{"id":470914,"date":"2026-02-25T13:15:00","date_gmt":"2026-02-25T18:15:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=470914"},"modified":"2026-02-25T14:36:03","modified_gmt":"2026-02-25T19:36:03","slug":"scotiabank-momentum-new-cash-back-redemption-earn-rates","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/news\/programs\/scotiabank-momentum-new-cash-back-redemption-earn-rates\/","title":{"rendered":"New at Scotiabank: Faster Cash Back Redemption and New Momentum Cards Earn Rates"},"content":{"rendered":"\n<p class=\"has-medium-font-size\">As of February 1, 2026, <a href=\"https:\/\/milesopedia.com\/en\/cards\/scotiabank\/\" type=\"page\" id=\"34580\">Scotiabank<\/a> has enhanced its Momentum Visa cards by allowing reward redemptions starting at $25 and adding new accelerated rates for food delivery and transportation.<\/p>\n\n<p>So, no more waiting for the annual <a href=\"https:\/\/milesopedia.com\/en\/offers\/best-cash-back-cards\/\" type=\"page\" id=\"303253\">cash back<\/a> redemption every November!<\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22637,22646,22645\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-encaisser-ses-remises-en-tout-temps-avec-les-cartes-momentum\">Redeem your Cash Back anytime with Momentum Cards<\/h2>\n\n<p>As of February 1, 2026, you can redeem your cash back rewards as soon as your balance reaches $25, via the Scotia app or Scotia online. This enhancement applies to all cards in the Momentum lineup:<\/p>\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><a rel=\"noindex\" title=\"Carte Visa Infinite Momentum Scotia\" href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-visa-infinite-card\/\" data-shortcode=\"true\">Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card<\/a><\/li>\n\n\n\n<li><a rel=\"noindex\" title=\"Carte VISA Momentum Scotia\" href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-visa-card\/\" data-shortcode=\"true\">Scotia Momentum<sup>&reg;<\/sup> VISA* Card<\/a><\/li>\n\n\n\n<li><a rel=\"noindex\" title=\"Carte VISA Momentum Scotia sans frais annuels\" href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-no-fee-visa-card\/\" data-shortcode=\"true\">Scotia Momentum<sup>&reg;<\/sup> No-Fee VISA* Card<\/a><\/li>\n\n\n\n<li><a rel=\"noindex\" title=\"Carte Visa* Momentum Scotia<sup>MD<\/sup> pour entreprise\" href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-for-business-visa-card\/\" data-shortcode=\"true\">Scotia Momentum<sup>&reg;<\/sup> for business Visa* Card<\/a><\/li>\n<\/ul><\/div>\n\n<p>Previously, cardholders had to wait until November each year to automatically receive their cash back, and could do nothing to receive it when they wanted. <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-nouveaux-taux-de-remises-en-argent-des-cartes-momentum\">New Cash Back Earn Rates for Momentum Cards<\/h2>\n\n<h3 class=\"wp-block-heading\" id=\"h-scotia-momentum-visa-infinite-2-sur-la-livraison-de-nourriture\">Scotia Momentum Visa Infinite: 2% on Food Delivery<\/h3>\n\n<p>The <a rel=\"noindex\" title=\"Carte Visa Infinite Momentum Scotia\" href=\"https:\/\/milesopedia.com\/go\/scotia-visa-infinite-momentum\/\" data-shortcode=\"true\">Scotia Momentum Visa Infinite Card<\/a> adds the food delivery category to earn 2% cash back to its accelerated categories. Here is the new structure:<\/p>\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><strong>4%<\/strong>: Groceries and recurring bill payments<\/li>\n\n\n\n<li><strong>2%<\/strong>: Gas, public transit, and food delivery<\/li>\n\n\n\n<li><strong>1%<\/strong>: All other eligible purchases<\/li>\n<\/ul><\/div>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22637\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n<p>We particularly recommend this card for services like <a rel=\"noindex\" title=\"Chexy\" href=\"https:\/\/milesopedia.com\/go\/chexy\/\" data-shortcode=\"true\">Chexy<\/a>, which allows you to <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/chexy-earn-rewards-rent-payments\/\" type=\"post\" id=\"299514\">pay recurring bills such as rent<\/a>, municipal taxes, income taxes, or other expenses using a credit card. The 4% cash back exceeds the fees charged by Chexy.  <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-scotia-momentum-visa-trois-nouvelles-categories-a-2\">Scotia Momentum Visa: Three New 2% Categories<\/h3>\n\n<p>There is also an improvement in the offer for the <a rel=\"noindex\" title=\"Carte VISA Momentum Scotia\" href=\"https:\/\/milesopedia.com\/go\/carte-visa-momentum-scotia\/\" data-shortcode=\"true\">Scotia Momentum Visa Card<\/a>, with public transit, ridesharing, and food delivery added to its 2% cash back accumulation. <\/p>\n\n<p>The downside is that the annual fee increases from $39 to $49. <\/p>\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><strong>2%<\/strong>: Gas, groceries, pharmacies, recurring bill payments, public transit, ridesharing, and food delivery<\/li>\n\n\n\n<li><strong>1%<\/strong>: All other eligible purchases<\/li>\n<\/ul><\/div>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22646\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n<h3 class=\"wp-block-heading\" id=\"h-scotia-visa-momentum-scotia-sans-frais-annuels-nouvelles-categories-a-1\">Scotia Momentum<sup>&reg;<\/sup> No-Fee VISA* Card: New 1% Categories<\/h3>\n\n<p>The <a rel=\"noindex\" title=\"Carte VISA Momentum Scotia sans frais annuels\" href=\"https:\/\/milesopedia.com\/go\/carte-visa-momentum-scotia-sans-frais-annuels\/\" data-shortcode=\"true\">Scotia Momentum<sup>&reg;<\/sup> No-Fee VISA* Card<\/a> also adds public transit, ridesharing, and food delivery, but at 1%.<\/p>\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><strong>1%<\/strong>: Gas, groceries, pharmacies, recurring bill payments, public transit, ridesharing, and food delivery<\/li>\n\n\n\n<li><strong>0.5%<\/strong>: All other eligible purchases<\/li>\n<\/ul><\/div>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22645\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n<h3 class=\"wp-block-heading\" id=\"h-visa-momentum-scotia&#x1D39;&#x1D30;-pour-entreprise-nouvelles-categories-a-2\">Scotia Momentum Visa for Business*: new 2% categories<\/h3>\n\n<p>Finally, the <a href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-for-business-visa-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">Scotia Momentum Visa for Business* Card<\/a> also adds 2% cashback on shipping services and accounting services.<\/p>\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><strong>3%<\/strong>: Gas, restaurants, office supply stores, recurring payments, and electric vehicle charging stations<\/li>\n\n\n\n<li><strong>2%<\/strong>: Shipping services and accounting services<\/li>\n\n\n\n<li><strong>1%<\/strong>: All other eligible purchases<\/li>\n<\/ul><\/div>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"381463\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-cartes-visa-momentum\">Momentum Visa Cards<\/h2>\n\n<p>The annual wait was the main weakness of these cards. With redemptions starting at $25 whenever you want and new categories for transit and delivery, Scotiabank is aligning itself with current market standards.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-questions-frequemment-posees\">Frequently Asked Questions<\/h2>\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"when_can_i_redeem_my_cash_back_rewards_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhen can I redeem my cash back rewards&nbsp;?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Instant redemption has been available since February 1, 2026, for all Scotia Momentum Visa cards, with a minimum accumulation of $25 via the Scotia app or Scotia online.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"are_annual_fees_increasing_on_all_momentum_cards_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAre annual fees increasing on all Momentum cards?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Only the Scotia Momentum Visa will see its fees increase from $39 to $49 annually. Other Momentum Visa cards will retain their current fees.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_still_wait_for_the_annual_redemption_instead_of_cashing_out_at_25_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I still wait for the annual redemption instead of cashing out at $25?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes, you have the choice. You can cash out from $25 or let your rewards accumulate longer according to your preferences.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Scotiabank eliminates the annual wait for Momentum cards and adds new accelerated cashback rates. 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