Scotia Momentum® Visa Infinite +* Card
on Banque Scotia's website
Pros
- ✓First Year Annual Fee Rebate ($120 annual fee rebated)
- ✓Welcome Bonus: $300
- ✓Up to 4x on Groceries
- ✓Purchase protection included
- ✓Travel medical insurance included
Cons
- ✗Foreign Transaction Fee (2.5%)
- ✗No airport lounge access despite fee
Our Review
The Scotia Momentum® Visa Infinite*+ card is recognized, year after year, as one of the best cash back credit cards in Canada. Milesopedia has even named it best cash back credit card in 2026.
Currently, thanks to this promotional offer, the Scotia Momentum Visa Infinite +* Card has no annual fee for the first year, including on additional cards. And you can get 15% cash back on all your purchases for the first three months (up to $2,000 in total purchases).
It also includes a new convenient benefit for travellers: enjoy 10 GB of free GigSky global mobile data for 15 days, as well as access to Travel Essentials to use essential apps like messaging, maps, and email while on the go. Cardholders also continue to receive 1 GB of free GigSky mobile data per year, plus a 20% discount on future GigSky purchases.
With the Scotia Momentum® Visa Infinite +* card, you get:
- 4% cash back on grocery purchases and recurring payments
- 2% cash back on gas purchases, public transit, carpooling, and food delivery
- 1% cash back on all other purchases
For example, if you spend $1,000 per month on grocery purchases and/or recurring payments, you will get $40 cash back per month, or $480 per year, with this card, for this purchase category. And that’s not counting the other purchases you make with this card and the benefits it offers (including its excellent insurance coverage).
If you are a renter, you could, for example, use the Scotia Momentum Visa Infinite Card on the Chexy site to pay your rent and get 4% cash back.
Also note that you can use your cash back at any time (the cash back balance must be at least $25).
Offer ends: 2026-11-01
Rewards
All Spending
1x
Cash Back pts per dollar
Groceries
4x
Gas
2x
Transit
2x
Recurring
4x
Telecom
4x
Streaming
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$725
$/yr
Estimated Value
$725
After Fees
+$725
1st Year Value
$1,025
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
Travel Medical
Up to $1,000,000 / 15 days
Trip Interruption
Up to $2,000
Delayed Baggage
Up to $500
Lost Baggage
Up to $500
Flight Delay
Up to $500
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000
Auto Rental
Up to $65,000 / 48 days
Interest Rates
- Purchase Rate20.99%
- Cash Advance22.99%
- Foreign Transaction Fee2.5%
Perks & Benefits
Concierge Service
24/7
Terms & Conditions
Card Features
Earn 15% Cash Back on all purchases for the first 3 months (up to $2,000 in total purchases)1.
Plus, no annual fee in the first year, including on additional cards1.
- 4% for every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases
- 2% for every $1 you spend on gas and daily transit purchases
- 1% cash back on all other purchases with no cashback limit
- Visa Infinite* Concierge Services
- Visa Infinite* Hotel Collection
- Visa Infinite* Dining and Wine Country Program
- Comprehensive Travel Insurance & New Mobile Device Insurance coverage.
- New 2% Cash Back earn category: You will earn 2% on all eligible purchases of Food Delivery1.
- New Cash Back Anytime feature: Redeem your earned cash back whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption)1.
Legal
Rates, fees and other information are effective as of May 1, 2026. Subject to change.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Banque Scotia. All trademarks are property of their respective owners.