- First year annual fee waived†
- 4% on eligible gas station and grocery store purchases
- 2% on eligible drug store purchases and recurring bill payments
- 1% cash back on all other eligible everyday purchases
- Rates, fees, and other information are subject to change.
4.5 / 5.0 (5 votes)
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Information - Rates - Fees

Intro APR:
Applied Towards:
Balance Transfer
Cash Advance
Intro Period:
Annual Fee:
$99 Waived for the first year*
Card Network:
Card Category:
Consumer (Premium)
Card Type:
Instant Decision Card
Reward Card
Credit Needed:
Grace Period:
See Terms*
Min Credit Line:
Late Payment Fee:
Over Limit Fee:

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):

Other Fees

Additional Fees
Foreign Currency Conversion: 2.50 %


For card application, the Minimum Annual Income Required: $60,000 individual, $100,000 household

Promotion's Legal Reference:

We will waive the initial annual fee for the primary card and each additional supplementary card for the first year (the "Offer"). Offer applies to new Accounts only that are opened by a defined date (the website for details) (the "Offer End Date"). Any additional supplementary cards must be issued by the defined date (see terms & conditions), to qualify for the offer. Offer applies only to new Scotiabank credit card accounts opened by the Offer End Date. Former or current Scotiabank credit cardholders that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account are excluded from this Offer. Offer may be changed or extended and cannot be combined with any other offer.

The preferred annual fee is $99 for the primary card and $30 for each additional supplementary card. Rates and fees are subject to change.

Review by

These days, consumers are exposed to a vast number of financial products, whether it's credit card offers, invitations to change their banks and a host of other enticements. For most of us, though, we just want our bank accounts and credit cards to simply serve their purpose, minus the unnecessary hype. That's exactly why more are turning to ScotiaBank and its Momentum Visa offer.

The rewards program is impressive as are the cash back opportunities. In fact, many of your purchases can include up to 4 percent cash back. Other eligible purchases can earn up to 3 percent cash back. See the website for details.

For more than a century ScotiaBank has strived to provide consumers with better choices when it comes to their money. That's one reason why all of its products are designed to be affordable and secure. With Visa, card holders know there are safety mechanisms in place to protect their information. Not only that, but convenience is a priority, which is one reason why payWave is so successful. Customers also have the power of ScotiaBank, as well. Great rewards, an easy application process and two of the biggest names in the industry is our idea of a solid credit choice.


Most attractive:
- Intro rates
- Rewards program
- Premium benefits
Least attractive:
- International transaction fee
- Annual fee from 2nd year

Rewards & Benefits

Reward Types:
Gas Reward Cards
Merchandise Reward Cards
Universal Reward Cards
Reward Unit:
- 4% on eligible gas station & grocery store purchases
- 2% on eligible drug store purchases & recurring bill payments
- 1% cash back on all other eligible everyday purchases
Yearly Limit:
Other Benefits:
- Travel Emergency Medical Insurance
- Trip Interruption Insurance
- 25% AVIS Car Rentals discount
- Visa payWave
- VISA Infinite Enhancements
- Rental Car Collision/Loss Damage Insurance
*See Terms and Conditions of the card for more benefits
Online Access:

The information provided for Scotia Momentum® VISA® Infinite Card is believed to be accurate at the time of evaluation (Aug 30, 2018). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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