{"id":74993,"date":"2023-12-19T12:05:00","date_gmt":"2023-12-19T17:05:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/optimize-the-cash-back-offer-scotia-momentum-visa-infinite-card\/"},"modified":"2025-05-12T14:05:02","modified_gmt":"2025-05-12T18:05:02","slug":"optimize-the-cash-back-offer-scotia-momentum-visa-infinite-card","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/optimize-the-cash-back-offer-scotia-momentum-visa-infinite-card\/","title":{"rendered":"How to maximize the Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* card&#8217;s 10% cash back rate"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;Welcome offer&#8221; el_id=&#8221;welcome_offer&#8221;]<p>The Scotia Momentum Visa Infinite Card is recognized, year after year, as one of the best cash back credit cards in Canada. Milesopedia has even named it <strong>best cash back credit card in 2026<\/strong>. <\/p>\n<p>Currently, thanks to this promotional offer, the Scotia Momentum Visa Infinite Card has <strong>no annual fee for the first year,<\/strong> including on supplementary cards. And you can earn <strong>10% cash back on all purchases<\/strong> for the first three months (up to $2,000 in total purchases). <\/p>\n<p>With the Scotia Momentum\u00ae VISA Infinite* card, you get:<\/p>\n<ul>\n<li><strong>4% cash back on grocery purchases, recurring payments, and subscriptions<\/strong><\/li>\n<li>2% cash back on gas purchases, electric vehicle charging and public transit passes, including bus, taxi and ridesharing, as well as food delivery<\/li>\n<li>1% cash back on all other purchases<\/li>\n<\/ul>\n<p>For example, if you spend $1,000 per month on grocery purchases and\/or recurring payments, you will earn $40 in cash back per month, or <strong>$480 per year,<\/strong> with this card, for this purchase category! And that&rsquo;s not counting the other purchases you will make with this card and the benefits it offers (including its excellent insurance coverage). <\/p>\n<p>If you are a renter, you could for example use the Scotia Momentum Visa Infinite Card on the Chexy site to pay your rent and earn 4% cash back!<\/p>\n<p>Also note that <strong>you can use your cash back at any time<\/strong> (the cash back balance must be at least $25).<\/p>\n<div class=\"wpb_content_element wpb_miles_element\"><\/div>[vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>All you have to do is <strong>spend $2,000 on this card during the first 3 months to maximize this promotion<\/strong>!<\/p>\n<p>But let&#8217;s look at how exactly this 10% cash back welcome bonus works and why it&#8217;s exciting.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;The annual cash back statement credit in November&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;the_annual_cash_back_statement_credit_in_november&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p><a class=\"thirstylink\" title=\"Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card\" href=\"https:\/\/milesopedia.com\/go\/scotia-visa-infinite-momentum\/\">Scotia Momentum<sup>&reg;<\/sup> Visa Infinite* Cardholders<\/a> usually earn their cash back annually,<strong> on the November statement<\/strong>. So a person who signs up in January 2023 will receive their annual cash back in November 2023.<\/p>\n<p>But <strong>regarding the 10% bonus, there will be two installments<\/strong>.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Payment of the 10% bonus&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;payment_of_the_10_bonus&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The 10% cashback applies to the first $2,000 in purchases charged to your card in the first 3 months.<\/p>\n<p>This cash back rate is split like this:<\/p>\n<ul>\n<li>The <strong>normal<\/strong> cash back rate (1% \/ 2% \/ 4% depending on the spending categories)<\/li>\n<li>The <strong>welcome bonus<\/strong> cash back rate (9% \/ 8% \/ 6% depending on the spending categories)<\/li>\n<\/ul>\n<p>And the cash back will be credited to your credit card account <strong>in 2 installments<\/strong>!<\/p>\n<ul>\n<li>The <strong>regular cash back<\/strong> is paid, as usual, on your November credit card statement<\/li>\n<li>The <strong>bonus<\/strong> cash back is paid within 7 months of the end of the offer<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;The 1% category is therefore preferable for the first 3 months!&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;the_1_category_is_therefore_preferable_for_the_first_3_months_&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>During the first 3 months, it&#8217;s in your best interest to use your <a class=\"thirstylink\" title=\"Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card\" href=\"https:\/\/milesopedia.com\/go\/scotia-visa-infinite-momentum\/\">Scotia Momentum<sup>&reg;<\/sup> Visa Infinite* Card<\/a> in 1% categories (i.e. excluding grocery stores, gas stations or local transportation).<\/p>\n<p>Explanations in a table for purchases of $2,000 according to trade category:<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\" border=\"1\">\n<tbody>\n<tr>\n<td style=\"width: 21.6582%; text-align: center;\"><strong>Purchases <\/strong><br \/>\n<strong>of $2,000<\/strong><\/td>\n<td style=\"width: 11.5783%; text-align: center;\"><strong>Cash back <\/strong><br \/>\n<strong>Normal<\/strong><\/td>\n<td style=\"width: 12.6783%; text-align: center;\"><strong>Cash back <\/strong><br \/>\n<strong>as a bonus<\/strong><\/td>\n<td style=\"width: 26.4623%; text-align: center;\"><strong>Regular Cash back <\/strong><br \/>\n<strong>next November<\/strong><\/td>\n<td style=\"width: 27.6227%; text-align: center;\"><strong>Bonus Cash back <\/strong><br \/>\n<strong>7 months after the end of the offer<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 21.6582%; text-align: center;\">Other Businesses like Costco<\/td>\n<td style=\"width: 11.5783%; text-align: center;\">1&nbsp;%<\/td>\n<td style=\"width: 12.6783%; text-align: center;\"><strong>9&nbsp;%<\/strong><\/td>\n<td style=\"width: 26.4623%; text-align: center;\"><strong>$20<\/strong><\/td>\n<td style=\"width: 27.6227%; text-align: center;\"><strong>$180<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 21.6582%; text-align: center;\">Gas stations<\/td>\n<td style=\"width: 11.5783%; text-align: center;\">2&nbsp;%<\/td>\n<td style=\"width: 12.6783%; text-align: center;\">8&nbsp;%<\/td>\n<td style=\"width: 26.4623%; text-align: center;\">$40<\/td>\n<td style=\"width: 27.6227%; text-align: center;\">$160<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 21.6582%; text-align: center;\">Grocery stores<\/td>\n<td style=\"width: 11.5783%; text-align: center;\">4&nbsp;%<\/td>\n<td style=\"width: 12.6783%; text-align: center;\">6&nbsp;%<\/td>\n<td style=\"width: 26.4623%; text-align: center;\">$80<\/td>\n<td style=\"width: 27.6227%; text-align: center;\">$120<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;10% cash back at Costco?&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;10_cash_back_at_costco_&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Members of the <a class=\"thirstylink\" title=\"Facebook group travel for free (or almost...!) with your points and miles - milesopedia\" href=\"https:\/\/milesopedia.com\/en\/groupe-facebook-2\/\">milesopedia facebook group<\/a> had a very relevant remark!<\/p>\n<p>By purchasing $2,000 worth of Shop cards on Costco.ca<a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/visa-credit-card-costco\/\">(which takes VISA cards, unlike warehouses<\/a>) with the <a class=\"thirstylink\" title=\"Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card\" href=\"https:\/\/milesopedia.com\/go\/scotia-visa-infinite-momentum\/\">Scotia Momentum<sup>&reg;<\/sup> Visa Infinite* Card<\/a>, you get the most out of this sign-up bonus!<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;74785&#8243; img_size=&#8221;large&#8221; add_caption=&#8221;yes&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>It&#8217;s as if your first $2,000 spent at Costco <strong>earned you $200, or a 10% rebate<\/strong>!<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Optimizing cashback&#8221; el_id=&#8221;optimizing_cashback&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>For those who want to use this card year-round &#8211; and not just take advantage of the 10% sign-up bonus &#8211; this is a great card because of its earning rates:<\/p>\n<ul>\n<li>4% in grocery stores and recurring payments<\/li>\n<li>2% in gas and local transportation<\/li>\n<\/ul>\n<p>Since it&#8217;s <strong>a VISA card<\/strong>, you&#8217;ll have no trouble using it at your favorite stores, and can take advantage of rates as good as those offered by <a class=\"thirstylink\" title=\"Scotiabank Gold American Express<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">the Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a> or the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;To pay your rent&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;to_pay_your_rent&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Are you a tenant? In our opinion, the best use of the 4% discount is for rent payments, one of the most important expenses in a budget. Thanks to <a title=\"Chexy\" href=\"https:\/\/milesopedia.com\/en\/go\/chexy\/\" rel=\"noindex\">Chexy<\/a>, it&#8217;s now possible to <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/chexy-earn-rewards-rent-payments\/\">earn rewards on your rent<\/a>! This Canadian company lets you pay your rent by credit card, and then Chexy takes care of the monthly Interac transfer to your landlords.<\/p>\n<p>This way you&nbsp;:<\/p>\n<ul>\n<li>Pay a <strong>1.75%<\/strong> fee to Chexy,<\/li>\n<li>earn <strong>4%<\/strong> cash back with the <a title=\"Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card\" href=\"https:\/\/milesopedia.com\/go\/scotia-visa-infinite-momentum\/\" rel=\"noindex\">Scotia Momentum<sup>&reg;<\/sup> Visa Infinite* Card<\/a>, since <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/chexy-earn-rewards-rent-payments\/\">Chexy<\/a> falls into the recurring payment category,<\/li>\n<li>which represents a net cash back of <strong>2.25%<\/strong> on your rent.<\/li>\n<\/ul>\n<p>Without calculating the increased cash back with the welcome offer, this represents a $405 annual discount on a monthly rent of $1,500! Here&#8217;s how to do it with <a title=\"Chexy\" href=\"https:\/\/milesopedia.com\/en\/go\/chexy\/\" rel=\"noindex\">Chexy<\/a>:<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"299825\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading text=&#8221;Bottom Line&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p><strong>December &#8211; January<\/strong> are the best months to subscribe to The <a class=\"thirstylink\" title=\"Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card\" href=\"https:\/\/milesopedia.com\/go\/scotia-visa-infinite-momentum\/\">Scotia Momentum<sup>&reg;<\/sup> Visa Infinite* Card<\/a>:<\/p>\n<ul>\n<li>you get a great welcome bonus<\/li>\n<li>you will benefit from a first year annual fee waiver<\/li>\n<li>you can use your card throughout the year to earn your annual cash back next November<\/li>\n<\/ul>\n<p>Then you&#8217;re free to keep that credit card in your wallet for another year, or opt for <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/cash-back\/\">another cash-back credit card<\/a>!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\"><\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Find out how to make the most of the 10% cash back welcome bonus offered by the Scotia Momentum\u00ae VISA Infinite* card.<\/p>","protected":false},"author":3,"featured_media":446400,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","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":"","footnotes":""},"categories":[48139],"tags":[],"mc_loyalty_program":[],"class_list":["post-74993","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tutorials","mc_issuer-scotiabank","tutorial-scotiabank"],"acf":{"mc_approved_badge":false,"mc_card_used":22637,"mc_featured_card_specific":22637,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"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>Tip for Scotia Momentum\u00ae VISA Infinite* card | Milesopedia<\/title>\n<meta name=\"description\" content=\"Find out how to make the most of the 10% cash back welcome bonus offered by the Scotia Momentum\u00ae VISA Infinite* card.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/optimize-the-cash-back-offer-scotia-momentum-visa-infinite-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to maximize the Scotia Momentum\u00ae VISA Infinite* card&#039;s 10% cash back rate\" \/>\n<meta property=\"og:description\" content=\"Find out how to make the most of the 10% cash back welcome bonus offered by the Scotia Momentum\u00ae VISA Infinite* card.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/optimize-the-cash-back-offer-scotia-momentum-visa-infinite-card\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-19T17:05:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-12T18:05:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/05\/Scotia-1024x538-Momemtum-ENG.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"538\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" 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