Scotia Momentum^® VISA Infinite* Card

Offer

Fees & Conditions

Value

Advantages

Earnings

Per dollar of purchases

Insurance

Travel Insurance

Other Insurance

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

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

And its insurance benefits are excellent!

Frequently Asked Questions

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

  Because the Scotia Momentum® VISA Infinite* Card is a Visa Infinite credit card, you receive several benefits:

  • Visa Infinite Luxury Hotel Collection
  • Visa Infinite Concierge
  • Visa Infinite Dining Series
  • Wine country benefits
  • Troon Rewards for Golf
• What are the insurance coverages of the Scotia Momentum® VISA Infinite* Card?

  With the Scotia Momentum® VISA Infinite* Card, you’ll benefit from many insurance coverages:

  • Travel Emergency Medical Insurance
  • Trip Cancellation and Trip Interruption Insurance
  • Flight delay insurance
  • Delayed and Lost Baggage Insurance
  • Travel Accident Insurance
  • Rental Car Collision Loss/Damage Insurance
  • New Mobile Device Insurance
  • Purchase Security & Extended Warranty Protection
• How much cash back rewards 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% on all other purchases
• How do I redeem cash back rewards earned with my Scotia Momentum® VISA Infinite* Card?

  You can redeem your cash back rewards earned with your Scotia Momentum® VISA Infinite* card as a statement credit for any purchase.

• How do I apply for the Scotia Momentum® VISA Infinite* Card?

  To apply for the Scotia Momentum® VISA Infinite* Card, simply click on 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 approved, you will receive your Scotia Momentum® VISA Infinite* Card in the 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* Card compare to other credit cards?

  On Milesopedia, you can easily compare credit cards. You can add the Scotia Momentum® VISA Infinite* Card to the credit card comparison tool and compare it with other credit cards.

Alternative Cards

Featured

BMO CashBack^® World Elite^®* Mastercard^®*

Up to $260 cash back

First year value : $920

• 5% cash back on groceries
• 3% cash back on gas
• Accepted at Costco

Apply Now Terms apply

Learn More

• Offer
• Card Details
• Rewards
• Advantages

• Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*
• Earn more cash back on the categories that mean the most:
  • 5% on groceries*
  • 4% on transit including ride sharing, taxis and public transportation*
  • 3% on gas and electric vehicle charging*
  • 2% on recurring bill payments like your monthly phone bill or favourite streaming service*
  • 1% unlimited cashback on all other purchases*
• Get the highest cash back earn rate on groceries in Canada.*
• Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
• Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
• Complimentary membership in Mastercard Airport Experiences provided by LoungeKey*.
• Complimentary Roadside Assistance Program*
• Extended Warranty Plus*
• Purchase Protection Plus*
• BMO CashBack World Elite Travel and Medical Protection*
• Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada

Legal

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information *Terms and conditions apply †Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of June 1, 2022

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Annual Fee

• Primary card $120
• Additional card $50

Annual Income Required

• Individual $80,000
• Household $150,000

Conversion fees

• 2.5 %

Interest Rates

• Purchase Rates 20.99 %
• Cash Advance Rates 23.99 %
• Balance Transfer Rates —

Earning Rate

• Groceries5%
• Local Transport4%
• Gas3%

Value

• Year 1 $920
• Year 2+ $420

Best For

Transfer Partners

• Cashback

Advantages

• Annual Credit
• VIP Lounges

• Concierge
• Wifi

• Travel credit

Travel Insurance

Insurance Name

Included

Amount

Duration

Travel Medical Insurance

Travel medical insurance up to 54 years old

$2,000,000

8 day(s)

Travel medical insurance up to 64 years old

$2,000,000

8 day(s)

Travel medical insurance 65+

Trip Cancellation Insurance

Trip Interruption Insurance

Common Carrier Travel Accident Insurance

$500,000

Flight Delay Insurance

$500

Delayed Baggage Insurance

$200

Lost/Stolen Baggage Insurance

$750

Auto Rental Loss/Insurance

$65,000

48 day(s)

Hotel/Motel Burglary Insurance

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{"main":{"value":"200","welcome_bonus":"Up to $260 cash back","estimated_value":380,"mc_welcome_bonus_amount":"260","minimum_spending":"$2,600","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":64,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":27,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":46,"filter":"raw","term_order":"0"},{"term_id":783,"name":"Daily transit","slug":"transit","term_group":0,"term_taxonomy_id":783,"taxonomy":"mc_best_for","description":"","parent":0,"count":17,"filter":"raw","term_order":"0"}],"annual_fee":"120","first_year_fee":true,"loyalty_slug":"cashback","card_slug":"bmo-cashback-world-elite-mastercard"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash Back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":75,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cashback","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":50,"filter":"raw","term_order":"0"},"rewards_groceries":"5","rewards_gas_stations":"3","rewards_restaurants":"1","rewards_travel":"1","rewards_recurring_payments":"2","rewards_allspending":"1","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$50","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"23.99%","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"21.99%","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":true,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}

CIBC Dividend^® Visa Infinite* Card

Up to $250 cash back

First year value : $881

Best of December 2022

• 4% cash back on groceries and gas
• Purchase Insurance
• Visa Infinite Benefits

Apply Now Terms apply

Learn More

• Offer
• Card Details
• Rewards
• Advantages

Welcome Offer: Get a first-year annual fee rebate and earn a 10% cash back welcome bonus of up to $250!†

After that, get 4% cash back on eligible gas and grocery purchases.†

• 2% cash back on eligible transportation, dining purchases and recurring payments†
• 1% cash back on all other purchases†
• Get cash back on demand – redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®†

Save on gas with CIBC and Journie Rewards

Link and use your CIBC Dividend® Visa Infinite* Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Apply Now” link available on this webpage.†

Legal

†Conditions Apply

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Annual Fee

• Primary card $120
• Additional card $30

Annual Income Required

• Individual $60,000
• Household $100,000

Conversion fees

• 2.5 %

Interest Rates

• Purchase Rates 20.99 %
• Cash Advance Rates 22.99 %
  21.99 % (QC)
• Balance Transfer Rates 22.99 %
  21.99 % (QC)

Milesopedia Links

• CIBC Exclusive Offer: Up to $250 cash back and first year free!
• CIBC's Best Credit Cards
• The Best Cash Back Credit Cards in Canada

Earning Rate

• Groceries4%
• Gas4%
• Dining and Food delivery2%

Value

• Year 1 $881
• Year 2+ $391

Best For

Transfer Partners

• Cashback

Advantages

• Annual Credit
• VIP Lounges

• Concierge
• Wifi

• Travel credit

Travel Insurance

Insurance Name

Included

Amount

Duration

Travel Medical Insurance

Travel medical insurance up to 54 years old

$5,000,000

10 day(s)

Travel medical insurance up to 64 years old

$5,000,000

10 day(s)

Travel medical insurance 65+

Trip Cancellation Insurance

Trip Interruption Insurance

Common Carrier Travel Accident Insurance

$500,000

Flight Delay Insurance

Delayed Baggage Insurance

Lost/Stolen Baggage Insurance

Auto Rental Loss/Insurance

$65,000

48 day(s)

Hotel/Motel Burglary Insurance

Read MoreRead Less

Close

{"main":{"value":"250","welcome_bonus":"Up to $250 cash back","estimated_value":370,"mc_welcome_bonus_amount":"250","minimum_spending":"$2,500","minimum_spending_timeframe_months":"4 month(s)","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":64,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":46,"filter":"raw","term_order":"0"}],"annual_fee":"120","first_year_fee":true,"loyalty_slug":"cashback","card_slug":"cibc-dividend-visa-infinite-card"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash Back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":75,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cashback","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":50,"filter":"raw","term_order":"0"},"rewards_groceries":"4","rewards_gas_stations":"4","rewards_restaurants":"2","rewards_travel":"1","rewards_recurring_payments":"1","rewards_allspending":"1","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$30","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"21.99%","mc_balance_transfer_rates_qc":"21.99%"},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":true,"mc_purchase_protection":true,"mc_extended_warranty":true}}

TD Cash Back Visa Infinite* Card – Quebec

Up to $290 cash back^†

Ends May 28, 2023

First year value : $829

• 3% cash back on groceries and gas
• Premium Insurance
• Visa Infinite Benefits

Apply Now Terms apply

Learn More

• Offer
• Card Details
• Rewards
• Advantages

Apply online by May 28, 2023 and earn 10% Cash Back on all Purchases for the first 3 months^† up to a total spend of $2,000.

• After your first $2,000 in Purchases, Gas Purchases, Grocery Purchases and Pre-Authorized Payments will continue to earn 6% up to a total spend of $3,500 for the first 3 months.
• Plus, no Annual Fee^† for the first year for the Primary and Additional Cardholders.

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.

• Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases^†, and on regularly recurring bill payments^† set up on your account
• Earn 1% Cash Back Dollars on all other Purchases made with your Card^†
• Earn Cash Back Dollars on every eligible purchase.
• Redeem your Cash Back Dollars to help pay down your Account balance whenever you please – the choice is yours!^†
• Your Cash Back Dollars never expire as long as your account is open and in good standing
• Emergency Road Services with Deluxe TD Auto Club Membership
• Complimentary Visa Infinite* Concierge service^† available 24/7
• Mobile Device Insurance^†

Legal

^†Terms and conditions apply.

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Annual Fee

• Primary card $139
• Additional card $50

Annual Income Required

• Individual $60,000
• Household $100,000

Conversion fees

• 2.5 %

Interest Rates

• Purchase Rates 20.99 %
• Cash Advance Rates 20.99 %
• Balance Transfer Rates 20.99 %

Earning Rate

• Groceries3%
• Gas3%
• Recurring Payments3%

Value

• Year 1 $829
• Year 2+ $341

Best For

Transfer Partners

• Cashback

Advantages

• Annual Credit
• VIP Lounges

• Concierge
• Wifi

• Travel credit

Travel Insurance

Insurance Name

Included

Amount

Duration

Travel Medical Insurance

Travel medical insurance up to 54 years old

$2,000,000

10 day(s)

Travel medical insurance up to 64 years old

$2,000,000

10 day(s)

Travel medical insurance 65+

$2,000,000

4 day(s)

Trip Cancellation Insurance

Trip Interruption Insurance

Common Carrier Travel Accident Insurance

Flight Delay Insurance

Delayed Baggage Insurance

$1,000

Lost/Stolen Baggage Insurance

$1,000

Auto Rental Loss/Insurance

$65,000

48 day(s)

Hotel/Motel Burglary Insurance

Read MoreRead Less

Close

{"main":{"value":"210","welcome_bonus":"Up to $290 cash back^{\u2020<\/sup>","estimated_value":429,"mc_welcome_bonus_amount":"290","minimum_spending":"$3,500","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":64,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":27,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":46,"filter":"raw","term_order":"0"}],"annual_fee":"139","first_year_fee":true,"loyalty_slug":"cashback","card_slug":"td-cash-back-visa-infinite-card-qc"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash Back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":75,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cashback","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":50,"filter":"raw","term_order":"0"},"rewards_groceries":"3","rewards_gas_stations":"3","rewards_restaurants":"1","rewards_travel":"1","rewards_recurring_payments":"3","rewards_allspending":"1","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$50","mc_foreign_fee":"2.5%","mc_purchase_rates":"","mc_cash_advance_rates":"","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"20.99%","mc_cash_advance_rate_qc":"20.99%","mc_balance_transfer_rates_qc":"20.99%"},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":true,"mc_purchase_protection":true,"mc_extended_warranty":true}}}

Legal