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Scotia Momentum® VISA Infinite* Card

Scotia Momentum® VISA Infinite* Card

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Network Provider
Annual fee
$120 $0 for the first year
Purchase interest rate
Cash advance rate
Balance transfer rate
Credit Needed
Excellent (750-900)

Card description

  • No annual fee in the first year, including on supplementary cards.1
  • 4% on eligible recurring bill payments and grocery store purchases 
  • 2% on eligible gas station and daily transit purchases 
  • 1% cash back on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Visa Infinite Dining Series
  • Visa Infinite Music Series
  • Wine Country Wonders
  • Luxury Hotel Privileges
  • Comprehensive Travel Insurance & New Mobile Device Insurance coverage
  • Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.

About This Card

The Scotia Momentum VISA Infinite card is a cash back rewards card that is available to those with an excellent credit score.

The Scotia Momentum VISA Infinite card offers cardholders 1% cash back on just about any purchase. In addition, 4% cash back can be made on bill payments and grocery purchases, while 2% cash back is awarded when you spend at gas stations and on taxis and ride-shares. 

If you open an account by November 21, 2021, the card's $120 annual fee is waived for the first year, including on supplementary cards. 

Scotia Momentum VISA Infinite cardholders are also rewarded with exclusive experiences, including one-of-a-kind dining and entertainment adventures. Cardholders also have travel benefits.

The Scotia Momentum VISA Infinite card has a minimum credit limit of $5,000 and offers competitive interest rates at 20.99% on purchases, and 22.99% on cash advances.

Why get the Scotia Momentum VISA Infinite card?

$0 Annual fee for the first year - When you open an account by November 21, 2021, the annual $120 fee is waived for the first year. The $50 annual fee for supplementary cards will also be waived.

Opportunities to earn cash back - There are plenty of opportunities to earn cash back on your purchases: 4% on bills and groceries; 2% on gas and transit, and 1% on everything else.  

Strong reputation - The Scotia Momentum VISA Infinite card ranks among the most popular and highest reputed cash-back cards in Canada. It is trusted across the country for its built-in security features and reliable customer service.

Mobile device insurance - The Scotia Momentum Visa Infinite card offers insurance coverage for smartphones purchased with the card. 

Exclusive dining and entertainment rewards - The Scotia Momentum VISA Infinite card offers cardholders exclusive dining and entertainment experiences. The Visa Infinite Music Series gives cardholders access to VIP music events. The Visa Infinite Dining Series allows foodies to dine with some of the biggest names in the culinary world, and experience food and wine in private settings. Additionally, the Wine Country Wonders offers wine tastings and tours of over 60 wineries in British Columbia and Ontario to members.

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® Registered Trademark of the Bank of Nova Scotia.
™ Trademark of The Bank of Nova Scotia.
* Visa Int./Licensed User.

The Scotia Momentum Visa Infinite Card is issued by The Bank of Nova Scotia (the "Bank") and applications for this card are subject to approval by the Bank. See the application disclosure statement when you select "Apply Now" for full rates and fees that apply to this card.

1 Offer Description and Conditions: The First Year Annual Fee Waiver Offer (the "Offer") applies only to new Scotia Momentum Visa Infinite credit card accounts ("Accounts") that are opened, and any supplementary Account cards issued, by November 21, 2021 subject to the conditions below. We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer

To qualify for the annual fee waiver offer, make sure to open a new Scotia Momentum® Visa Infinite* credit card account by November 21, 2021.
Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Rates and Fees: The current annual fee is $120 for the primary card and $50 for each additional supplementary card. The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.

Based on a first year annual fee waiver of $120 for the primary card, $50 for one supplementary card, and a potential bonus cash back earning of at least $180 during the Offer period assuming a minimum spend of $2,000 at the lowest possible cash back earn rate under the Program of 1% (i.e., Cash Back Bonus Rate of 9% x $2,000). Actual value will vary based on number of supplementary cards issued for the Account and individual category spend in the first 3 months. See full Offer terms and conditions above.