Scotia Momentum® Visa Infinite* Card

The cash back card with the most awards in 2023.
Plus, comprehensive Travel Insurance and New Mobile Device Insurance.7

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Is this credit card right for you?
Special Offer

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1 Plus, no annual fee in the first year, including on additional cards.1

Fees, rates & other information3

Annual fee
$120

Special offer: First-year annual fee waived1

Minimum credit limit
$5,000

Purchase interest rate
20.99%

Cash advance rate
22.99%

Supplementary cards
$50/year 

Special offer: First-year annual fee waived1

What's included with your Card

Get a supplementary Card

Get an additional Card for a friend or family member by adding them as a supplementary cardholder to your Scotia Momentum® Visa Infinite* Card account.10

Your award-winning card for cash back

  • Winner of the 2024 milesopedia Best Credit Card for Recurring Payments±

  • Winner of the 2023 MoneySense Best Cash Back Card

  • Winner of the 2022 MoneySense Best Cash Back Card

Scotia SelectPayTM

A flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with low interest rates on your plan and no installment plan fee.§

How to qualify

You must have a minimum annual income of $60,000 or a minimum household income of $100,000 or a minimum assets under management of $250,000. 

Get the Scotia Momentum® Visa Infinite* Card.

A bank account that does more, means you will too

Receive an annual fee waiver on select credit cards by signing up for a Preferred Package or Ultimate Package.

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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Scotia Momentum No-Fee Visa credit card

Scotia Momentum® No-Fee Visa* Card

Get up to 1% cash back on eligible purchases.

Annual fee: $0

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

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 and willing to pay an annual fee
  • Meet a minimum annual income of $60,000 or a minimum household income of $100,000 or minimum assets under management of $250,000

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
  • Prefer not to pay an annual fee