Card Details

Bank Name: Scotiabank
Network Type: VISA
Card Type: Personal
MRC Rating My Rate Compass's ratings are determined by our editorial team. Our editors rate credit cards objectively based on the benefits and features the credit card offers, interest rates, the fees, and how a credit card compares with other cards in its category.: (4.3)


Annual Fee: $120
Additional Card Fee: $30
Purchases Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%


Personal Income Required: $60000
Household Income Required: $100000
  • You're a Canadian resident
  • You've reached the age of majority in your province or territory

Recommended Credit Score

Average to Excellent (670-900)

Scotia Momentum® Visa Infinite* Card Review

Welcome Bonus: Earn 10% cash back on all purchases for the first 3 months
Apply Now On Scotiabank's Secure Website
Scotia Momentum® Visa Infinite* Card snapshot

Great reasons to get this card for your everyday purchases

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350*.

• 4% on eligible recurring bill payments and grocery store purchases

• 2% on eligible gas station and daily transit purchases

• 1% cash back on all other eligible everyday purchases

• Complimentary Concierge Services 24/7
• Visa Infinite Dining Series
• Visa Infinite Music Series
• Wine Country Wonders
• Luxury Hotel Privileges
• Comprehensive Travel Insurance & New Mobile Device Insurance coverage

Scotia Momentum® Visa Infinite* Card Rewards
Scotia Momentum® Visa Infinite* Card Features
Priority airport services
Airport lounge access
Concierge service
Balance protection(Optional)
Purchase Security & Extended Protection Insurance
Flight delay insurance,Baggage Insurance
Vehicule rental insurance
Travel accident insurance
Travel medical insurance
Scotia Momentum® Visa Infinite* Card User Reviews
Total Reviews: 0

Rating: 1 2 3 4 5 ( 4 )

Application Experience: 1 2 3 4 5

Rewards/Features: 1 2 3 4 5

Customer Service: 1 2 3 4 5

Convenience: 1 2 3 4 5

Likelihood to recommend: 1 2 3 4 5


Other Recommended Credit Cards


Visa Infinite Dining Series

Dine with some of the biggest names in the food and wine industry in a private, sophisticated setting. Savour a delicious, multi-course meal and expertly paired wines.

Visa Infinite Music Series

Get true VIP access to premier events with some of the world?s top musicians. You can attend intimate concerts, meet your favourite artists and relax in VIP lounges.

Wine Country Wonders

Show your card at over 60 wineries in British Columbia and Ontario and you can enjoy complimentary tastings, private vineyard tours and discounts on wine purchases.

Complimentary Concierge Services

Whether you need help planning your trip, restaurant reservations, or tickets to a show, our concierge is happy to assist, 24/7.

Luxury Hotel Privileges

Save with the best available rates ? guaranteed. Plus when you check in, you'll get an automatic room upgrade when it?s available and free Wi-Fi in your room.


Editor`s Review:

Excellent credit card with outstanding benefits and full insurance coverage.

The Scotia Momentum Visa Infinite card was the winner of the MoneySense best cashback card with a fee in 2019 - and for good reasons! Card holders earn cash back on all purchases at varying rates. There are also other perks of card ownership including access to exclusive Scotiabank events and offers, plus ample insurance coverage.

  • Special Welcome Offer. During the first three months of card ownership, earn a whopping 10% cash back on all purchases. This rate is only applicable for the first $2,000 of purchases.
  • Tiered Cash Back Rates. Earn 4% cash back for every dollar spent on groceries and recurring bill payments. Earn 2% cash back for every dollar spent on gas and daily transit. Finally, earn 1% cash back for every dollar spent elsewhere.
  • Additional Perks. Obtain exclusive offers from Scotiabank including concierge service, competitive hotel rates and upgrades, and access to dining and wine country programs.
  • Insurance Coverage. Ample coverage comes with this credit card, such as new mobile device, trip cancellation, trip interruption, purchase protection insurance and much more.
  • Annual Fee. Gain access to all of the above perks at the cost of $120 per year.
Apply Now On Scotiabank's Secure Website

Already have this credit card? Tell us what you think

Click on the user reviews tab above to leave a review


Author Bio

Mohamed Konate

Mohamed Konate is a personal finance expert, blogger, and marketing consultant based out of Toronto. He is a former financial services professional who worked for many years at major Canadian financial institutions where he managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor in Business Administration from the University of Quebec (Montreal) and a Master in International Business from the University of Sherbrooke (Quebec).He is also the author of the Canadian Credit Card Guidebook.