Introductory offer

15% cash back for the first 3 months

Introductory conditions

On up to $2,000 in purchases; maximum $300 cash back. Apply by November 1, 2026.

Ongoing earn rates

4% cash back: groceries, recurring bills and subscriptions. 2% cash back: gas, EV charging, daily transit and food delivery. 1% cash back: other purchases.

Reward notes

Separate balance-transfer promotion: 0% for 12 months, 2% transfer fee, then 22.99%. First-year annual fee waiver applies to eligible new accounts.

Fees & eligibility

Annual card fee

$120

Additional card fee

$50

Minimum personal income

$60,000

Minimum household income

$100,000

Credit score

725

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 Visa Infinite Card

15% cash back for the first 3 months

About this card

Explore Scotia Momentum Visa Infinite Card from Scotiabank. Compare this cash back card, review eligibility and check application availability with Card Turbo.

Scotia Momentum Visa Infinite Card is a cash back card from Scotiabank. 4% cash back: groceries, recurring bills and 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.