Scotia Momentum® 
Visa* Card

2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)1

Low Annual Fee


Convenient with Visa payWave* simply wave your card and go!3




New to Canada?

No credit history needed.

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Great reasons to get this card for your everyday purchases

2% Cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.2

Plus earn 1% cash back on all other eligible purchases.2

Gas Stations2


Grocery Stores2


Drug Stores2


Recurring Bill Payments2


Plus earn 1% cash back on all other eligible purchases.2

Scotia Momentum Visa card Cash Back Program Terms and Conditions

The Scotia Momentum® suite of cash back VISA* cards

The Scotia Momentum® VISA* Infinite card, Scotia Momentum® VISA* card & Scotia Momentum® No-Fee VISA* card.

Is one of these the right card for you?  



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Fees, Rates & Other Information4

Annual Fee


15.0 each Supplementary Card

Interest rates


19.99 on purchases. 22.99 on cash advances, balance transfers and Scotia Credit Card Cheques

Credit Limit



Your card comes with benefits

Take advantage of all the ways a Scotia Momentum® Visa card adds to your life.

Purchase Security & Extended Warranty Protection5

Most items purchased with your card are insured against theft, loss, or damage for 90 days from the purchase date and the manufacturer’s warranty is doubled for up to one year.

More details, Purchase Security & Extended Warranty Protection5
Start a cash flow

Make the most of your card. Consolidate all your recurring payments on your card and turn them into cash back rewards!

More details, Start a cash flow
Get a Supplementary Card

Add an additional Supplementary Cardholder to your Scotia Momentum® Visa card Account. One account, multiple cards. Added benefits! Get an additional card for a friend or family member.6

More details, Get a Supplementary Card
Save time at the checkout

Tap your Scotia Momentum® Visa card or your smartphone for quick easy payments.

More details, Save time at the checkout
Save on car rentals

As a Scotia Momentum Visa Cardholder, you can save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S. when you pay with your Scotia Momentum Visa card.       

More details, Save on car rentals
Feel reassured (Optional protection)

Your finances can have added protection from some of life's unpredictable events, like disability, job loss, strike or lockout, critical illness or loss of life.

More details, Feel reassured (Optional protection)

For claim forms and answers to Frequently Asked Questions, visit our partner's site.

Scotia Momentum® Visa* card

In Person

Make an appointment

Visit a branch
By phone

takes about 8 minutes

1 (800) 747-3208
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Enjoy unique benefits, rewards, and so much more.

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