Scotia Momentum® 
Visa* Card

Get up to 2% cash back on eligible gas station, grocery store, drug store purchases and recurring payments.1

Special Offer

Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).2

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

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 other types of rewards available with our other Cards

Fees, rates & other information

Annual fee3 $ 39/year
Interest rates3

19.99% on purchases

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

Minimum credit limit3 $500
Each supplementary Card3 $15/year

What's included with your Card

Scotia SelectPayTM

A flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with low interest rates on your plan and no installment plan fee.11

Limited Time Offer

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

Get the Scotia Momentum® Visa* Card

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Online

Enjoy unique benefits, rewards, and so much more.

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By phone

Call Scotiabank

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In person

Make an appointment at your local branch

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Momentum Visa Infinite credit card

Scotia Momentum® Visa Infinite* Card

Get up to 4% cash back on eligible purchases.

Annual fee: $120

Interest rates: 20.99% on purchases / 22.99% on cash advances

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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