No-Fee Visa* Card
Cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.2
No annual fee
Convenient with Visa payWave* simply wave your card and go!3
Great reasons to get this card for your everyday purchases
1% Cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.2
Plus earn 0.5% cash back on all other eligible purchases.2
Fees, Rates & Other Information4
0.0 each Supplementary Card
19.99 / 22.99
19.99 on purchases. 22.99 on cash advances, balance transfers and Scotia Credit Card Cheques
Your card comes with benefits
Take advantage of all the ways a Scotia Momentum® No-Fee Visa card adds to your life.
For claim forms and answers to Frequently Asked Questions, visit our partner's site.
The introductory 7.99% interest rate applies to purchase only (the “Offer”). This rate applies when the new Scotiabank credit card account (“Account”) is opened by October 31, 2018 the (“Offer End Date”) will continue for 6 months from that date (“the Promotional Period”). After the Promotional Period, balances at the promotional rate of 7.99% (including any unpaid balances) will increase to the preferred interest rate for purchases that applies on your Account. Offer applies to new Accounts only opened by October 31, 2018. Offer applies only to new Scotiabank credit card accounts opened by the Offer End Date. Former or current Scotiabank credit cardholders that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account are excluded from this Offer. Offer may be changed or extended and cannot be combined with any other offer.
The preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). Rates and fees are subject to change.
You will earn 1% cash back on your annual spend on gas station, grocery store and drug store purchases and on recurring payments. 1% cash back applies at merchants which are classified in the Visa Inc. (Visa) network as Grocery Stores & Supermarkets, Drug Stores & Pharmacies, Service Stations (with or without ancillary services), Automated Fuel Dispensers and Recurring Payments (Merchant Codes: 5411, 5541, 5542 & 5912). Recurring payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your Scotia Momentum No-Fee Visa card. Recurring payments are typically telecommunication, insurance, membership, subscriptions etc. purchases. Not all merchants offer recurring payments. (Please check with your merchant to see if they offer recurring payments on Visa cards.) Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by Visa in another manner, in which case this added benefit would not apply. You will earn 0.5% cash back on all other eligible purchases made with the card. Purchase returns, payments, cash advances, balance transfers, Scotia® Credit Card Cheques, credit vouchers, card fees, interest charges or service/transaction charges do not qualify for cash back.
All Scotiabank retail credit cards, except ScotiaLine Visa card, Scotiabank Value Visa card, and No-Fee Scotiabank Value Visa card, will have Visa payWave when issued or reissued. Visa payWave™ is a Trademark of Visa Int./Lic. User.
The Primary Cardholder on the Scotiabank Momentum Visa Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder.
Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105
Scotia Credit Card Protection is a group insurance policy underwritten by Chubb Life Insurance Company of Canada. All coverage is subject to terms and conditions including limitations and exclusions which are outlined in the Certificate of Insurance which you will receive upon enrolment.
10% of your outstanding credit card account balance for up to 10 months up to a maximum of $5,000 per month and a total maximum of $50,000 if you are unable to work due to involuntary Job Loss, Strike or Lockout or become disabled.
Critical Illness, Disability, Job Loss and Strike/Lockout coverage terminates at age 70. Life coverage terminates at age 80.
Registered Trademark of The Bank of Nova Scotia
Visa Int./Licensed User.