- 7.99% introductory interest rate on purchases for the first 6 months*
- Cash back on everyday spending with no annual fee
- 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
- 0.5% cash back on all other eligible everyday purchases
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Information - Rates - Fees

Intro APR:
7.99%*
Applied Towards:
Purchases
Balance Transfer
Cash Advance
Checks
Intro Period:
6 months*
APR:
19.99%*
Annual Fee:
$0*
Issuer:
Card Network:
Card Category:
Consumer (Premium)
Card Type:
Instant Decision Card
Reward Card
Credit Needed:
Good*
Grace Period:
See Terms*
Min Credit Line:
$500
Late Payment Fee:
N/A*
Over Limit Fee:
$29.00

Balance Transfers

Balance Transfer:
Yes

Cash Advances

APR on Cash Advances (%):
22.99%

Other Fees

Additional Fees
Foreign Currency Conversion fee: 2.5%
Dishonored payment fee: $48

Comments

The introductory 7.99% interest rate applies to purchases only. This rate applies when the new Scotiabank credit card account ("Account") is opened and will then continue for 6 months from that date ("the Promotional Period"). After the Promotional Period, balances that were at 7.99% (including any unpaid balances) will increase to the preferred interest rate for purchases on your Account. Purchases exclude refunds, returns or other similar credits, payments, cash advances, balance transfers, Scotia Credit Card Cheques, interest, fees or other charges. Offer applies to new Accounts only that are opened by defined date (See website for details). Offer may be changed or extended and cannot be combined with any other offer. Rates and fees are subject to change

Features

Most attractive:
- Intro rates
- Rewards program
- No annual fee
Least attractive:
- No bonus points

Rewards & Benefits

Reward Types:
CashBack Reward Cards
Gas Reward Cards
Universal Reward Cards
Reward Unit:
Cash
Rewards:
- 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
- 0.5% cash back on all other eligible everyday purchases
Expiration:
None*
Yearly Limit:
None*
Other Benefits:
*See terms and conditions of the card for other benefits
Online Access:
Yes!

The information provided for Scotia Momentum® Mastercard® Credit Card is believed to be accurate at the time of evaluation (Apr 26, 2018). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.