHER

Welcome Bonus

$200

0 $

First Year Annual Fee Rebate

First year offer value

$320

Rewards Earned

$528

Annual fee

$120

Net value

$848

$408

How we value points and benefits.

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

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

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% cash back 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!

Milesopedia Links

Frequently Asked Questions

What are the Visa Infinite benefits of the Scotia Momentum® VISA Infinite* Card?
As the Scotia Momentum® VISA Infinite* card is a Visa Infinite credit card, you benefit from several advantages:
- Visa Infinite Luxury Hotel Collection
- Visa Infinite Concierge
- Visa Infinite Dining Series
- Wine country benefits
- Troon Rewards for Golf
What insurance coverage does the Scotia Momentum® VISA Infinite* card provide?
With the Scotia Momentum® VISA Infinite* Card, you’ll benefit from many insurance coverages:
- Travel Medical Insurance
- Trip Cancellation and Trip Interruption Insurance
- Flight Delay Insurance
- Delayed and Lost Baggage Insurance
- Common Carrier Travel Accident Insurance
- Rental Car Collision Loss/Damage Insurance
- New Mobile Device Insurance
- Purchase Security Extended Warranty Protection
How much cash back can I earn with the Scotia Momentum® VISA Infinite* card?
With the Scotia Momentum® VISA Infinite* card, you get:
- 4% on groceries and recurring payments
- 2% on gas and daily transit
- 1% cash back on all other purchases
How do I use my Scotia Momentum® VISA Infinite* card cash back?

You can use Scotia Momentum Visa Infinite cash back for a Statement credit on any purchase.
How do I apply for a Scotia Momentum® VISA Infinite* card?

To apply for the Scotia Momentum® VISA Infinite* card, click the Apply Now button. You will be redirected to the Scotiabank’s website where you can securely apply for this credit card.

Scotiabank will then let you know if you are approved for that credit card. If you are approved, you will receive your Scotia Momentum® VISA Infinite* card by mail.
Is the Scotia Momentum® VISA Infinite* Card the best credit card from Scotiabank?
Yes, the Scotia Momentum® VISA Infinite* card is one of the best credit cards offered by Scotiabank.

The Scotia Momentum® VISA Infinite* card stands out thanks to:
- Cash back earning rate
- Insurance coverage
How does the Scotia Momentum Visa Infinite compare with other credit cards?

On Milesopedia, you can easily compare credit cards. You can, therefore, add the Scotia Momentum Visa Infinite Card to the credit card comparator and compare it with other credit cards.
Is The Scotia Momentum® Visa Infinite* Card the best credit card for Chexy?

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).