- Get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).Offer ends Jan 3,2023
- Cash back with low annual fee
- Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery stores, drug store purchases, and recurring bill payments.
- Earn 1% cash back on all other eligible purchases.
3.9 / 5.0 (29 votes)
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Information - Rates - Fees

Intro APR:
Applied Towards:
Balance Transfer
Cash Advance
Intro Period:
6 months on BT*
Annual Fee:
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Instant Decision
Reward Card
Credit Needed:
Grace Period:
See Terms*
Min Credit Line:
Late Payment Fee:
Over Limit Fee:

Balance Transfers

Balance Transfer:
Transfer Fee (%):
Minimum Fee:

Cash Advances

APR on Cash Advances (%):
Cash Advance Fee (%):
Minimum Fee:

Other Fees

Additional Fees
Foreign Currency Conversion: 2.5%
Supplementary Card Fee: $15
Dishonored Payment Fee: $48

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Review by

If you've spent any time exploring the many credit card offers available to Canadian consumers, you know just the overwhelming number of offers can be overwhelming. Imagine finding everything you're looking for in one credit card without feeling as though you have to settle for those that fall short of what you really need in a financial product.

The ScotiaBank Visa is the card that meets those needs, including powerful security technology built into every credit card. You can even transfer balances from your other credit cards to save even more on interest rates. Purchase security and extended warranty protection, enjoy the best customer service in the industry and take advantage of the many more perks and benefits.

You'll enjoy a low introductory interest rate, up to 2 percent cash back on all of your eligible gas, drug store purchases, groceries and recurring payments and a full 1 percent cash back on other eligible purchases. Details can be found on the Momentum website and you can quickly apply for your own ScotiaBank Visa. Prefer to speak with a customer service rep? No problem - you'll find a staff of knowledgeable and friendly folks who strive every day to deliver exceptional customer service. Come and see for yourself just how convenient and affordable the ScotiaBank Momentum truly is.


Most attractive:
- Long term intro rates
- Rewards program
Least attractive:
- Annual fee
- No bonus points

Rewards & Benefits

Reward Types:
CashBack Rewards
Gas Rewards
Universal Rewards
Reward Unit:
- 2% on eligible gas station, grocery store and drug store purchases and recurring bills
- 1% cash back on all other eligible purchases
Yearly Limit:
Other Benefits:
- Visa payWave
- My Mobile Wallet
- Special Discounts on AVIS Car Rentals
- Scotia Credit Card Protection (optional)
*See terms and conditions of the card for other benefits
Online Access:
Credit Reporting:

*The information provided for Scotia Momentum® Visa® Card is believed to be accurate at the time of evaluation (Dec 30, 2022). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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