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Scotia Momentum® VISA Infinite* Card

Scotia Momentum® VISA Infinite* Card

Maximum cash back on everyday spending

Our Rating:
Annual Fee Interest Rate Balance Transfer Cash Advance Credit Score Good: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months. Rewards Are all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
$0.00 *$99.00 after 12 months 19.99% 21.99% 21.99% Good 4.00% *maximum

Card Details

  • 4% cash back on all eligible gas station and grocery store purchases, 2% cash back on recurring payments and drug store purchases, and 1% cash back on all other eligible purchases.

  • $99 annual fee waived for the first year (for accounts opened by October 31, 2015)

  • Special feature: VISA Infinite Enhancements - a unique program of premium enhancements including VISA Infinite Complimentary Concierge and a dedicated VISA Infinite website to help you easily track your cash back rewards.

  • VISA Infinite Dining Series - Unique dining experience in some of Canada's top restaurants.

  • Special access to unique offers and experiences. 

  • Rental car collision insurance. 

  • Purchase security and extended warranry protection. 

Winner of RateSupermarket.ca's 2014 "Best Cash Back Rewards Credit Card" Award! Click below for more details and more winners.

Features and Benefits

  • Purchase protection and extended warranty
  • Baggage insurance
  • Flight delay insurance
  • Rental vehicle insurance
  • Travel medical insurance
  • Trip interruption or cancellation insurance
  • Travel accident insurance
  • Avis Rental Car Discount

RateSupermarket.ca's Review

The Scotia Momentum® VISA Infinite Card has won RateSupermarket.ca's "Best Cash Back Rewards Credit Card" two years in a row for good reason. With an ongoing reward return of up to 4%, this card provides the greatest cash back value on the market. On top of a market leading reward offering, the Scotia Momentum® VISA Infinite Card also offers a unique program of premium enhancements, including VISA Infinite Complimentary Concierge. If you're the type of credit card holder who pays off their balance monthly and is looking to be rewarded for smart spending - this is the card for you.


The average Canadian stands up to earn roughly $800 in cash back over two years with this product. And that's not all! Scotiabank has introduced a 1.99% introductory annual interest rate on cash advances and balance transfers for the first six months - talk about a credit card chock full of perks!

Top 5 Features About the Scotia Momentum® VISA Infinite

  • Earn cash back on every purchase - 4% earned on eligible gas and grocery; 2% on eligible drug store and recurring payments; 1% on all other eligible purchases
  • Pay off debt faster with a 1.99% introductory annual interest rate on balance transfers and cash advances for the first six months. That means you can transfer your balance from another credit card (that is likely charging you much more on interest) to the Scotia Momentum® VISA Infinite and save money on interest payments
  • This card includes access to VISA Infinite complimentary concierge service, available 7 days a week, 24 hours a day
  • Pay no annual fee for the first year - that's $99 in savings right off the bat
  • You, your spouse and accompanying dependent children are each automatically covered for up to $1 million in emergency medical coverage. The Scotia Momentum® VISA Infinite Card also includes Trip Interruption Insurance, Flight Delay Insurance, Delayed and Lost Baggage Insurance, Travel Accident Insurance, Rental Car Collision/Loss Damage insurance and Purchase Security and Extended Warranty


  • Earn cash back on every purchase
  • Comprehensive insurance coverage
  • No annual fee for the first year
  • Complimentary concierge service and access to other exclusive offers


  • $30 annual fee for supplementary cards

How We Did It: Cash Back Earnings

Income Food Gas Travel Other Total
$72,240 $649.58* $197.42* $84.07*** $100**** $1,031.07


* http://www.statcan.gc.ca/tables-tableaux/sum-som/l01/cst01/famil108a-eng.htm
** http://www.statcan.gc.ca/tables-tableaux/sum-som/l01/cst01/famil131a-eng.htm
*** http://www.statcan.gc.ca/tables-tableaux/sum-som/l01/cst01/famil131a-eng.htm
**** http://business.financialpost.com/2012/03/15/canadian-household-debt-declines-as-disposable-income-increases/

Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.

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