••••••••••••6146
Scotia Momentum Visa Card
VISACash back on everyday spending
Scotia Momentum Visa Card
6.9Canada Cards ScoreGoodAnnual fee $49Purchase APR 20.99%Verified 2026-06-13
Apply on Scotiabank →Why get this card
- ✓Earn 2% on grocery and recurring bill payments
Pros
No standout upsides captured.
Cons
- -$49 annual fee
Earn rates
- grocery and recurring bill payments2%
up to $25,000 annual spend limit
- gas and daily transit2%
up to $25,000 annual spend limit
- all other purchases1%
Welcome offer
No welcome offer captured.
Fees
- Annual fee
- $49
- Additional card
- $15
- 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
- 2
- New Mobile Device Insurance
- Creditor Insurance
Redemption & eligibility
- Reward currency
- Cash Back
- Redemption options
- —
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
How we scored it
6.9Good- Everyday earn rateWeight 30
2% on grocery and recurring bill payments
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
$49 annual fee
- Benefits depthWeight 15
2 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 Visa Card worth it?
- It carries a $49 annual fee. Earn 2% on grocery and recurring bill payments. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the Scotia Momentum Visa Card?
- The annual fee is $49. 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 Visa Card earn?
- It earns up to 2% on grocery and recurring bill 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
Is this the right card for you?
See how it stacks up, or let the finder match you to the cards built for how you spend.