Scotia Momentum VISA Infinite Card

Consumer (Premium) Card Offer from Scotiabank.

Basic Information

  • First year annual fee waived.
  • Earn 4% Cash Back on Groceries and Recurring Bill Payments
  • Earn 2% Cash Back on Gas and Daily Transit (NEW)
  • Earn 1% Cash Back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of August 1, 2019. Subject to change.

N/A* Intro APR

N/A*Intro APR Period

Good*Credit Needed

See Terms*Grace Period

N/A*Late Payment Fee

APR: 20.99%*
Card Network:VISA
Card Type:- Co-Branded
- Instant Decision Card
- Reward Card

Card Review

Product Rating:
Ratings (4.5 out of 5)

Looking for an exceptional credit card offer? One that delivers a host of benefits without the crushing rules that make it hard to use those benefits? Your good credit and spending habits are rewarded. Scotia Visa Infinite credit card. You'll enjoy layers of protection, courtesy of the most advanced technological security features built into every Visa credit card and other security benefits you'll only find with ScotiaBank. With so much going on in our busy lives, the last thing we need to worry about is the security of our financial products. The latest technology incorporates a number of measures that are focused on confidentiality, which further protects your information.

A few of the many benefits include a generous starting credit line, up to 4 percent back on eligible purchases and when you set up recurring payments for those monthly expenses, such as our mortgages, insurance premiums and utilities and if you travel, you'll enjoy protections other financial offers can't match.

The review is prepared by staff. Opinions expressed therein are solely those of the reviewer.

Rewards & Benefits

Reward Types:- Gas Reward Cards
- Merchandise Reward Cards
- Universal Reward Cards
Rewards:- Earn 4% Cash Back on Groceries and Recurring Bill Payments
- Earn 2% Cash Back on Gas and Daily Transit (NEW)
- Earn 1% Cash Back on all other eligible everyday purchases
Other Benefits:- Trip Cancellation Insurance
- Mobile Device Insurance
- Travel Emergency Medical Insurance
- Trip Interruption Insurance
- 25% AVIS Car Rentals discount
- Visa payWave
- VISA Infinite Enhancements
- Rental Car Collision/Loss Damage Insurance
*See Terms and Conditions of the card for more benefits
Credit Reporting:Yes

Card Finance & Rates

Introductory APR:N/A*
Applied Towards:Balance Transfer, Cash Advance
Introductory Period:N/A*
APR on Purchases: 20.99%*
Annual Fee:$120 Waived for the first year*
Minimum Credit Line:$5,000

Balance Transfers

Balance Transfer:Yes*

Cash Advances

APR on Cash Advances:22.99%

Other Fees

Additional Fees: Foreign Currency Conversion: 2.50 %
Each Additional card: $50.00


You will earn 4% Cash Back on the first $25,000 you spend annually on purchases on the Account at merchants classified in the Visa Inc. (VISA) network as Grocery Stores & Supermarkets (Merchant Code 5411) and Recurring Bill Payments. Recurring Bill Payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your Scotia Momentum® VISA Infinite* card. Recurring Bill Payments are typically for telecommunication, insurance, membership, subscription payments, etc. Not all merchants offer recurring bill payments (please check with your merchant to see if they offer recurring bill payments on VISA cards). Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by VISA in another manner, in which case this added benefit would not apply.

You will earn 2% Cash Back on the first $25,000 you spend annually on purchases made at merchants classified in the VISA network in the categories of Gas (includes Service Stations (with or without Ancillary services), and Automated Fuel Dispensers) (Merchant Codes 5541 & 5542) and Daily Transit (including Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services (Not Elsewhere Classified)). (Merchant Codes 4111, 4112, 4121, 4131, 4789)

You will earn 1% Cash Back on purchases made after you have reached the 4% and 2% $25,000 annual spend maximum and on all other eligible purchases made on the Account. All Merchant Category Codes are subject to change.

* The information provided for the Scotia Momentum VISA Infinite Card is considered to be accurate at the time of posting (Apr 19, 2020). However, we strongly advise site visitors to check the fees, terms and conditions applicable to the product on the card issuer's application page prior to completing an application.

Application Security

Please note that all applications feature secure SSL technology for your online protection.

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