Offer
- Get a 2.99% introductory interest rate with 0% fee on balance transfers for the first 6 months (22.99% after that; annual fee $39). The offer ends on October 31, 2025.
- Earn 2% cash back on all eligible purchases at gas stations, grocery stores, drugstores and on recurring payments.
- Earn 1% cash back on all other eligible purchases.
Fees & Conditions
Advantages
Earnings
Per dollar of purchases
Insurance
Travel Insurance
There may be a daily maximum amount depending on the type of fees paid
Other Insurance
Our review
The Scotia Momentum Visa Card is a great cash-back credit card in Canada.
With the Scotia Momentum Visa Card, you get:
- 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
- 1% cash back on everything else
This is a perfect Visa credit card to earn cash back rewards.
And you can get a 2.99% introductory interest rate with 0% fee on balance transfers for the first 6 months.
Frequently Asked Questions
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What are the annual fees for the Scotia Momentum Visa Card?
The card has an annual fee of $39.
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What are the interest rates for purchases and cash advances?
The rate is 19.99% for purchases and 22.99% for cash advances.
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What cashback does this card offer?
It offers 2% cash back on eligible purchases at gas stations, grocery stores, drugstores and on recurring payments, and 1% cash back on all other eligible purchases.
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Are there any discounts for car rentals?
Yes, discounts of up to 25% are available at Avis and Budget.
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What are the card's contactless payment options?
It includes Visa payWave for fast payments and Apple Pay.
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Are additional cards available?
Yes, additional cards are available at extra cost.
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What insurance coverages are included with the card?
It offers purchase insurance and extended protection on most items purchased.
Alternative Cards
Best of April 2025
Legal
*Conditions apply.