Scotia Momentum® Visa Infinite* Card

The cash back card with the most awards in 2022.

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 additional cards.1

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 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 other types of rewards available with our other Cards

Fees, rates & other information

Annual fee6 $120/year (Special offer: First-year annual fee waived1)
Interest rates6 20.99% on purchases
22.99% on cash advances
Minimum credit limit6 $5,000
Each supplementary Card6 $50/year (Special offer: First-year annual fee waived1)

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

Apply now

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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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

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?