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Get an introductory interest rate of 2.99% with a 0% balance transfer fee for the first 6 months (22.99% thereafter; $49 annual fee).
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 Scotiabank Momentum Visa Card is an excellent cash back credit card in Canada.
With the Scotiabank Momentum Visa Card, you get:
It is a very good Visa credit card for cash back. Also note that you can use your cash back at any time (the cash back balance must be at least $25).
Plus, you can benefit from an introductory rate of 2.99% with 0% fees on balance transfers for the first six months.
The Scotiabank Momentum Visa Card is a cash back credit card offered by Scotiabank. The Scotiabank Momentum Visa Card allows you to earn cash back on everyday expenses like groceries, gas, recurring payments, and subscriptions, while offering practical benefits tailored to daily life.
The Scotiabank Momentum Visa Card offers up to 2% cash back on certain eligible everyday purchase categories and 1% on all other purchases. Every transaction made with the Scotiabank Momentum Visa Card automatically earns cash back, without complex registration or manual tracking.
The Scotiabank Momentum Visa Card is particularly beneficial for:
These bonus categories make the Scotiabank Momentum Visa Card an attractive option for maximizing recurring monthly expenses.
The cash back earned with the Scotiabank Momentum Visa Card can be redeemed online once the minimum required balance is reached. The primary cardholder or co-applicant can deposit the cash back into an eligible account directly from the banking portal. The Scotiabank Momentum Visa Card thus offers great flexibility of use.
The cash back balance earned with the Scotiabank Momentum Visa Card does not expire as long as the account remains open and in good standing. If the account is closed, a limited time is granted to claim the remaining cash back.
Yes. The Scotiabank Momentum Visa Card offers the possibility of adding additional cards for family members. Purchases made with these cards contribute to the overall cash back earnings of the Scotiabank Momentum Visa Card.
In addition to cash back, the Scotiabank Momentum Visa Card provides access to discounts on vehicle rentals at Avis and Budget in Canada and the U.S. The Scotiabank Momentum Visa Card also allows the use of the Scotia SelectPay program to spread out certain eligible purchases.
The Scotiabank Momentum Visa Card includes certain protections related to purchases and transactions, according to the terms of the credit agreement. Scotiabank Momentum Visa Cardholders thus benefit from increased security during their daily purchases.
The Scotiabank Momentum Visa Card is accessible with a relatively low minimum credit limit compared to premium cards. The Scotiabank Momentum Visa Card may therefore be suitable for people looking for an affordable cash back card adapted to everyday expenses.
The Scotiabank Momentum Visa Card is particularly suitable for:
Thanks to its bonus categories on essential expenses, the Scotiabank Momentum Visa Card is designed to optimize everyday purchases.
*Conditions apply. Rates, fees and other information are effective as of Oct 31, 2025. Subject to change.
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