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Scotia Momentum Mastercard
MASTERCARDCash back on everyday spending
Scotia Momentum Mastercard
6.7Canada Cards ScoreGoodAnnual fee No feePurchase APR 20.99%Verified 2026-06-13
Apply on Scotiabank →Why get this card
- ✓No annual fee
- ✓Earn 1% on gas, grocery, drug stores and recurring payments
Pros
- +No annual fee
Cons
No notable downsides captured.
Earn rates
- gas, grocery, drug stores and recurring payments1%
up to $25,000 annual spend limit
- all other purchases0.5%
Welcome offer
No welcome offer captured.
Fees
- Annual fee
- No fee
- Additional card
- No fee
- Foreign transaction fee
- —
Interest rates
- Purchase APR
- 20.99%
- Cash advance APR
- 22.99%
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- 1
- Creditor Insurance
Redemption & eligibility
- Reward currency
- Cash Back
- Redemption options
- —
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
How we scored it
6.7Good- Everyday earn rateWeight 30
1% on gas, grocery, drug stores and recurring payments
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
No annual fee
- Benefits depthWeight 15
1 insurance coverages
- Interest costWeight 10
20.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
Compare with similar cards
Learn before you apply
Frequently asked
- Is the Scotia Momentum Mastercard worth it?
- It carries a No fee annual fee. No annual fee. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the Scotia Momentum Mastercard?
- The annual fee is No fee. The purchase interest rate is 20.99% and the cash advance rate is 22.99%. These are sourced from Scotiabank's official page.
- What rewards does the Scotia Momentum Mastercard earn?
- It earns up to 1% on gas, grocery, drug stores and recurring payments, in Cash Back. See the full earn-rate breakdown above.
More ways to compare
Official sources
Every figure on this page comes from Scotiabank's own pages. Last checked 2026-06-13.
Cited, never sponsored
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