Scotia Momentum® Mastercard®* Credit Card

Get an introductory rate of 7.99% on Purchases for the first six months
No annual fee.
Plus earn cash back for everyday purchases.
Cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.
Make everyday purchases quickly and safely with just a tap of your contactless-enabled Mastercard or device
No annual fee

More reasons to get this card
for your everyday purchases

Gas Stations
Grocery Stores
Drug Stores
Recurring Bill Payments
Plus earn 0.5% cash back on all other eligible purchases.
Scotia Momentum Mastercard Card Cash Back Program Terms and Conditions
Momentum Mastercard video

As a Scotia Momentum Mastercard cardholder, Zero Liability protection means you will not be held liable for any unauthorized purchases on your account. Have peace of mind knowing that you are protected from theft and fraudulent use of your card. Learn how Zero Liability protects you at

Watch this video

Fees, Rates & Other Information

Annual Fee

$0 each additional supplementary card

Interest rates

19.99% / 22.99%
19.99% on purchases. 22.99% on cash advances (including balance transfers, Scotia Credit Card Cheques and cash-like transactions)

Credit Limit


Benefits of the Scotia Momentum Mastercard Credit Card

Take advantage of all the benefits of a Scotia Momentum Mastercard credit card.

Make the most of your credit card

Consolidate all your current recurring payments on your card and turn them into cash back rewards!

Get a Supplementary card

Add an additional supplementary card (an Authorized User card) to your Scotia Momentum Mastercard Credit Card Account. One account, multiple cards. No annual fee. Get an additional card for a friend or family member. Ask us more!

Save time at the checkout

Whether you're shopping in-store or online, your Mastercard contactless card is the quick, convenient and secure way to purchase everything on your list.

Get Access to Exciting Experiences with Mastercard

As a Scotia Momentum Mastercard Credit Card cardholder, your card gives you access to handpicked experiences from Mastercard in cities around the world.

Zero Liability Protection by Mastercard

Have peace of mind knowing that you are protected from theft and fraudulent use of your card.

Mastercard Global Services

24-hour access to Mastercard Global Service, a Mastercard support service that's available every day of the year to help you if your card is lost or stolen.

Mastercard Worldwide Acceptance

Mastercard is accepted in more than 150 currencies, 210 countries and territories and at millions of merchant locations worldwide.

Costco®† Wholesale

Mastercard is the only credit card accepted at Costco warehouses in Canada.