Head to head
CIBC Dividend Visa Infinite Card vs Scotia Momentum Visa Infinite Card
Fees, rates, rewards, and welcome offers side by side. Every figure links to the issuer's own page.
| Issuer | CIBC | Scotiabank |
| Network | Visa Visa Infinite | Visa Infinite |
| Annual fee | $120 | $120 |
| Purchase APR | — | 20.99% |
| Cash advance APR | — | 22.99% |
| FX fee | n/a | n/a |
| Welcome (est. value) | See offer | See offer |
| Top earn rate | 4% gas, EV charging, and groceries | 4% grocery and recurring bill payments |
| Lounge visits | n/a | n/a |
| Min. income | $60,000 | $60,000 |
Frequently asked
- Is the CIBC Dividend Visa Infinite Card or the Scotia Momentum Visa Infinite Card better?
- Neither is universally better. The CIBC Dividend Visa Infinite Card charges a $120 annual fee at — purchase APR, while the Scotia Momentum Visa Infinite Card charges $120 at 20.99%. The right pick depends on how you spend and whether you carry a balance. Confirm all details on each issuer's page before applying.
- Where do these numbers come from?
- Every fee, rate, and offer here is pulled from the card issuer's own product and application pages, never an affiliate feed. Rates and offers change, so always verify on the official issuer page before you apply.
- Is this financial advice?
- No. This is an educational comparison to help you weigh two cards. It is not financial advice.
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