{"id":22645,"date":"2025-07-02T09:00:00","date_gmt":"2025-07-02T13:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/card\/scotia-momentum-no-fee-visa-card"},"modified":"2026-03-27T09:59:02","modified_gmt":"2026-03-27T13:59:02","slug":"scotia-momentum-no-fee-visa-card","status":"publish","type":"card","link":"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-no-fee-visa-card\/","title":{"rendered":"Scotia Momentum<sup>&reg;<\/sup> No-Fee Visa* Card"},"excerpt":{"rendered":"<p>Terms of the offer 7.99% introductory interest rate on purchases for the first 6 months\u25ca Cash back on everyday spending with no annual fee 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments 0.5% cash back on all other eligible everyday purchases Rates, fees and other information [&hellip;]<\/p>","protected":false},"author":3,"featured_media":484562,"menu_order":0,"template":"","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":""},"mc_loyalty_program":[4250],"class_list":["post-22645","card","type-card","status-publish","has-post-thumbnail","hentry","mc_card_type-credit-card","mc_network-visa-en","mc_issuer-scotiabank","mc_rewards_type-balance-transfer","mc_rewards_type-cash-back","mc_loyalty_program-cashback","mc_best_for-balance-transfer","mc_best_for-grocery","mc_best_for-recurring-payments","mc_best_of-balance-transfer","mc_public-consumers","mc_market-all-of-canada","mc_market-canada"],"acf":{"card_type":[691],"mc_network":720,"mc_network_product":false,"mc_rewards_type":[694,46408],"mc_loyalty_program":4250,"mc_best_for":[785,792,38931],"mc_hide_subscribe":false,"mc_best_of":[47073],"mc_best_of_the_month":false,"mc_business_card":false,"mc_faq":[{"mc_faq_question":"What is the Scotiabank Momentum No Annual Fee Visa Card?","mc_faq_answer":"<p>The Scotiabank Momentum No Annual Fee Visa Card is a cash back credit card offered by Scotiabank with no annual fee. The Scotiabank Momentum No Annual Fee Visa Card lets you earn cash back on everyday spending while keeping a simple, accessible structure.<\/p>"},{"mc_faq_question":"How does cash back work with the Scotiabank Momentum No Annual Fee Visa Card?","mc_faq_answer":"<p>The Scotiabank Momentum No Annual Fee Visa Card offers up to 1% cash back on several categories of eligible everyday purchases, such as groceries, gas, recurring payments, and certain subscriptions. Other eligible purchases made with the Scotiabank Momentum No Annual Fee Visa Card also earn a base cash back rate.<\/p>"},{"mc_faq_question":"Which expenses earn bonus cash back with the Scotiabank Momentum No Annual Fee Visa Card?","mc_faq_answer":"<p>The Scotiabank Momentum No Annual Fee Visa Card provides cash back on:<\/p>\r\n<ul>\r\n\t<li>Grocery and pharmacy purchases<\/li>\r\n\t<li>Gas and electric vehicle charging<\/li>\r\n\t<li>Public transit (bus, taxi, rideshare)<\/li>\r\n\t<li>Recurring bill payments (utilities, gym)<\/li>\r\n\t<li>Streaming service subscriptions<\/li>\r\n<\/ul>\r\n<p>These categories make the Scotiabank Momentum No Annual Fee Visa Card a good fit for everyday spending.<\/p>"},{"mc_faq_question":"How do you redeem the cash back earned with the Scotiabank Momentum No Annual Fee Visa Card?","mc_faq_answer":"<p>Cash back earned with the Scotiabank Momentum No Annual Fee Visa Card can be redeemed once a minimum balance is reached. The primary cardholder or co-applicant can deposit the cash back into an eligible account via the online banking portal. The Scotiabank Momentum No Annual Fee Visa Card therefore offers flexible redemption options.<\/p>"},{"mc_faq_question":"Does the cash back from the Scotiabank Momentum No Annual Fee Visa Card expire?","mc_faq_answer":"<p data-start=\"2346\" data-end=\"2585\">The cash back balance earned with the Scotiabank Momentum No Annual Fee Visa Card does not expire as long as the account remains open and in good standing. If the account is closed, a period is provided to use the remaining cash back.<\/p>"},{"mc_faq_question":"Can you add additional cards to the Scotiabank Momentum No Annual Fee Visa Card?","mc_faq_answer":"<p>Yes. The Scotiabank Momentum No Annual Fee Visa Card allows you to add additional cards at no extra annual fee. Purchases made with these cards contribute to the overall cash back earned on the primary account.<\/p>"},{"mc_faq_question":"What additional benefits does the Scotiabank Momentum No Annual Fee Visa Card include?","mc_faq_answer":"<p>In addition to cash back, the Scotiabank Momentum No Annual Fee Visa Card provides access to discounts on vehicle rentals with AVIS and Budget in Canada and the United States. Scotiabank Momentum No Annual Fee Visa Cardholders can also use Scotia SelectPay to split certain eligible purchases into installments.<\/p>"},{"mc_faq_question":"Does the Scotiabank Momentum No Annual Fee Visa Card include protections?","mc_faq_answer":"<p>The Scotiabank Momentum No Annual Fee Visa Card includes certain protections and terms set out in the credit agreement, including transaction security. It offers a simple solution for consumers looking for a card with no fixed fees.<\/p>"},{"mc_faq_question":"Who is the Scotiabank Momentum No Annual Fee Visa Card for?","mc_faq_answer":"<p>The Scotiabank Momentum No Annual Fee Visa Card is particularly suitable for:<\/p>\r\n<ul>\r\n\t<li>Consumers who want to avoid annual fees<\/li>\r\n\t<li>People with regular grocery and gas spending<\/li>\r\n\t<li>Users looking for a simple, accessible card<\/li>\r\n\t<li>Households that want to earn cash back without an annual financial commitment<\/li>\r\n<\/ul>"},{"mc_faq_question":"Is the Scotiabank Momentum No Annual Fee Visa Card suitable for carrying a balance?","mc_faq_answer":"<p>The Scotiabank Momentum No Annual Fee Visa Card is primarily designed to earn cash back on everyday purchases. It may not be suitable for people who plan to carry an unpaid balance long term. It is recommended to use the Scotiabank Momentum No Annual Fee Visa Card responsibly and pay the balance in full whenever possible.<\/p>"}]},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Scotia Momentum\u00ae No-Fee Visa* Card | April 2026<\/title>\n<meta name=\"description\" content=\"The Scotiabank Momentum Visa Card is one of the best no annual fee Visa credit cards in Canada. 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