Get the Scotia Momentum® Visa Infinite* Card

Are you a Scotiabank customer with access to online banking?

Are you new to Canada in the past three years?
Visit a branch to apply. Use our Branch Locator

Get a supplementary Card

You will earn cash back on the purchases made by your Supplementary Cardholder at the same rate that you earn cash back rewards on purchases made on your Card.

Simplify Record Keeping Spending on your Scotiabank Visa Account is consolidated into one monthly statement. Transactions made by the additional Supplementary Cardholder are easily identified on your statement.


Scotia Credit Card Protection (optional)

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 20%12 of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event you are diagnosed with a covered Critical Illness13, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $50,000.

This comprehensive coverage is available at a monthly premium rate of only $1.09 per $100 of the daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast – contact us for details if you are a resident of Canada, and are at least 18 and under 70 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

Offer details

  1. To qualify for these offers make sure to open a new Scotia Momentum® Visa Infinite* credit card account by August 31, 2022. 
  2. To earn 10% cash back, make sure to use your new card to make everyday eligible purchases and earn 10% cash back on the first $2,000 you spend in your first 3 months from account opening.
Once you qualify, we’ll credit your account in 2 instalments:
  1. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within 7 months from the account open date; and
  2. Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program (i.e., November).
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for these offers.
See terms and conditions1 below for full details.

Save time at the checkout

Visa payWave* - Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!8

My Mobile Wallet is now included with the FREE Scotiabank Mobile Banking app and lets you tap your smartphone on the terminal to pay. Just look for the Visa payWave symbol at the checkout.

Apple Pay - The easy, secure, and private way to pay with your eligible Scotiabank credit cards.9

Click to PayΔ* - Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.

Scotia Momentum® Visa Infinite* Card

The cash back card with the most awards in 2021.

Plus, comprehensive Travel Insurance and New Mobile Device Insurance.7

Special Offer

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

Apply now

Fees, rates & other information

Annual fee6 $120/year (First-year annual fee waived)
Interest rates6 20.99% on purchases
22.99% on cash advances
Minimum credit limit6 $5,000
Each supplementary Card6 $50/year (First-year annual fee waived)

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

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.§

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.

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Special offer
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

Special offer
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

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