Head to head
Scotia Momentum Mastercard vs Scotiabank Scene+ Visa Card
Fees, rates, rewards, and welcome offers side by side. Every figure links to the issuer's own page.
| Issuer | Scotiabank | Scotiabank |
| Network | Mastercard | Visa |
| Annual fee | No fee | No fee |
| Purchase APR | 20.99% | 21.99% |
| Cash advance APR | 22.99% | 22.99% |
| FX fee | n/a | n/a |
| Welcome (est. value) | n/a | ~$25 |
| Top earn rate | 1% gas, grocery, drug stores and recurring payments | 2x grocery (Sobeys/Empire banners) and Scene+ partners |
| Lounge visits | n/a | n/a |
| Min. income | n/a | n/a |
Frequently asked
- Is the Scotia Momentum Mastercard or the Scotiabank Scene+ Visa Card better?
- Neither is universally better. The Scotia Momentum Mastercard charges a No fee annual fee at 20.99% purchase APR, while the Scotiabank Scene+ Visa Card charges No fee at 21.99%. 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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