Scotia Momentum® Visa Infinite* Card
The cash back card with the most awards in 2021.◊
Plus, comprehensive Travel Insurance and Mobile Device Insurance.10
Earn 4% cash back when you spend $1 on eligible grocery store purchases and recurring payments, including subscription purchase.1
Your award-winning card for cash back
Winner of the 2022 MoneySense Best Cash Back Card
Winner of the 2021 MoneySense Best Cash Back Card (groceries and bills)
Winner of the 2021 creditcardGenius Best Cash Back Credit Card±
Winner of the 2020 MoneySense Best Overall Cash Back Card
What's included with your Card
groceries and recurring payments1
Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
With these merchants and more.1
gas and daily transit2
Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
With this merchant and more.1
Earn 1% cash back on all other purchases with no cash back limit.
Scotia Momentum® Visa Infinite* Cash Back Program Terms and conditions
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.§
Learn more about the features and benefits of your card in our Welcome Kit.
Manage your credit card
You will earn 4% Cash Back on the first $25,000 you spend annually on purchases on the Account at merchants classified in the Visa Inc. (Visa) network as Grocery Stores & Supermarkets (Merchant Code 5411) and Recurring Bill Payments. Recurring Bill Payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your Scotia Momentum® Visa Infinite* Card. Not all merchants offer recurring bill payments. (Please check with your merchant to see if they offer recurring bill payments on Visa cards.).
You will earn 2% Cash Back on the first $25,000 you spend annually on purchases made at merchants classified under the Visa network in the categories of Gas (includes Service Stations [with or without Ancillary services], and Automated Fuel Dispensers & Electric Vehicle Charging) (Merchant Codes 5541, 5542, 5552) and Daily Transit (including Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services [Not Elsewhere Classified]). (Merchant Codes 4111, 4112, 4121, 4131, 4789.).
You will earn 1% cash back on purchases made after you have reached the 4% and 2% $25,000 annual spend maximum ('overflow') and on all other eligible purchases made with the Card. Purchase returns, payments, cash advances, Scotia® Credit Card Cheques, credit vouchers, card fees, interest charges or service/transaction charges do not qualify for Scotia Momentum® cash back.
Concierge Service provided by a duly licensed third-party premium concierge provider: AXA Assistance USA, Inc.
The savings of up to 25% applies to Avis and Budget base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. The Bank of Nova Scotia is not responsible for, and provides no representations, warranties or conditions regarding this offer or any Avis or Budget products or services, including Avis Preferred Plus membership and services and those obtained under this offer, which are governed solely by Avis’ terms and conditions. Avis Preferred Plus membership and services are provided by Avis.
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.
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 support.apple.com/km207105
Click to Pay is an online checkout solution provided by a third party that supports American Express, Mastercard and Visa cards and is based on EMV® SRC Specifications. The Bank of Nova Scotia is not responsible for this service.
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.
Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers.
Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to the Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment.
Trademark of The Bank of Nova Scotia.
Registered Trademark of The Bank of Nova Scotia
Visa Int. / Lic. User.
All other trademarks are the property of their registered owners.
Awarded a total of 9 awards and 25 recognitions for cash back cards in 2022 by major Canadian financial comparison websites and financial blogs. Based on a comparison to other consumer cash back cards offered by Canadian Schedule I Banks as of December 5, 2022.