Scotia Momentum® 
No-Fee Visa* Card

No annual fee and cash back on everyday purchases

Special Offer

Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).2 Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).2

Scotia Momentum® No-Fee Visa* Card
Apply now

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
  • Prefer to avoid annual fees

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
  • Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards

Fees, rates & other information

Annual fee3 $0/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 $0/year

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.10

Limited Time Offer

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

Get the Scotia Momentum® No-Fee Visa* Card

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Online

Cash back plus NO annual fee

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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

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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