Scotia Momentum Visa Infinite Card

Earn rates

• grocery and recurring bill payments4%

  up to $25,000 annual spend limit

• gas and daily transit2%

  up to $25,000 annual spend limit

• all other purchases1%

Welcome offer

15% cash back on first $2,000 in everyday purchases (first 3 months) + first year annual fee waived

Bonus points

—

Minimum spend

—

Spend window

90 days

Offer ends

2026-11-01

Earn 15% cash back on the first $2,000 spent in everyday eligible purchases in first 3 months, plus first-year annual fee waiver; for accounts opened May 1, 2026 - November 1, 2026.

Fees

Annual fee

$120

Additional card

$50

Foreign transaction fee

—

Interest rates

Purchase APR

20.99%

Cash advance APR

22.99%

Balance transfer APR

—

Grace period

—

Rate effective date

—

Benefits & insurance

Lounge access

—

Insurance coverages

7

• Travel Emergency Medical Insurance
• Travel Accident Insurance
• Flight Delay Insurance
• Delayed and Lost Baggage Insurance
• Rental Car Collision Loss/Damage Insurance
• New Mobile Device Insurance
• Creditor Insurance

Redemption & eligibility

Reward currency

Cash Back

Redemption options

—

Transfer partners

—

Min. personal income

$60,000

Min. household income

$100,000

Minimum income of $60,000-$80,000 or more per year, a minimum household income of $100,000-$150,000 or more, or a minimum of $250,000-$300,000 or more assets under management.