- 7.99% introductory interest rate on purchases for the first 6 months
- 1% on eligible gas station, grocery store and drug store purchases and recurring bills
- 0.5% cash back on all other eligible purchases
- $0 annual fee
- Convenient with Visa payWave simply wave your card and go!
- Eligible for My Mobile Wallet
- 20% AVIS Car Rentals discount
4.3 / 5.0 (14 votes)
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Information - Rates - Fees

Intro APR:
Applied Towards:
Intro Period:
6 months*
Annual Fee:
Card Network:
Card Category:
Consumer (Premium)
Card Type:
Instant Decision Card
Reward Card
Credit Needed:
Grace Period:
21 days*
Min Credit Line:
Late Payment Fee:
Over Limit Fee:

Balance Transfers

Balance Transfer:
Transfer Fee (%):

Cash Advances

APR on Cash Advances (%):

Other Fees

Additional Fees
Foreign Currency Conversion fee: 2.5%

Review by

Looking for cash back on things like gas, groceries and even prescriptions? What if you could earn cash back on your recurring monthly payments, too? Look no further than the ScotiaBank Momentum. Not only will you earn 1 percent cash back on qualifying purchases and one half of one percent on other qualifying purchases, but this is a no annual fee card.

Another great benefit that comes as part of this co-branded offer is My Wallet. Eligibility is easy and it's a faster, more convenient way of making those last minute, daily quick purchases. No worries about security, either. Your Visa card comes with the latest security technology, making it safer than carrying cash. It incorporates Near Field Communication (NFC) technology, which makes it possible for short range wireless communication between the merchant and your payment information. With the power of both ScotiaBank and Visa, you're covered. The Visa Zero Liability Policy and ScotiaBank's Mobile Security Guarantee adds additional layers of protection.

No annual fee, a great rewards program that offers cash back - even on your monthly (or other) recurring payments and the power of ScotiaBank and Visa in your wallet, what more could you want in a credit card? Be sure to review the terms and conditions and apply today.


Most attractive:
- No annual fee
- Cash Back rewards
- Intro rates on purchases
- Free rewards program
Least attractive:
- No bonus rewards

Rewards & Benefits

Reward Types:
CashBack Reward Cards
Gas Reward Cards
Universal Reward Cards
Reward Unit:
- 1% on eligible gas station, grocery store and drug store purchases and recurring bills
- 0.5% cash back on all other eligible purchases
Yearly Limit:
Other Benefits:
- Scotia Credit Card Protection (optional)
- Visa payWave
- My Mobile Wallet
- AVIS car rental discounts
*See terms and conditions of the card for other benefits
Online Access:

The information provided for No-Fee Scotia Momentum® VISA® Credit Card is believed to be accurate at the time of evaluation (Mar 1, 2017). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.