Scotia Momentum® 
Mastercard®* credit card

Earn 1% cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.1

Special Offer

7.99% introductory interest rate on purchases for the first 6 months (20.99% after that; annual fee $0).2

Scotia Momentum® Mastercard®* credit 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, that can also help you to build your credit history if you make 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

20.99% 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

Get the Scotia Momentum® Mastercard®*

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Apply online

Enjoy unique benefits, rewards, and so much more.

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In person

Make an appointment at your local branch

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By phone

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You might also like

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

Momentum Visa credit card

Scotia Momentum® Visa Card

Get up to 2% cash back on eligible purchases.

Annual fee: $39

Interest rates: 19.99% on purchases / 22.99% on cash advances

Not sure if this is the right credit card for you?