Scotia Momentum® Visa Infinite +* Card
Scotiabank
- Annual fee
- $1201st year free
- Foreign fee
- 2.5%
- Annual fee
- $120 $0
- Base Rewards Rate
- 1%
- Welcome bonus
- $300
Cash Back
(Up to)
Applications are submitted to Scotiabank
Scotia Momentum® Visa Infinite +* Card vs Tangerine Money-Back Credit Card
A field-by-field comparison of Scotia Momentum® Visa Infinite +* Card and Tangerine Money-Back Credit Card, built from the same card data that powers our comparison tools. Every figure below traces back to a data field — nothing here is an editorial estimate.
Tangerine Money-Back Credit Card
Tangerine
- Annual fee
- $0
- Foreign fee
- 2.5%
- Annual fee
- $0
- Base Rewards Rate
- 0.5%
- Welcome bonus
- $100
Cash Back
(Up to)
Applications are submitted to Tangerine
Key features at a glance
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Issuer | Scotiabank | Tangerine |
| Network | ||
| Program | Cash Back | Cash Back |
| Point default value | 1¢/point (cash back) | 1¢/point (cash back) |
| Annual fee | $0 | $0Better on this row |
| Foreign transaction fee | 2.5% | 2.5% |
| Min. annual income | $60,000+ | $12,000+ |
| All purchases | 1xBetter on this row | 0.5x |
| Groceries | 4xBetter on this row | 2x |
| Gas | 2x | 2x |
| Purchase interest rate | 20.99% | 20.95%Better on this row |
The short answer
- Year oneScotia Momentum® Visa Infinite +* Card wins 6 of 6 profiles, Tangerine Money-Back Credit Card wins 0, and 0 are too close to call.Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
- Every year afterScotia Momentum® Visa Infinite +* Card wins 6 of 6 profiles, Tangerine Money-Back Credit Card wins 0, and 0 are too close to call.The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
- Scotia Momentum® Visa Infinite +* Card asks for a household income of $100,000 — $88,000 more than Tangerine Money-Back Credit Card at $12,000.
- Scotia Momentum® Visa Infinite +* Card includes Travel accident, Travel medical, Trip cancellation, Trip interruption, Flight delay, Delayed baggage, Lost baggage, Car rental and Mobile device, which Tangerine Money-Back Credit Card does not.
- Bills & recurring payments: Scotia Momentum® Visa Infinite +* Card earns 4%, against 0.5% on Tangerine Money-Back Credit Card.The ceilingThat rate runs to $25,000 of spending a year. Past the ceiling, Scotia Momentum® Visa Infinite +* Card earns 1% — 1% back per dollar.
Where each card wins
Scotia Momentum® Visa Infinite +* Card
In its favour
- Scotia Momentum® Visa Infinite +* Card includes Travel accident, Travel medical, Trip cancellation, Trip interruption, Flight delay, Delayed baggage, Lost baggage, Car rental and Mobile device, which Tangerine Money-Back Credit Card does not.
- Bills & recurring payments: Scotia Momentum® Visa Infinite +* Card earns 4%, against 0.5% on Tangerine Money-Back Credit Card.The ceilingThat rate runs to $25,000 of spending a year. Past the ceiling, Scotia Momentum® Visa Infinite +* Card earns 1% — 1% back per dollar.
- Telecom: Scotia Momentum® Visa Infinite +* Card earns 4%, against 0.5% on Tangerine Money-Back Credit Card.The ceilingThat rate runs to $25,000 of spending a year. Past the ceiling, Scotia Momentum® Visa Infinite +* Card earns 1% — 1% back per dollar.
- Groceries: Scotia Momentum® Visa Infinite +* Card earns 4%, against 2% on Tangerine Money-Back Credit Card.The ceilingThat rate runs to $25,000 of spending a year. Past the ceiling, Scotia Momentum® Visa Infinite +* Card earns 1% (1% back per dollar) and Tangerine Money-Back Credit Card pulls ahead.
- Scotia Momentum® Visa Infinite +* Card waives its $120 annual fee for the first year.
- Transit: Scotia Momentum® Visa Infinite +* Card earns 2%, against 0.5% on Tangerine Money-Back Credit Card.The ceilingThat rate runs to $25,000 of spending a year. Past the ceiling, Scotia Momentum® Visa Infinite +* Card earns 1% — 1% back per dollar.
- Entertainment & streaming: Scotia Momentum® Visa Infinite +* Card earns 2%, against 0.5% on Tangerine Money-Back Credit Card.The ceilingThat rate runs to $25,000 of spending a year. Past the ceiling, Scotia Momentum® Visa Infinite +* Card earns 1% — 1% back per dollar.
- Scotia Momentum® Visa Infinite +* Card earns 1% on everything, against 0.5% on Tangerine Money-Back Credit Card.
Against it
- Scotia Momentum® Visa Infinite +* Card asks for a household income of $100,000 — $88,000 more than Tangerine Money-Back Credit Card at $12,000.
- Scotia Momentum® Visa Infinite +* Card asks for a personal income of $60,000 — $48,000 more than Tangerine Money-Back Credit Card at $12,000.
Tangerine Money-Back Credit Card
In its favour
- Tangerine Money-Back Credit Card has no annual fee, while Scotia Momentum® Visa Infinite +* Card charges $120 a year.
- Tangerine Money-Back Credit Card unlocks its bonus after $1,000 of spending over 2 months, $1,000 less than Scotia Momentum® Visa Infinite +* Card at $2,000 over 3 months.
Against it
No material difference in this card's favour was found in the data we compare.
Welcome offer
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Welcome bonusNot comparable in the same units | Up to $300 | Up to $100 |
| Our valuationDepends on how you spend | $420 | $100 |
Income required
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Min. annual income | $60,000+ | $12,000+ |
| Min. household income | $100,000+ | $12,000+ |
Earning rewards
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Groceries | 4xBetter on this row | 2x |
| Restaurants | 1xBetter on this row | 0.5x |
| Gas | 2x | 2x |
| Local transit | 2xBetter on this row | 0.5x |
| Travel | 1xBetter on this row | 0.5x |
| Pharmacies | 1xBetter on this row | 0.5x |
| Convenience stores | 1xBetter on this row | 0.5x |
| Streaming | 2xBetter on this row | 0.5x |
| Telecom | 4xBetter on this row | 0.5x |
| Entertainment | 1xBetter on this row | 0.5x |
| Recurring payments | 4xBetter on this row | 0.5x |
| Online purchases | 1xBetter on this row | 0.5x |
| Office supplies | 1xBetter on this row | 0.5x |
| All purchases | 1xBetter on this row | 0.5x |
Benefits
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Airport lounge access | ✗ | ✗ |
| Priority boarding | ✗ | ✗ |
| Wi-Fi access | ✗ | ✗ |
Annual fee and rates
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Annual fee | $0 | $0Better on this row |
| Additional card | $50 | $0 |
| First year free | ✓ | ✗ |
| Foreign transaction fee | 2.5% | 2.5% |
| Purchase interest rate | 20.99% | 20.95%Better on this row |
| Purchase rate (Quebec) | 20.99% | 20.95% |
| Cash advance rate | 22.99% | 22.95% |
Insurance
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Travel accident | $500,000Better on this row | — |
| Travel medical | $1,000,000Better on this row | — |
Card details
Which one wins, by spending profile
Grocery-heavy household
A family basket weighted towards groceries and everyday spending.
Assumes $54,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotia Momentum® Visa Infinite +* Card comes out ahead
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Rewards earned | $1,362 | $540 |
| Annual fee | $0 | $0 |
| Welcome bonus | $300 | $100 |
| Net value | $1,662 | $640 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotia Momentum® Visa Infinite +* Card comes out ahead
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Rewards earned | $1,362 | $540 |
| Annual fee | −$120 | $0 |
| Net value | $1,242 | $540 |
Show the per-category math
| Category | Spending | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $13,800 | 4% | $552 | 2% | $276 |
| Gas & EV | $4,200 | 2% | $84 | 2% | $84 |
| Transit | $2,700 | 2% | $54 | 0.5%base rate | $13.50 |
| Restaurants | $4,800 | 1%base rate | $48 | 0.5%base rate | $24 |
| Pharmacy | $900 | 1%base rate | $9 | 0.5%base rate | $4.50 |
| Travel | $1,500 | 1%base rate | $15 | 0.5%base rate | $7.50 |
| Bills & recurring payments | $5,100 | 4% | $204 | 0.5%base rate | $25.50 |
| Telecom | $4,800 | 4% | $192 | 0.5%base rate | $24 |
| Entertainment & streaming | $4,200 | 2% | $84 | 0.5%base rate | $21 |
| Office supplies | $0 | 1%base rate | $0 | 0.5%base rate | $0 |
| Online advertising | $0 | 1%base rate | $0 | 0.5%base rate | $0 |
| Other | $12,000 | 1%base rate | $120 | 0.5%base rate | $60 |
Light spender
A modest basket where an annual fee weighs heavily.
Assumes $21,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotia Momentum® Visa Infinite +* Card comes out ahead
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Rewards earned | $531 | $204 |
| Annual fee | $0 | $0 |
| Welcome bonus | $300 | $100 |
| Net value | $831 | $304 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotia Momentum® Visa Infinite +* Card comes out ahead
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Rewards earned | $531 | $204 |
| Annual fee | −$120 | $0 |
| Net value | $411 | $204 |
Show the per-category math
| Category | Spending | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $4,800 | 4% | $192 | 2% | $96 |
| Gas & EV | $1,800 | 2% | $36 | 2% | $36 |
| Transit | $900 | 2% | $18 | 0.5%base rate | $4.50 |
| Restaurants | $2,100 | 1%base rate | $21 | 0.5%base rate | $10.50 |
| Pharmacy | $600 | 1%base rate | $6 | 0.5%base rate | $3 |
| Travel | $600 | 1%base rate | $6 | 0.5%base rate | $3 |
| Bills & recurring payments | $2,100 | 4% | $84 | 0.5%base rate | $10.50 |
| Telecom | $2,400 | 4% | $96 | 0.5%base rate | $12 |
| Entertainment & streaming | $1,500 | 2% | $30 | 0.5%base rate | $7.50 |
| Office supplies | $0 | 1%base rate | $0 | 0.5%base rate | $0 |
| Online advertising | $0 | 1%base rate | $0 | 0.5%base rate | $0 |
| Other | $4,200 | 1%base rate | $42 | 0.5%base rate | $21 |
Everyday couple
A balanced two-person basket across groceries, dining and bills.
Assumes $36,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotia Momentum® Visa Infinite +* Card comes out ahead
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Rewards earned | $906 | $351 |
| Annual fee | $0 | $0 |
| Welcome bonus | $300 | $100 |
| Net value | $1,206 | $451 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotia Momentum® Visa Infinite +* Card comes out ahead
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Rewards earned | $906 | $351 |
| Annual fee | −$120 | $0 |
| Net value | $786 | $351 |
Show the per-category math
| Category | Spending | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $9,000 | 4% | $360 | 2% | $180 |
| Gas & EV | $2,400 | 2% | $48 | 2% | $48 |
| Transit | $1,800 | 2% | $36 | 0.5%base rate | $9 |
| Restaurants | $3,600 | 1%base rate | $36 | 0.5%base rate | $18 |
| Pharmacy | $600 | 1%base rate | $6 | 0.5%base rate | $3 |
| Travel | $1,200 | 1%base rate | $12 | 0.5%base rate | $6 |
| Bills & recurring payments | $3,000 | 4% | $120 | 0.5%base rate | $15 |
| Telecom | $3,600 | 4% | $144 | 0.5%base rate | $18 |
| Entertainment & streaming | $3,600 | 2% | $72 | 0.5%base rate | $18 |
| Office supplies | $0 | 1%base rate | $0 | 0.5%base rate | $0 |
| Online advertising | $0 | 1%base rate | $0 | 0.5%base rate | $0 |
| Other | $7,200 | 1%base rate | $72 | 0.5%base rate | $36 |
Retiree
A basket tilted towards groceries, pharmacy and travel.
Assumes $27,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotia Momentum® Visa Infinite +* Card comes out ahead
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Rewards earned | $702 | $274.50 |
| Annual fee | $0 | $0 |
| Welcome bonus | $300 | $100 |
| Net value | $1,002 | $374.50 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotia Momentum® Visa Infinite +* Card comes out ahead
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Rewards earned | $702 | $274.50 |
| Annual fee | −$120 | $0 |
| Net value | $582 | $274.50 |
Show the per-category math
| Category | Spending | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $7,200 | 4% | $288 | 2% | $144 |
| Gas & EV | $2,100 | 2% | $42 | 2% | $42 |
| Transit | $1,200 | 2% | $24 | 0.5%base rate | $6 |
| Restaurants | $2,400 | 1%base rate | $24 | 0.5%base rate | $12 |
| Pharmacy | $600 | 1%base rate | $6 | 0.5%base rate | $3 |
| Travel | $900 | 1%base rate | $9 | 0.5%base rate | $4.50 |
| Bills & recurring payments | $2,700 | 4% | $108 | 0.5%base rate | $13.50 |
| Telecom | $2,700 | 4% | $108 | 0.5%base rate | $13.50 |
| Entertainment & streaming | $2,100 | 2% | $42 | 0.5%base rate | $10.50 |
| Office supplies | $0 | 1%base rate | $0 | 0.5%base rate | $0 |
| Online advertising | $0 | 1%base rate | $0 | 0.5%base rate | $0 |
| Other | $5,100 | 1%base rate | $51 | 0.5%base rate | $25.50 |
International traveller
A couple's basket with a quarter of the spending charged in another currency.
Assumes $36,000 of card spending a year, of which 25% is charged in a foreign currency (a scenario assumption, not measured data)
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotia Momentum® Visa Infinite +* Card comes out ahead
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Rewards earned | $906 | $351 |
| Foreign transaction fees | −$225 | −$225 |
| Annual fee | $0 | $0 |
| Welcome bonus | $300 | $100 |
| Net value | $981 | $226 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotia Momentum® Visa Infinite +* Card comes out ahead
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Rewards earned | $906 | $351 |
| Foreign transaction fees | −$225 | −$225 |
| Annual fee | −$120 | $0 |
| Net value | $561 | $126 |
Show the per-category math
| Category | Spending | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $9,000 | 4% | $360 | 2% | $180 |
| Gas & EV | $2,400 | 2% | $48 | 2% | $48 |
| Transit | $1,800 | 2% | $36 | 0.5%base rate | $9 |
| Restaurants | $3,600 | 1%base rate | $36 | 0.5%base rate | $18 |
| Pharmacy | $600 | 1%base rate | $6 | 0.5%base rate | $3 |
| Travel | $1,200 | 1%base rate | $12 | 0.5%base rate | $6 |
| Bills & recurring payments | $3,000 | 4% | $120 | 0.5%base rate | $15 |
| Telecom | $3,600 | 4% | $144 | 0.5%base rate | $18 |
| Entertainment & streaming | $3,600 | 2% | $72 | 0.5%base rate | $18 |
| Office supplies | $0 | 1%base rate | $0 | 0.5%base rate | $0 |
| Online advertising | $0 | 1%base rate | $0 | 0.5%base rate | $0 |
| Other | $7,200 | 1%base rate | $72 | 0.5%base rate | $36 |
Frequent foreign spender
A deliberately aggressive scenario: half of all spending charged in another currency.
Assumes $31,800 of card spending a year, of which 50% is charged in a foreign currency (a scenario assumption, not measured data)
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotia Momentum® Visa Infinite +* Card comes out ahead
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Rewards earned | $756 | $280.50 |
| Foreign transaction fees | −$397.50 | −$397.50 |
| Annual fee | $0 | $0 |
| Welcome bonus | $300 | $100 |
| Net value | $658.50 | −$17 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotia Momentum® Visa Infinite +* Card comes out ahead
| Feature | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card |
|---|---|---|
| Rewards earned | $756 | $280.50 |
| Foreign transaction fees | −$397.50 | −$397.50 |
| Annual fee | −$120 | $0 |
| Net value | $238.50 | −$117 |
Show the per-category math
| Category | Spending | Scotia Momentum® Visa Infinite +* Card | Tangerine Money-Back Credit Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $6,000 | 4% | $240 | 2% | $120 |
| Gas & EV | $2,100 | 2% | $42 | 2% | $42 |
| Transit | $1,800 | 2% | $36 | 0.5%base rate | $9 |
| Restaurants | $4,200 | 1%base rate | $42 | 0.5%base rate | $21 |
| Pharmacy | $600 | 1%base rate | $6 | 0.5%base rate | $3 |
| Travel | $900 | 1%base rate | $9 | 0.5%base rate | $4.50 |
| Bills & recurring payments | $3,000 | 4% | $120 | 0.5%base rate | $15 |
| Telecom | $3,600 | 4% | $144 | 0.5%base rate | $18 |
| Entertainment & streaming | $2,100 | 2% | $42 | 0.5%base rate | $10.50 |
| Office supplies | $0 | 1%base rate | $0 | 0.5%base rate | $0 |
| Online advertising | $0 | 1%base rate | $0 | 0.5%base rate | $0 |
| Other | $7,500 | 1%base rate | $75 | 0.5%base rate | $37.50 |
Frequently asked questions
Which costs less per year, Scotia Momentum® Visa Infinite +* Card or Tangerine Money-Back Credit Card?
Tangerine Money-Back Credit Card charges $0 a year, against $120 for Scotia Momentum® Visa Infinite +* Card.
Which is better for spending in another currency, Scotia Momentum® Visa Infinite +* Card or Tangerine Money-Back Credit Card?
Both charge 2.5% on purchases in another currency.
Which card comes out ahead, Scotia Momentum® Visa Infinite +* Card or Tangerine Money-Back Credit Card?
It depends on how you spend. Across the 6 spending profiles on this page, Scotia Momentum® Visa Infinite +* Card wins 6 in year one, Tangerine Money-Back Credit Card wins 0, and 0 are too close to call.
Do these earn rates have spending caps?
Yes — where a card caps a category, the ceiling is stated next to the rate on this page, along with what the card earns beyond it.
How we compare
- Every figure on this page is read from the card data we maintain — annual fees, foreign transaction fees, earn rates, spending caps, welcome offers, insurance and lounge access.
- Points are valued at our published valuation for each card's loyalty program. Cash back is counted at face value.
- The spending profiles are standard baskets, not your spending. The share charged in a foreign currency is a stated scenario assumption.
- Year one and the years after are kept separate: the welcome bonus and any first-year fee waiver only count in year one.
- We may earn a commission when you apply through the links on this page. It never changes the figures above — they come from the same data for every card.
Ready to apply?
Applications are submitted on the issuer's own site. Nothing you read above changes if you apply from here.
- Annual fee
- $120 $0
- Base Rewards Rate
- 1%
- Welcome bonus
- $300
Cash Back
(Up to)
Applications are submitted to Scotiabank
- Annual fee
- $0
- Base Rewards Rate
- 0.5%
- Welcome bonus
- $100
Cash Back
(Up to)
Applications are submitted to Tangerine