Scotia Momentum® Cash Back Visa* card

Scotia Momentum
Scotia Momentum

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Special 1.99% introductory interest rate

For a limited time Get a Scotia Momentum Visa card PLUS a 1.99% introductory interest rate on balance transfers for the first six months.

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No credit history needed.

At a Glance


Cash Back on Everyday Purchases1

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Maximize Your Cash Back on Everyday Spending

Why use cash for everyday purchases when you can get cash back! The Scotia Momentum® Visa* card offers convenience, worldwide acceptance and best of all - cash back.

Consolidate all your recurring payments and create your own cash back cash flow! Recurring payments typically apply to subscriptions, telecommunication, insurance, membership etc. purchases. Not all merchants offer recurring payments. Please check with your merchant to see if they offer recurring payments on Visa cards.

2% cash back1

On all eligible gas station, grocery store, drug store purchases and recurring payments.

1% cash back1

On all other eligible purchases.

Worldwide acceptance



Visa payWave™ for speed, convenience, and security when paying for small, everyday purchases.5

Scotia Momentum Visa Cash Back Program Terms and Conditions (81 Kb)

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Rates & Fees
  • Minimum Credit Limit $500
  • Interest-Free Grace Period At least 21 days3
  • Annual Fee
    Primary Card Holder: $39
    Supplementary card Holder: $15
  • Interest Rate
    • 19.99% on purchases
    • 22.99% on cash advances, balance transfers

For current rates and information on fees and interest cost, call 1-888-882-8958.

Learn more about Visa card fees and Visa card interest rates.

Special Discounts

AVIS Car Rentals
Save with discounts of up to 20% at participating AVIS car rental locations worldwide. Simply present your Scotia Momentum Visa card at any participating location. Or visit or call 1-800-TRY-AVIS (879-2847) and quote the rebate number C030400.

Scotia® Credit Card Cheques4

Use Scotia Credit Card Cheques to:

  • Transfer balances from gas and retail cards that charge higher interest rates.
  • Pay for a large purchase, insurance premiums, medical bills, or utility bills.

Obtain cash advances at:

  • Over 1 million ABMs around the world displaying the Visa/PLUS symbols.
  • Over 55,000 ABMs displaying the INTERAC symbol in Canada, including Scotiabank ABMs.
  • Or, access your Scotia Momentum Visa account with your ScotiaCard when you link the two together.
Easy Access

When you link your Scotia Momentum Visa account to your ScotiaCard® you can use TeleScotia® Telephone Banking and Scotia OnLine® Financial Services for Visa account information.

Visa payWave

Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!5

My Mobile Wallet

My Mobile Wallet is now included with the FREE Scotiabank Mobile Banking app and lets you tap your smartphone on the terminal to pay. Just look for the Visa payWave symbol at the checkout.

Scotia® Credit Card Protection (optional)4

Notice: Important Changes to Scotia Credit Card Protection effective December 12, 2016
Please review notice of Changes.

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 5% of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness++, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $20,000.

This comprehensive coverage is available at a monthly premium rate of only $0.95 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast – contact us for details if you are a resident of Canada, and are at least 18 and under 65 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

+ 5% of outstanding balance up to 24 months
++ The maximum benefit payable is $20,000
Recently moved to Canada? Apply for a credit card designed for newcomers.

It's hard to get a credit card without a Canadian credit history. But the Scotiabank StartRight ® Program± for Newcomers can help. It's a special program designed to meet the needs of newcomers to Canada. With the StartRight Program, you can be approved for a credit card – even without a Canadian credit history. Once you have a credit card you can:

  • Make purchases online or by phone.
  • Earn rewards like cash back, free movies or travel points.
  • Build your Canadian credit history and credit score, so you can build the future you want in Canada.

Use the link below to apply for your credit card through the Scotiabank StartRight Program today.

Apply now

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