Head to head
Neo World Elite Mastercard 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 | Neo Financial | Scotiabank |
| Network | Mastercard World Elite | Visa Infinite |
| Annual fee | $149 | $120 |
| Purchase APR | 19.99% | 20.99% |
| Cash advance APR | — | 22.99% |
| FX fee | n/a | n/a |
| Welcome (est. value) | n/a | See offer |
| Top earn rate | 5% grocery | 4% grocery and recurring bill payments |
| Lounge visits | n/a | n/a |
| Min. income | $80,000 | $60,000 |
Frequently asked
- Is the Neo World Elite Mastercard or the Scotia Momentum Visa Infinite Card better?
- Neither is universally better. The Neo World Elite Mastercard charges a $149 annual fee at 19.99% 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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