Scotia Momentum Visa Infinite Card
VISACash back on everyday spending
Scotia Momentum Visa Infinite Card
7.6Canada Cards ScoreVery good15% cash back on first $2,000 in everyday purchases (first 3 months) + first year annual fee waived
Why get this card
- ✓Earn 4% on grocery and recurring bill payments
- ✓7 insurance coverages
Pros
- +Strong 4% earn on grocery and recurring bill payments
- +7 insurance coverages
Cons
- -Steep $120 annual fee
- -Needs $60,000 minimum income
Earn rates
- grocery and recurring bill payments4%
up to $25,000 annual spend limit
- gas and daily transit2%
up to $25,000 annual spend limit
- all other purchases1%
Welcome offer
15% cash back on first $2,000 in everyday purchases (first 3 months) + first year annual fee waived
- Bonus points
- —
- Minimum spend
- —
- Spend window
- 90 days
- Offer ends
- 2026-11-01
Earn 15% cash back on the first $2,000 spent in everyday eligible purchases in first 3 months, plus first-year annual fee waiver; for accounts opened May 1, 2026 - November 1, 2026.
Fees
- Annual fee
- $120
- Additional card
- $50
- 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
- 7
- Travel Emergency Medical Insurance
- Travel Accident Insurance
- Flight Delay Insurance
- Delayed and Lost Baggage Insurance
- Rental Car Collision Loss/Damage Insurance
- New Mobile Device Insurance
- Creditor Insurance
Redemption & eligibility
- Reward currency
- Cash Back
- Redemption options
- —
- Transfer partners
- —
- Min. personal income
- $60,000
- Min. household income
- $100,000
Minimum income of $60,000-$80,000 or more per year, a minimum household income of $100,000-$150,000 or more, or a minimum of $250,000-$300,000 or more assets under management.
How we scored it
7.6Very good- Everyday earn rateWeight 30
4% on grocery and recurring bill payments
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
$120 annual fee
- Benefits depthWeight 15
7 insurance coverages
- Interest costWeight 10
20.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
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Learn before you apply
Frequently asked
- Is the Scotia Momentum Visa Infinite Card worth it?
- It carries a $120 annual fee. Earn 4% 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 Infinite Card?
- The annual fee is $120. 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 Infinite Card earn?
- It earns up to 4% on grocery and recurring bill payments, in Cash Back. See the full earn-rate breakdown above.
- What income do I need for the Scotia Momentum Visa Infinite Card?
- Scotiabank lists a minimum personal income of $60,000 or household income of $100,000.
- When does the Scotia Momentum Visa Infinite Card welcome offer expire?
- The current welcome offer expires 2026-11-01. Check the issuer's page to confirm it is still available before applying.
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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