Momentum's 4% Rent Cashback Ends October 22. Keep Earning Rewards on Rent with Casa.
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Starting October 22, 2026, rent payments made with a Scotiabank Momentum Visa Infinite+ Card will earn just 1% cash back instead of 4%. But for renters looking to continue earning meaningful rewards on their biggest monthly expense, Casa offers a compelling alternative. Pay rent through Casa with the ScotiaGold Passport Visa Card with no transaction fees, plus earn 1 Scene+ point per dollar of rent when you spend at least $350 on everyday purchases with the card each month.
For someone paying $2,500 a month in rent, the value adds up quickly. That's 30,000 Scene+ points annually, worth $300, plus another $525 in savings from avoiding Casa's standard 1.75% transaction fee charged on payments made with other Canadian credit cards. Combined, that's $825 in annual value. And because Casa handles the payment directly, there's no need for your landlord to accept credit cards or change how they receive rent.
What changes for your rent on October 22
Until now, rent payments have qualified as recurring bill payments on the Scotia Momentum Visa Infinite+ Card, earning cardholders 4% cash back. Starting October 22, 2026, that changes. Under Scotiabank's updated cash back program terms, rent and tax payments will no longer qualify for the 4% recurring bill category and will instead earn the card's base rate of 1%.
The good news is that the rest of the card's rewards program remains unchanged. Cardholders will continue earning 4% cash back on groceries and eligible recurring bills, including phone, insurance and subscription payments, on up to $25,000 in annual purchases. The Momentum Visa Infinite+ remains a strong everyday rewards card, but when it comes to paying rent, the value proposition is changing.
A better way to earn rewards on rent
Paying rent by credit card typically comes with transaction fees that can offset the rewards you earn. Casa changes that equation when paired with the ScotiaGold Passport Visa Card. Renters pay no transaction fees and can earn 1 Scene+ point per dollar of rent when they spend at least $350 on everyday purchases with the card each month.
For someone paying $2,500 a month in rent, avoiding Casa's standard 1.75% credit card transaction fee means $525 in annual savings, before counting the Scene+ points you earn. Casa is not yet available in Quebec, but our comparison covers alternative rent payment platforms available to Quebec renters.
Casa: pay rent by card without changing how your landlord gets paid
Casa makes it easy to pay your rent or condo fees by credit or debit card, even if your landlord doesn't accept card payments. Simply enter your address, add your card and choose your payment date. According to Casa, your landlord doesn't need to sign up, change how they collect rent or do anything differently: Casa handles the payment, and your landlord receives the funds as usual. The platform is currently available across Canada, excluding Quebec, and is offered in English only.
Transaction fees depend on the card you use:
- ScotiaGold Passport Visa Card: 0%
- Visa and Mastercard debit cards: 1%
- Canadian credit cards: 1.75%
- International credit cards: 2.4%
Casa also works directly with leading property managers, including FirstService Residential, DEL Property Management, Realstar and Westdale Properties, among others. According to Scotiabank's March 2, 2026 news release, Casa's property management network covers more than 500,000 homes.
The ScotiaGold Passport Visa Card Benefits
The ScotiaGold Passport Visa Card is issued by Scotiabank, and applications are made directly through the bank. It's the only credit card that lets you pay rent through Casa with no transaction fees. Plus, when you spend at least $350 on everyday purchases with the card each month, you'll earn 1 Scene+ point for every dollar of rent paid, turning your biggest monthly expense into an opportunity to earn rewards.
- Annual fee: $110, waived the first year for a new account
- Welcome offer: 10,000 Scene+ points after $2,000 in everyday purchases (rent excluded) in the first 3 months
- Points on everyday purchases: 1 Scene+ point per dollar
- Points on rent through Casa: 1 Scene+ point per dollar, if you put at least $350 in other purchases on the card in the same month
The card also includes emergency medical travel insurance up to $1 million, for travellers under 65 and for up to 25 consecutive days. On top of that, you get collision coverage for rental cars (up to 48 days), baggage insurance and 90 days of purchase protection.
Scene+ points can be redeemed with participating partners, including for groceries and gas. At a value of 1¢ per point, 5,000 points are worth $50 and 10,000 points are worth $100.
How much your rent earns you with Casa
Here is what the ScotiaGold Passport Visa Card earns you on Casa for $2,500 a month in rent, or $30,000 a year:
- Scene+ points: 30,000 a year, worth $300
- Transaction fees saved: $525 a year
- Total annual value: $825
- Total first-year value with the 10,000-point welcome offer: $925
How to read these numbers: transaction-fee savings compare the ScotiaGold Passport Visa Card's 0% fee on Casa with the 1.75% Casa charges with other Canadian credit cards. The points value assumes 1 Scene+ point per dollar of rent, at 1¢ per point, and at least $350 in other purchases on the card each month. The $110 annual fee, waived in the first year, is not deducted: from year two, you keep $715 once that fee is paid.
| Monthly rent | Scene+ points per year | Points value | Transaction fees saved per year | Total annual value |
|---|---|---|---|---|
| $1,500 | 18,000 | $180 | $315 | $495 |
| $2,000 | 24,000 | $240 | $420 | $660 |
| $2,500 | 30,000 | $300 | $525 | $825 |
Bottom line: Casa for rent, Momentum for 4% categories
The Momentum Visa Infinite+ still makes sense for groceries and other eligible recurring bills, where it continues to earn 4%. Starting October 22, however, rent only earns 1% on it. For a tenant outside Quebec, Casa paired with the ScotiaGold Passport Visa Card gives you no transaction fees and 1 Scene+ point per dollar of rent, as long as you put $350 in everyday purchases on the card each month.
To sign up, go to paywithcasa.com. And to get our analysis every Sunday, sign up for our newsletter.
Frequently Asked Questions
What changes on October 22 for Momentum cards?
Starting October 22, 2026, rent and tax payments no longer count as recurring bills on Scotiabank Momentum cards. On the Scotia Momentum Visa Infinite+ Card, they earn 1% cash back instead of 4%. Eligible groceries and other recurring bills still earn 4%.
Should I close my Momentum card?
No. The Momentum Visa Infinite+ still earns 4% on eligible groceries and recurring bills, on up to $25,000 in purchases a year. Keep using it for those categories and use Casa with the ScotiaGold Passport Visa Card for rent.
Is Casa available in Quebec?
No, not currently. If you live in Quebec, our comparison of rent payment platforms covers the options available in your province.
What are Casa's transaction fees?
Casa charges 0% with the ScotiaGold Passport Visa Card. With another card, fees are 1% with Visa or Mastercard debit cards, 1.75% with Canadian credit cards and 2.4% with international credit cards.
Is there a condition to earn points on rent?
Yes. You need to make at least $350 in other purchases on the ScotiaGold Passport Visa Card that month to earn Scene+ points on your rent.
How much value can I get on $2,500 a month in rent with Casa?
You earn 30,000 Scene+ points a year, worth $300 at 1¢ per point, when you meet the $350 monthly spend requirement. Compared with the 1.75% fee Casa charges with other Canadian credit cards, the ScotiaGold Passport Visa Card also saves you $525 a year in transaction fees: $825 in total annual value, before the card's $110 annual fee.
Does the ScotiaGold Passport Visa Card have an annual fee?
Yes. The annual fee is $110, and Scotiabank waives it for the first year for new accounts.
Does my landlord need to accept Casa?
No. Your landlord doesn't need to accept credit cards or set anything up with Casa: Casa handles the payment.