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

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

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

Fee & Rates

Transfer

Annual Fee3

$0/year
Chart

Interest Rates3

20.99% on purchases
22.99% on cash advances
Move money

Minimum credit limit3

$500
Request money

Supplementary Card3

$0/year

Additional Benefits

  • 1% Cash back on all eligible gas station, grocery store, drug store purchases and recurring payments. Plus earn 0.5% cash back on all other eligible purchases.1
  • Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the U.S. when you pay with your Scotia Momentum Mastercard credit card.4
  • Consolidate all your current eligible recurring payments on your card and turn them into cash back rewards!

Scotiabank Rewards Comparison

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