Scotia Momentum VISA Infinite Card

Scotia Momentum® VISA Infinite* Card

Card Features

  • SPECIAL OFFER: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards. Offer ends April 30,2023
  • Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
  • Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
  • Earn 1% cash back on all other purchases with no cash back limit.

Interest Rates

Purchase APR: 20.99%

Balance Transfer APR: 22.99%

Cash Advance APR: 22.99%

Annual Fee

First year free, then $120

Additional Cardholders: $50/year (First-year annual fee waived)

Pros

  • 4% cash back on recurring bill payments and grocery store purchases
  • 2% on eligible gas station and daily transit purchases
  • Visa Infinite benefits

Cons

  • Excellent credit required to be approved
  • High income requirements

Bonus Offer

SPECIAL OFFER: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards. Offer ends April 30,2023

Introductory Rates

Reward Earnings Rate

Up to 4% cash back on select purchases

Additional Details

Fees

Balance Transfer Fee: $5

Cash Advance Fee: $5

Foreign Transaction Fee: 2.5%