Introductory offer

5% cash back for the first 3 months

Introductory conditions

Up to $2,000 total purchases; maximum $100 promotional cash back. Apply by November 1, 2026.

Ongoing earn rates

1% cash back: eligible groceries, drugstores, food delivery/subscriptions, gas, EV charging, transit, rideshare and recurring bills/subscriptions. 0.5% cash back: other purchases.

Reward notes

Separate balance-transfer offer: 0.99% for 9 months, 2% transfer fee, then 22.99%.

Fees & eligibility

Annual card fee

$0

Additional card fee

$0

Minimum personal income

$12,000

Minimum household income

Not published

Credit score

660

Purchase interest rate

20.99%

Balance transfer rate

22.99%

Cash advance rate

22.99%

Reward timing

Rewards require issuer verification and funding. Timing depends on the offer conditions.

Payout processing is confirmed with your chosen payment method.

Scotia Momentum No-Fee Visa Card

5% cash back for the first 3 months

About this card

Explore Scotia Momentum No-Fee Visa Card from Scotiabank. Compare this cash back card, review eligibility and check application availability with Card Turbo.

Scotia Momentum No-Fee Visa Card is a cash back card from Scotiabank. 1% cash back: eligible groceries, drugstores, food delivery/subscriptions, gas, EV charging, transit, rideshare and recurring bills/subscriptions.

Before you apply

Issuer approval, eligibility rules and offer conditions apply. Welcome bonuses may require spending milestones and continued card membership. Confirm current terms directly with the issuer. Any Card Turbo approval reward is separate and requires eligible tracking, verification and funding. Draft offers cannot be applied for.