Scotia Momentum No-Fee Visa Card

Discover the Award-Winning Scotia Momentum® Visa Infinite Card

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  Earn 10% cash back on all purchases for the first 3 months
  First year reward
$622/yr

based on spending $2,200/mo after $120 (waived 1st yr) Annual fee

If you spend
$2,200/mo
You’ll earn
$622
Which is worth
$622/yr
Annual fee
$120 (waived 1st yr)
First year reward
$622
Annual Fee $120 (1ST YEAR WAIVED)
Welcome Bonus Earn 10% cash back on all purchases for the first 3 months
Rewards Rate 1% – 4%
Interest Rate 19.99% – 22.99%

Introduce the Scotia Momentum Visa Infinite Card as a leading choice for those seeking a rewarding credit card experience. Highlight its recognition as the most awarded cash back card in 2022 and its comprehensive travel insurance and new mobile device insurance features​​.

Benefits of Scotia Momentum

  1. Cash Back Rewards:
    • Special Offer: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases), with no annual fee in the first year, including on additional cards​​.
    • Post-Offer Rewards: Earn 4% cash back on groceries and recurring payments, 2% on gas and daily transit, and 1% on all other purchases​​​​​​.
  2. Exclusive Experiences:
    • Enjoy Visa Infinite* Concierge Service, Hotel Collection, and Dining and Wine Country program for unique dining and entertainment adventures​​.
  3. Additional Savings:
    • Get up to 25% off on car rentals at participating AVIS and Budget locations in Canada and the U.S​​.
  4. Convenient Payment Options:
    • Utilize Visa payWave, My Mobile Wallet, Apple Pay, and Click to Pay for quick and secure payments​​.
  5. Supplementary Card Benefits:
    • Add friends or family members as supplementary cardholders to extend the benefits of your Scotia Momentum® Visa Infinite* Card​​.
  6. Insurance Coverages:
    • Enjoy the peace of mind with New Mobile Device Insurance, Trip Cancellation and Interruption Insurance, Travel Emergency Medical Insurance, and Flight Delay Insurance​​​​.

Who Should Consider Scotia Momentum?

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Ideal for individuals who want a secure way to manage daily expenses, build credit history, and enjoy the perks of a premium credit card. Suitable for those with a minimum annual income of $60,000, or a household income of $100,000, or assets under management of $250,000​​.

Fees and Rates

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The card has an annual fee of $120 (waived for the first year) and offers a minimum credit limit of $5,000. Interest rates are 20.99% on purchases and 22.99% on cash advances​​.

Awards and Recognition

The Scotia Momentum Visa Infinite Card has been recognized repeatedly for its exceptional cash back benefits, winning the MoneySense Best Cash Back Card award in consecutive years​​.

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