At a Glance It's Easy to Apply! Apply online Already a customer? Sign-on to Scotia OnLine Visit any Scotiabank Branch Call us at 1-1-800-551-8798 Annual Interest Rate 19.99% on card purchases 21.99% on cash advances, balance transfers and Scotia® VISA cheques.¹ Minimum Credit Limit $500 Annual Fee¹ $39 Additional Cards Annual Fee¹ $15 Grace Period Interest-free up to 21 days2 Scotia Momentum Cash Back Program A full 2% cash back on all eligible gas, groceries, recurring payments and drug store purchases3. A full 1% cash back on all other eligible purchases4. Purchase Security and Extended Warranty protection on most purchases.

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 - maximum cash back.

Maximize Your Cash Back on Everyday Spending

With a Scotia Momentum VISA card you'll earn 2% cash back on the first $25,000 you spend annually on eligible gas, groceries, recurring payments and drug store purchases³. Here's a list of popular merchants who may qualify for 2% cash back. [PDF 35kb]

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.

See the Scotia Momentum Cash Back Program Terms and Conditions for complete details. [PDF 72kb]

Great Benefits with a Scotia Momentum VISA card

• A full 2% cash back on all eligible gas, grocery, recurring payments and drug store purchases³.
  
  
• A full 1% cash back on all other eligible purchases⁴.
  
  
• Minimum $500 credit limit
  
  
• Up to 21 days interest free grace period on card purchases²
  
  
• Up to 20% discount rates at AVIS Car Rental
  
  
• Purchase Security and Extended Warranty protection
  
  
• Optional Scotia VISA Balance Protection⁵
  
  
• VISA Zero Liability Policy⁶

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

To order additional cards, simply download our additional card order form, complete and sign the form and drop it off at your Scotiabank branch.

	It's Easy to Apply! Apply online Already a customer? Sign-on to Scotia OnLine Visit any Scotiabank Branch Call us at 1-888-882-8958

¹ Interest rates, fees and features are effective March 2, 2009 and are subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

2 Provided you pay your balance in full each month, by the payment due date.

3 You will earn 2% cash back on the first $25,000 you spend annually on eligible gas, groceries, recurring payments and drug store purchases. 2% cash back applies at merchants who are classified in the VISA network as Grocery Stores & Supermarkets, Drug Stores & Pharmacies, Service Stations (with or without ancillary services), Automated Fuel Dispensers and Recurring Payments (Merchant Codes 5912, 5411, 5541 & 5542). Sometimes there are separate merchants located on the premises of these merchants but are classified by VISA in another manner, in which case this added benefit will not apply. Recurring payments are defined as payments made on a monthly or regular basis automatically billed by a merchant. Not all merchants offer recurring payments. You will earn 1% cash back on purchases made after you have reached the 2% $25,000 annual spend maximum and on all other purchases made with the card.

4 Purchase returns, payments, cash advances, fees and service charges do not qualify for Scotia Momentum cash back.

5 For all insurance coverage, certain limitations, restrictions and exclusions apply. You will receive a Certificate of Insurance which contains a full description of coverage.

6 Certain restrictions, limitations and exclusions apply. Please visit www.visa.ca for a full description of the VISA Zero Liability Policy.