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


Annual Fee3


Interest Rates3

20.99% on purchases
22.99% on cash advances
Move money

Minimum credit limit3

Request money

Supplementary Card3


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!

Discover your credit card rewards

Enter your monthly spending details to compare Scotiabank’s credit card benefits and calculate your rewards.

Meet with a Scotiabank advisor

Book a meeting with a Scotiabank advisor today and start the conversation.

Other credit card solutions that might interest you 

Start over