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Scotia Momentum® VISA Infinite* card

Receive a $50 e-gift card upon approval!

Scotia Momentum® VISA Infinite* card

Maximum cash back on everyday spending; plus, for a limited time, until March 30, 2018, receive a $50 e-gift card from RateSupermarket.ca upon approval!

Our Rating:
Annual Fee Interest Rate Balance Transfer Cash Advance Credit Score Excellent: -- I've had a credit card, or loan for 10+ 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 six 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!
$99.00 *First year annual fee waived 19.99% 22.99% 22.99% Excellent 4.00% *maximum
  • Card Details Details
  • Our Review Review

Card Details

  • Maximum cash back on everyday spending; plus, for a limited time, until March 30, 2018, receive a $50 e-gift card from RateSupermarket.ca upon approval!

  • First year annual fee waived*

  • 4% on eligible gas station and grocery store purchases

  • 2% on eligible drug store purchases and recurring bill payments

  • 1% cash back on all other eligible everyday purchases

  • Rates, fees and other information are effective as of March 1, 2018. Subject to change.

NOTE: Scotiabank will waive the initial annual fee for the primary card and each additional supplementary card for the first year (the "Offer"). Offer applies to new Accounts only that are opened by June 30, 2018 (the "Offer End Date"). Any additional supplementary cards must be issued by June 30, 2018, to qualify for the offer. Offer applies only to new Scotiabank credit card accounts opened by the Offer End Date. Former or current Scotiabank credit cardholders that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account are excluded from this Offer. Offer may be changed or extended and cannot be combined with any other offer.

The preferred annual fee is $99 for the primary card and $30 for each additional supplementary card. Rates and fees are subject to change.

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.

Top 5 Features About the Scotia Momentum® VISA Infinite

  • Pay no annual fee for the first year. Offer expires June 30, 2018.
  • 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
  • This card includes access to VISA Infinite complimentary concierge service, available 7 days a week, 24 hours a day
  • 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
  • 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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