Scotia Momentum® Visa Infinite +* Card
Top Pick Cash Back Travel Rewards Balance Transfer

Scotia Momentum® Visa Infinite +* Card

Scotiabank® Scotiabank®
Limited Time: 0% Balance Transfers + $0 First-Year Annual Fee + 15% Cash Back. Conditions apply.
Welcome Bonus: $0 First-year annual fees | 15% cash back for 3 months | $200 Exclusive Ratebuddy Cash Rebate Exp: Oct 31, 2026
Balance Transfer: 0% Balance Transfers and cash advances for 12 months. conditions apply. Exp: Oct 31, 2026
Get Ratebuddy Cash Rebate
$200 cash rebate
Get $200 Ratebuddy Cash Rebate
Offer ends Oct 31, 2026
Apply Now Get $200 Rebate & Apply
Secure RateBuddy connection · Application completed on Scotiabank®’s site
Annual Fee $0
$120 after first year
Purchase APR 20.99%
Cash Advance 22.99%
Bonus Value $300

RateBuddy Verdict

RateBuddy Take
The Scotia Momentum® Visa Infinite +* Card is a strong premium cash-back option for Canadians who spend regularly on groceries, recurring bills, gas and transportation. Its 4% cash-back categories are especially valuable for household expenses, while flexible cash-back redemption, mobile-device coverage and a broad insurance package add practical everyday value. The current 15% cash-back offer, first-year annual-fee waiver and 0% introductory balance-transfer rate make the first-year package particularly attractive for eligible new cardholders.
The Good
  • Earn 4% cash back on eligible grocery and recurring-payment purchases, plus 2% on eligible gas, electric-vehicle charging, transit, rideshare and food-delivery purchases.
  • The current welcome offer provides up to $300 cash back on the first $2,000 in eligible purchases, a first-year annual-fee waiver for the primary and additional cards, and a 0% introductory balance-transfer rate for 12 months.
  • Includes valuable protection and lifestyle benefits such as mobile-device insurance, travel insurance, purchase protection, GigSky mobile-data benefits, Visa Infinite services and eligible Shell fuel savings.
The Trade-offs
  • A $120 annual fee applies after the first-year waiver period, with a $50 annual fee for each additional card.
  • The 4% and 2% accelerated cash-back categories each have a separate $25,000 annual spending limit. Additional purchases above the applicable limit earn the regular 1% rate until the limit resets.
  • The introductory balance-transfer offer charges a 2% fee, subject to a $5 minimum, and the standard 22.99% cash-advance rate applies after the 12-month promotional period.

Rewards & Earnings

Base Rate —
Rewards Summary: Earn 4% cash back on eligible grocery and recurring-payment purchases, 2% on eligible gas, electric-vehicle charging, transit, rideshare and food-delivery purchases, and 1% on all other eligible purchases. The 4% and 2% categories each have a separate $25,000 annual spending limit, after which additional purchases in the applicable category earn 1%. Cash back can be redeemed in amounts of $25 or more through the Scotia app or online banking as a statement credit or deposit to an eligible Scotiabank account. Cash back does not expire while the account remains open and in good standing.

Welcome Bonus Details

$0 First-year annual fees | 15% cash back for 3 months | $200 Exclusive Ratebuddy Cash Rebate

Estimated Value: $300
Expires: Oct 31, 2026

Features & Benefits

Everyday Cash Back
Value: 4
Earn cash back on every purchase
Value: 1
Travel Medical Insurance
Value: 1000000
First-Year Fee Waived
Value: 120
Mobile Device Insurance
Value: 1000
Car Rental Collision/Loss Damage Waiver
Value: 48
Trip Cancellation/Interruption Insurance
Value: 10000
Extended Warranty Insurance
Value: 1
Purchase Security Insurance
Value: 90
Concierge Service
Flight Delay Insurance
Value: 500
Baggage Delay/Loss Insurance
Value: 500
Common Carrier Accident Insurance
Value: 500000

Additional Perks

Cardholders receive access to eligible Shell fuel savings, GigSky mobile-data benefits, Visa Infinite concierge and hotel benefits, dining experiences, car-rental savings and Scotia SelectPay. Enrolment, merchant classifications and other conditions may apply.

Insurance Coverage

Built-in coverage includes mobile-device insurance, travel emergency medical insurance, trip cancellation and interruption insurance, flight-delay coverage, delayed and lost baggage coverage, travel-accident insurance, rental-car collision/loss damage insurance, purchase security and extended-warranty protection. Coverage limits, payment requirements, eligibility conditions, exclusions and other restrictions apply.

Rates, Fees & Eligibility

Purchase APR20.99%
Cash Advance APR22.99%
Balance Transfer APR22.99%
Annual Fee$120
Supplementary Card Fee$50
Foreign Transaction Fee2.50%
Income Required Personal: $60,000
Household: $100,000
Recommended Credit Score—

Cardholder Reviews

A detailed view of approved RateBuddy community feedback for this card.
Be the first to share a cardholder perspective.
Approved reviews build this card’s score and detailed ratings breakdown.
No approved reviews yet
No public user reviews yet. Share your experience to help others compare this card.
Reviews are moderated before publication. RateBuddy does not publish reviewer email addresses or sensitive financial information.

Filed Under

Cash Back Travel Rewards Balance Transfer Premium / High-End
Apply Now Get $200 Rebate
Secure RateBuddy connection