RateBuddyCredit card guide LOW RATE OFFERS

Best Balance Transfer Credit Cards in Canada

Fact checked
Interest costs
Repayment focus

RateBuddy Card InsightEditorial reviewed Sep 12, 2026

A balance transfer works best when the repayment plan is clear

Balance transfer cards can help reduce interest, but the promotional period, transfer fee, regular purchase rate, and repayment timeline all matter. RateBuddy helps organize these details so you can compare options with a practical view of total cost and fit.

Important details to compare

Promotional balance transfer rate
Transfer fee and offer period
Regular purchase and cash advance rates
Annual fee and repayment timeline

RateBuddyOFFERS AT A GLANCE

Best Credit Card Offers — October 2026

Get Ratebuddy Cash Rebate $150 RateBuddy rebate

Scotiabank®

Scotia Momentum® Visa Infinite +* Card

Featured

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $300

Estimated rewards from spending Based on $1,500 in monthly spending $0

First-year annual fee $120 first-year fee waiver applied ~~$120~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $300

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	0%	$0
Dining	$300	0%	$0
Gas and transit	$150	0%	$0
Travel	$75	0%	$0
Recurring bills	$75	0%	$0
Other purchases	$450	0%	$0

RateBuddy cash rebate This separate rebate is not included in the card value or ranking above. +$150

Potential first-year value with RateBuddy rebate $450

Estimate notes

No usable reward rate is configured, so spending rewards were not estimated.

This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.

Earn 15% cash back for the first 3 months, get 0% on balance transfers for 12 months, plus get the first-year annual fee waived.*. Welcome offer ends Nov 1, 2026

Welcome bonus (up to): $300

RateBuddy rebate: $150

Get from RateBuddy$150

Rebate ends Oct 31, 2026

Get this offer View Offer Learn more

Exclusive Ratebuddy Rebate $75 RateBuddy rebate

Scotiabank®

Scotia Momentum® Visa*  Card

Featured

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value No current monetary welcome-offer estimate was included $0

Estimated rewards from spending Based on $1,500 in monthly spending $261

First-year annual fee Fee charged during the first year $49

Estimated first-year card value Welcome value + spending rewards − first-year fee $212

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	2%	$108
Dining	$300	1%	$36
Gas and transit	$150	2%	$36
Travel	$75	1%	$9
Recurring bills	$75	2%	$18
Other purchases	$450	1%	$54

RateBuddy cash rebate This separate rebate is not included in the card value or ranking above. +$75

Potential first-year value with RateBuddy rebate $287

Estimate notes

A welcome offer is described, but no monetary value estimate is available.

Get a 0.99% introductory balance-transfer rate for the first 9 months.*

Details

Get a 0.99% introductory interest rate on balance transfers for the first nine months. A 2% fee per cash advance applies, and the standard 22.99% cash-advance rate applies after the promotional period. The annual fee is $49. Eligibility restrictions and conditions apply.*

Get from RateBuddy$75

Rebate ends Oct 31, 2026

Get this offer View Offer Learn more

Ratebuddy Cash Rebate $60 RateBuddy rebate

Scotiabank®

Scotia Momentum® No-Fee Visa* Card

Featured

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $100

Estimated rewards from spending Based on $1,500 in monthly spending $130.50

First-year annual fee No annual fee $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $230.50

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1%	$54
Dining	$300	0.5%	$18
Gas and transit	$150	1%	$18
Travel	$75	0.5%	$4.50
Recurring bills	$75	1%	$9
Other purchases	$450	0.5%	$27

RateBuddy cash rebate This separate rebate is not included in the card value or ranking above. +$60

Potential first-year value with RateBuddy rebate $290.50

Earn 5% cash back for the first 3 months, get a 0.99% balance-transfer rate for 9 months and pay no annual fee.*

Details

Earn 5% cash back on the first $2,000 in eligible purchases during the first three months, for up to $100 in promotional cash back. Plus, get a 0.99% introductory interest rate on balance transfers for the first nine months. A 2% fee per cash advance applies, and the standard 22.99% cash-advance rate applies afterward. The annual fee is $0 for primary and supplementary cards. Eligibility restrictions and conditions apply.*

Welcome bonus (up to): $100

RateBuddy rebate: $60

Get from RateBuddy$60

Rebate ends Oct 31, 2026

Get this offer View Offer Learn more

Exclusive Ratebuddy Rebate $100 RateBuddy rebate

Scotiabank®
Scotiabank® Value® Visa* Card
Featured

Get 0% on balance transfers for 9 months and pay no annual fee in the first year.*

Details

Get a 0% promotional interest rate on eligible balance transfers for the first nine months, subject to a 1% balance-transfer fee. Plus, pay no annual fee during the first year. The standard annual fee is $29, supplementary cards have no annual fee, and the maximum balance-transfer amount is $49,999.99. Eligibility restrictions and conditions apply.*

Get from RateBuddy$100

Rebate ends Oct 31, 2026

Get this offer View Offer Learn more

BMO Bank of Montreal

BMO eclipse Visa Infinite Privilege Card

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,500

Estimated rewards from spending Based on $1,500 in monthly spending $648

First-year annual fee Fee charged during the first year $599

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,549

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	5%	$270
Dining	$300	5%	$180
Gas and transit	$150	5%	$90
Travel	$75	5%	$45
Recurring bills	$75	1%	$9
Other purchases	$450	1%	$54

Up to $2,300 including up to 200,000 points and NEXUS Statement Credit

View Offer Learn more

BMO Bank of Montreal

BMO Ascend World Elite Mastercard

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $650

Estimated rewards from spending Based on $1,500 in monthly spending $306

First-year annual fee $150 first-year fee waiver applied ~~$150~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $956

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1%	$54
Dining	$300	3%	$108
Gas and transit	$150	1%	$18
Travel	$75	5%	$45
Recurring bills	$75	3%	$27
Other purchases	$450	1%	$54

Up to $1,600 in value

View Offer Learn more

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $49 Primary cardholder

Purchase APR 20.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR 22.99% When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $15 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income —

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $120 annually

Purchase APR 20.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR 22.99% When available

Foreign transaction fee 2.50% Foreign-currency purchases

Additional card fee $50 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $60,000

Minimum household income $100,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

BMO eclipse Visa Infinite Privilege Card

Annual fee $599

Purchase APR 21.99%

Cash advance 23.99%

BMO Bank of Montreal

Best for Travel Rewards Balance Transfer Premium

BMO eclipse Visa Infinite Privilege Card

Best for Travel Rewards Balance Transfer Premium

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,500

Estimated rewards from spending Based on $1,500 in monthly spending $648

First-year annual fee Fee charged during the first year $599

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,549

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	5%	$270
Dining	$300	5%	$180
Gas and transit	$150	5%	$90
Travel	$75	5%	$45
Recurring bills	$75	1%	$9
Other purchases	$450	1%	$54

Up to $2,300 including up to 200,000 points and NEXUS Statement Credit

Balance transfer: 0% Balance Transfer for 12 months (2% transfer fee).

Card highlights

Airport Lounge Access Travel Medical Insurance Mobile Device Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $599 Primary cardholder

Purchase APR 21.99% Regular purchase rate

Cash advance APR 23.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee — Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $150,000

Minimum household income $200,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Annual fee $150$0 First year waived

Purchase APR 21.99%

Cash advance 23.99%

BMO Bank of Montreal

Best for Travel Rewards Balance Transfer Premium

BMO Ascend World Elite Mastercard

Best for Travel Rewards Balance Transfer Premium

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $650

Estimated rewards from spending Based on $1,500 in monthly spending $306

First-year annual fee $150 first-year fee waiver applied ~~$150~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $956

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1%	$54
Dining	$300	3%	$108
Gas and transit	$150	1%	$18
Travel	$75	5%	$45
Recurring bills	$75	3%	$27
Other purchases	$450	1%	$54

First year free

Up to $1,600 in value

Balance transfer: 0% Balance Transfer for 12 months (2% transfer fee).

Card highlights

Airport Lounge Access Travel Medical Insurance First-Year Fee Waived Mobile Device Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $150 annually

Purchase APR 21.99% Regular purchase rate

Cash advance APR 23.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee — Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $80,000

Minimum household income $150,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Annual fee $120$0 First year waived

Purchase APR 21.99%

Cash advance 23.99%

BMO Bank of Montreal

Best for Cash Back Balance Transfer Premium

BMO CashBack World Elite Mastercard

Best for Cash Back Balance Transfer Premium

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $320

Estimated rewards from spending Based on $1,500 in monthly spending $441

First-year annual fee $120 first-year fee waiver applied ~~$120~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $761

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	5%	$270
Dining	$300	1%	$36
Gas and transit	$150	3%	$54
Travel	$75	1%	$9
Recurring bills	$75	2%	$18
Other purchases	$450	1%	$54

First year free

Up to $650 in value

Balance transfer: 0% Balance Transfer for 12 months (2% transfer fee).

Card highlights

Airport Lounge Access Travel Medical Insurance First-Year Fee Waived Introductory 0% APR on Balance Transfers Extended Warranty Insurance Purchase Security Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $120 annually

Purchase APR 21.99% Regular purchase rate

Cash advance APR 23.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee — Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $80,000

Minimum household income $150,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Annual fee $0

Purchase APR 21.99%

Cash advance 23.99%

BMO Bank of Montreal

Best for Travel Rewards No Annual Fee Balance Transfer

BMO eclipse rise Visa Card

Best for Travel Rewards No Annual Fee Balance Transfer

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $168

Estimated rewards from spending Based on $1,500 in monthly spending $288

First-year annual fee No annual fee $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $456

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	2.5%	$135
Dining	$300	2.5%	$90
Gas and transit	$150	0.5%	$9
Travel	$75	0.5%	$4.50
Recurring bills	$75	2.5%	$22.50
Other purchases	$450	0.5%	$27

20,000 points + up to 5,000 bonus points every year

Balance transfer: 0.99% Balance Transfer for 9 months (2% transfer fee).

Card highlights

No Annual Fee Mobile Device Insurance Extended Warranty Insurance Purchase Security Insurance Baggage Delay/Loss Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 Primary cardholder

Purchase APR 21.99% Regular purchase rate

Cash advance APR 23.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee — Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income —

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Annual fee $0

Purchase APR 21.99%

Cash advance 23.99%

BMO Bank of Montreal

Best for Cash Back No Annual Fee Balance Transfer

BMO CashBack Mastercard

Best for Cash Back No Annual Fee Balance Transfer

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $100

Estimated rewards from spending Based on $1,500 in monthly spending $229.50

First-year annual fee No annual fee $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $329.50

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	3%	$162
Dining	$300	0.5%	$18
Gas and transit	$150	0.5%	$9
Travel	$75	0.5%	$4.50
Recurring bills	$75	1%	$9
Other purchases	$450	0.5%	$27

Up to 5% cash back in your first 3 months

Balance transfer: 0.99% Balance Transfer for 9 months (2% transfer fee).

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 Primary cardholder

Purchase APR 21.99% Regular purchase rate

Cash advance APR 23.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee — Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income —

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Annual fee $100

Purchase APR 20.90%

Cash advance 21.90%

Desjardins Group

Best for Cash Back Travel Rewards Balance Transfer

Cash Back World Elite® Mastercard®

Best for Cash Back Travel Rewards Balance Transfer

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value No current monetary welcome-offer estimate was included $0

Estimated rewards from spending Based on $1,500 in monthly spending $414

First-year annual fee Fee charged during the first year $100

Estimated first-year card value Welcome value + spending rewards − first-year fee $314

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	4%	$216
Dining	$300	3%	$108
Gas and transit	$150	1%	$18
Travel	$75	1%	$9
Recurring bills	$75	1%	$9
Other purchases	$450	1%	$54

Card highlights

Travel Medical Insurance Introductory 0% APR on Balance Transfers Mobile Device Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $100 Primary cardholder

Purchase APR 20.90% Regular purchase rate

Cash advance APR 21.90% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $30 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $80,000

Minimum household income $150,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Showing 8 of 15 cards

Ratebuddy Cash Rebate$60

Scotiabank®
Scotia Momentum® No-Fee Visa* Card
Credit card

Earn 5% cash back for the first 3 months, get a 0.99% balance-transfer rate for 9 months and pay no annual fee.*

Offer details
Earn 5% cash back on the first $2,000 in eligible purchases during the first three months, for up to $100 in promotional cash back. Plus, get a 0.99% introductory interest rate on balance transfers for the first nine months. A 2% fee per cash advance applies, and the standard 22.99% cash-advance rate applies afterward. The annual fee is $0 for primary and supplementary cards. Eligibility restrictions and conditions apply.*

Get from RateBuddy$60Rebate ends Oct 31, 2026
Get this offer
Learn more about Scotia Momentum® No-Fee Visa* Card Apply now for Scotia Momentum® No-Fee Visa* Card (opens in a new tab)
Exclusive Ratebuddy Rebate$100

Scotiabank®
Scotiabank® Value® Visa* Card
Credit card

Get 0% on balance transfers for 9 months and pay no annual fee in the first year.*

Offer details
Get a 0% promotional interest rate on eligible balance transfers for the first nine months, subject to a 1% balance-transfer fee. Plus, pay no annual fee during the first year. The standard annual fee is $29, supplementary cards have no annual fee, and the maximum balance-transfer amount is $49,999.99. Eligibility restrictions and conditions apply.*

Get from RateBuddy$100Rebate ends Oct 31, 2026
Get this offer
Learn more about Scotiabank® Value® Visa* Card Apply now for Scotiabank® Value® Visa* Card (opens in a new tab)
Desjardins Group
Odyssey® World Elite® Mastercard®
Credit card

Apply now
Learn more about Odyssey® World Elite® Mastercard®
Desjardins Group
Odyssey® Visa Infinite Privilege*
Credit card

Apply now
Learn more about Odyssey® Visa Infinite Privilege*
BMO Bank of Montreal
BMO Preferred Rate Mastercard
Credit card

Waived $29 annual fee for the first year + 0% intro rate on Balance Transfers

Apply now
Learn more about BMO Preferred Rate Mastercard
CIBC
CIBC Select Visa Card
Credit card

0% interest for up to 10 months on balance transfers (1% transfer fee) + First Year Annual Fee Rebate.

Apply now
Learn more about CIBC Select Visa Card
MBNA Canada
MBNA True Line Mastercard
Credit card

0% for 12 months on balance transfers

Offer details
You could get a 0% promotional annual interest rate ("AIR") for 12 months on balance transfers completed within 90 days of account opening.

Apply now
Learn more about MBNA True Line Mastercard

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0% Balance Transfer

Paying interest on existing debt? Moving it to a 0% introductory rate card could help you pause interest for 10-12 months.

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Lower Rates

Low Interest Rate

If you carry a balance occasionally, switching to a card with a lower fixed rate (e.g. 8.99% - 12.99%) can reduce your monthly costs.

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$0 Cost

No Annual Fee

Keep it simple. These cards offer practical benefits and rewards without the yearly membership cost. Ideal for daily budgeting.

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Shopping online in USD? Stop paying the hidden 2.5% surcharge banks add to foreign transactions. Keep that money in your pocket.

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Attack Your Principal Balance

High interest rates keep you trapped in a cycle of debt. These cards give you the strategic breathing room to pay off what you actually owe.

The Strategic "Interest Holiday"

A 0% balance transfer offer effectively pauses interest charges for a promotional period, often ranging from 6 to 12 months. This ensures that every single dollar you pay goes directly toward reducing your principal debt, rather than vanishing into interest payments. It stops the bleeding and allows your payments to actually make a dent. For anyone carrying a balance, this is one of the most powerful tools available to regain financial control.

Mathematical Savings

Even with a typical 1-3% balance transfer fee, the math is overwhelmingly in your favor. Moving high-interest debt (often 20%+) to a 0% or low-rate environment can save you hundreds or even thousands of dollars in interest charges over the course of a year. It converts "dead money" (interest) into debt reduction. Use our Balance Transfer Calculator to see exactly how much you could save based on your specific numbers.

Faster Path to Freedom

By drastically lowering your interest rate, you lower the "cost of carrying" your debt. This accelerates your payoff timeline, helping you become debt-free months or even years sooner than expected. It simplifies your finances by consolidating multiple high-interest debts into one single, manageable monthly payment. This psychological and financial relief can be the catalyst you need to eliminate credit card debt for good.

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KNOWLEDGE BASE

Frequently Asked Questions

Common questions about Compare Top Balance Transfer Offers Cards and financial strategy.

Disclaimer: Information is for educational purposes only and does not constitute financial or legal advice. Terms subject to change by issuers.

Credit card networks (Visa/Mastercard) set their own daily exchange rates, which are generally very close to the market rate. However, unless you have a No-FX fee card, the issuer adds a surcharge (usually 2.5%) on top of this rate, which is why the total cost is higher than the spot market rate.

Some loyalty programs (like Aeroplan or Scene+) allow for points pooling or transfers between family members, sometimes for free and sometimes for a fee. Check the specific terms and conditions of your loyalty program to see if transfers are permitted.

If a transaction pushes you over your limit, the issuer may decline the transaction or, in some cases, accept it and charge an 'Over-Limit Fee' (typically around $29). Exceeding your limit can also negatively impact your credit score. It is best to keep balances well below your limit.

While you can, it is generally not recommended if you are carrying a transferred balance. Payments are typically applied to the balance with the lowest interest rate first (or proportionally), meaning your new purchases might accrue interest immediately at the standard rate. Check the card's allocation of payments policy.

A balance transfer involves moving debt from one credit card to another, often to take advantage of a lower interest rate. Promotional offers may provide a low rate (e.g., 0%) for a set period (e.g., 6-10 months). Be aware that a transfer fee (often 1-3% of the amount) usually applies, and the standard interest rate will apply to any remaining balance after the promo period ends.

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Best Credit Card Offers — October 2026

Scotia Momentum® Visa Infinite +* Card

Scotia Momentum® Visa* Card

Scotia Momentum® No-Fee Visa* Card

Scotiabank® Value® Visa* Card

BMO eclipse Visa Infinite Privilege Card

BMO Ascend World Elite Mastercard

Compare Top Balance Transfer Offers — October 2026

Eligibility snapshot

How rewards work

2% cash back on groceries and drugstores

2% cash back on gas and transit

2% cash back on recurring payments

1% cash back on other purchases

Extra card benefits

Up to 7¢/L in value at Shell

Redeem cash back at any time

Save up to 25% on car rentals

Scotia SelectPay options

Coverage details

Purchase Security

Extended Warranty Protection

Optional Scotia Credit Card Protection

Category earn rates

Eligibility snapshot

How rewards work

4% cash back on groceries

4% cash back on recurring payments

2% cash back on transportation and delivery

1% cash back on other purchases

Extra card benefits

Up to 7 cents per litre in value at Shell

GigSky mobile-data benefits

24/7 Visa Infinite concierge

Visa Infinite hotel and dining benefits

Up to 25% off eligible car rentals

Coverage details

Mobile Device Insurance

Travel Emergency Medical Insurance

Trip Cancellation Insurance

Trip Interruption Insurance

Flight Delay Insurance

Delayed and Lost Baggage Insurance

Travel Accident Insurance

Rental Car Collision/Loss Damage Insurance

Purchase Security and Extended Warranty

Eligibility snapshot

How rewards work

Groceries, Dining, Drugstore, Gas, Travel

All Other Purchases

Extra card benefits

Anniversary Lifestyle Credit

Authorized User Bonus

Airport Lounge Access

Priority Airport Services

NEXUS Rebate

Coverage details

Category earn rates

Eligibility snapshot

How rewards work

Travel Purchases

Dining & Entertainment

Recurring Bill Payments

All Other Purchases

Extra card benefits

Airport Lounge Access

NEXUS Rebate

FlexiRoam Data

Instacart+

Car Rental Discounts

Coverage details

Category earn rates

Eligibility snapshot

How rewards work

Scotia Momentum® Visa*  Card