{"id":22646,"date":"2025-07-02T09:00:00","date_gmt":"2025-07-02T13:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/card\/scotia-momentum-visa-card"},"modified":"2026-03-27T09:59:03","modified_gmt":"2026-03-27T13:59:03","slug":"scotia-momentum-visa-card","status":"publish","type":"card","link":"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-card\/","title":{"rendered":"Scotia Momentum<sup>&reg;<\/sup> Visa* Card"},"excerpt":{"rendered":"<p>Terms of the offer 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)\u25ca Cash back with low annual fee 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments 1% cash back on all other eligible everyday purchases Rates, fees and [&hellip;]<\/p>","protected":false},"author":3,"featured_media":484568,"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-22646","card","type-card","status-publish","has-post-thumbnail","hentry","mc_card_type-credit-card","mc_network-visa-en","mc_issuer-scotiabank","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],"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 Visa Card?","mc_faq_answer":"<p>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. <\/p>"},{"mc_faq_question":"How does cash back work with the Scotiabank Momentum Visa Card?","mc_faq_answer":"<p>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. <\/p>"},{"mc_faq_question":"What is the cash back offered by this card?","mc_faq_answer":"<p>The Scotiabank Momentum Visa Card is particularly beneficial for:<\/p>\n<ul>\n\t<li>Grocery purchases<\/li>\n\t<li>Drugstores<\/li>\n\t<li>Gas and electric vehicle charging<\/li>\n\t<li>Public transit (bus, taxi, rideshare)<\/li>\n\t<li>Recurring bill payments (utilities, gym, insurance)<\/li>\n\t<li>Digital subscriptions (video and music streaming)<\/li>\n<\/ul>\n<p>These bonus categories make the Scotiabank Momentum Visa Card an attractive option for maximizing recurring monthly expenses.<\/p>"},{"mc_faq_question":"How do I use the cash back from the Scotiabank Momentum Visa Card?","mc_faq_answer":"<p>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.  <\/p>"},{"mc_faq_question":"Does the cash back on the Scotiabank Momentum Visa Card expire?","mc_faq_answer":"<p>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. <\/p>"},{"mc_faq_question":"Does the Scotiabank Momentum Visa Card allow for additional cards?","mc_faq_answer":"<p>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. <\/p>"},{"mc_faq_question":"What additional benefits does the Scotiabank Momentum Visa Card offer?","mc_faq_answer":"<p>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. <\/p>"},{"mc_faq_question":"Does the Scotiabank Momentum Visa Card include insurance coverage?","mc_faq_answer":"<p>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. <\/p>"},{"mc_faq_question":"Who can apply for the Scotiabank Momentum Visa Card?","mc_faq_answer":"<p>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. <\/p>"},{"mc_faq_question":"Who is the Scotiabank Momentum Visa Card for?","mc_faq_answer":"<p>The Scotiabank Momentum Visa Card is particularly suitable for:<\/p>\n<ul>\n\t<li>Families who spend a lot on groceries and subscriptions<\/li>\n\t<li>Drivers and public transit users<\/li>\n\t<li>Consumers wanting a simple cash back card<\/li>\n\t<li>People looking for a more accessible alternative to premium cards<\/li>\n<\/ul>\n<p>Thanks to its bonus categories on essential expenses, the Scotiabank Momentum Visa Card is designed to optimize everyday purchases.<\/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 Visa* Card | April 2026<\/title>\n<meta name=\"description\" content=\"The Scotiabank 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