Scotia Momentum® Visa Infinite* Card

The cash back card with the most awards in 2023.

Plus, comprehensive Travel Insurance and New Mobile Device Insurance.7

Special Offer

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1 No annual fee in the first year, including on additional cards.1

Is this Credit Card right for you?

Right for you if you:

  • Want to obtain a convenient and secure payment method for everyday purchases
  • Interested in building your credit history by making at least your minimum payments on time each month
  • Want an interest free grace period on purchases
  • Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee
  • Meet a minimum annual income of $60,000 or a minimum household income of $100,000 or minimum assets under management of $250,000

May not be right for you if you:

  • Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
  • Prefer not to pay an annual fee

Fees, rates & other information

Annual fee6 $120/year (Special offer: First-year annual fee waived1)
Interest rates6 20.99% on purchases
22.99% on cash advances
Minimum credit limit6 $5,000
Each supplementary Card6 $50/year (Special offer: First-year annual fee waived1)

Your award-winning card for cash back

Momentum visa Infinite Badge Cashback

Winner of the 2023 MoneySense Best Cash Back Card

Winner of the 2022 MoneySense Best Cash Back Card

Winner of the 2021 MoneySense Best Cash Back Card (groceries and bills)

Winner of the 2021 creditcardGenius Best Cash Back Credit Card±

What's included with your Card

Scotia SelectPayTM

A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.§

Limited Time Offer

Choose from flexible Scotia SelectPayTM* installment plans on eligible Home Hardware purchases made with your Scotia Momentum® Visa Infinite* credit card, of up to 24 months with no interest and no fees on plans.

How to qualify

You must have a minimum annual income of $60,000 or a minimum household income of $100,000 or a minimum assets under management of $250,000. 

Get the Scotia Momentum® Visa Infinite* Card

Apply now

A bank account that does more, means you will too. 

Receive an annual fee waiver on select credit cards by signing up for a Preferred Package or Ultimate Package.

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Scotia Momentum No-Fee Visa credit card

Scotia Momentum® No-Fee Visa* Card

Get up to 1% cash back on eligible purchases.

Annual fee: $0

Interest rates: 19.99% on purchases / 22.99% on cash advances

Discover your credit card rewards

Enter your monthly spend details to compare Scotiabank's credit card benefits and calculate your rewards.

Use the rewards calculator

Choose the right credit option for you

Tell us about your spending and borrowing needs and we'll help you find the credit solution that's right for you.

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