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Mr. Loonie
Scotia Momentum® Visa Infinite+ Card

Scotia Momentum® Visa Infinite+ Card

8.5
Excellent
Expert Score · 22 reviews How we score

Best for: Big grocery and bill spenders who want high cash back and travel insurance

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$878
Every year after
$758

Ranked #38 of 176 for year one. See the list

See how we worked it out
Balance transfers
0% for 12 months
2% fee, then 22.99%
Annual fee
$0 first year
Then $120 a year
Apply now on Scotiabank’s site (opens in a new tab)
Needs $60,000 personal or $100,000 household income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from Scotiabank’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $250 or more a month on groceries and recurring bills?

Is your personal income $60,000 or more, or your household’s $100,000 or more?

Do you pay your card off in full most months?

Answer the 3 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 4% back on groceries and recurring bills
  • Good: 0% on moved balances for 12 months A 2% fee to move them.
  • Good: No fee in the first year Then $120 a year.

Watch for

  • Watch for: $120 a year from year two You need about $250 a month on groceries and recurring bills to earn it back.
  • Watch for: 22.99% after the 12 months Whatever you haven’t paid off by then is charged the regular rate.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

  • Groceries $384
    4% back $800 a month · $384 a year
  • Restaurants $30
    1% back $250 a month · $30 a year
  • Gas $60
    2% back $250 a month · $60 a year
  • Recurring bills $120
    4% back $250 a month · $120 a year
  • Travel $18
    1% back $150 a month · $18 a year
  • Everything else $78
    1% back $650 a month · $78 a year
  • Foreign currency $18
    1% back $150 a month · $18 a year
For you Year one Later years
Cash back you earn $708 $708
Annual fee $0 −$120
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Travel medical insurance1 trip at $50 $50 $50
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Phone insurance$60 a year $60 $60
Total $878 $758

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Groceries
4% back Up to $25,000 in spending per year (shared with other categories).
Recurring bills
4% back Up to $25,000 in spending per year (shared with other categories). Including subscriptions
Gas
2% back Up to $25,000 in spending per year (shared with other categories). Including EV charging
Transit
2% back Up to $25,000 in spending per year (shared with other categories).
Food delivery
2% back Up to $25,000 in spending per year (shared with other categories).
Everything else (base rate)
1% back

2% cash back on daily transit, taxis, rideshares, and food delivery

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $60,000 or more Issuer says
  • Household income $100,000 or more Issuer says
  • Newcomer program Scotiabank StartRight For permanent residents in Canada 5 years or less, international students and foreign workers. No Canadian credit history needed, with a limit up to $15,000. Foreign workers need a letter from their employer confirming income.
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

8.5
Excellent
Expert Score How we score
  • Frugal Flyer (opens in a new tab) May 2026

    “The Scotiabank Momentum Visa Infinite+ card is one of a few good options for Canadians who are interested in adding a cash back earning credit card to their wallet.”

  • NerdWallet (opens in a new tab) Feb 2026
    10

    “You can earn a lot of cash back with this card if you max out the spending categories — for example, get up to $1,000 back each year when you spend $25,000 on groceries and recurring payments. The catch: Cash back is only deposited into your account once a year, in November, and the $120 annual fee is higher-than-average for a cash-back card. Best for: Big spenders on groceries and gas who don’t mind reaping their rewards annually.”

  • Forbes (opens in a new tab) Jan 2024
    7

    “If you spend a lot of money at grocery stores that accept Visa cards and like to put your bills with automatic payments, the Scotia Momentum Visa Infinite card will be a particularly rewarding cash back credit card for you. This card may also be right for you if you like to travel but prefer a cash back card to a (sometimes confusing) travel rewards program credit card. With some of the best travel insurance coverage among cash back credit cards in Canada, the Scotia Momentum Visa Infinite card is a great choice for booking your next vacation.”

  • WalletBliss (opens in a new tab) Jan 2024

    “The Scotia Momentum Visa Infinite Card has positioned itself as one of the best credit cards in Canada with competitive cashback, comprehensive insurance, and exclusive benefits. If these are some of the features you need in a credit card, then you can’t make the wrong choice with this card. But if you’re still unsure whether the Scotia Momentum Visa Infinite Card is perfect for you, let me know in the comment section or consider any of the above alternatives.”

  • Money.ca (opens in a new tab) Aug 2023
    10

    “The Scotia Momentum® Visa Infinite* Card offers an impressive 4% cash back rate on groceries, recurring bills, and subscription purchases. While there are a number of lucrative Canadian credit cards for groceries, the high rate for recurring payments is unique, and a major boon for anyone who can set pricey insurance premiums or utilities as pre-authorized payments to their card.”

  • Wealth Rocket (opens in a new tab) Jan 2023
    9.4

    “It’s clear as day why the Scotia Momentum Visa Infinite card is highly regarded as one of the best credit cards in Canada. With high cashback potential and a healthy offering of customer perks, this card is hard to beat. This fact is especially true if you or your household spends the majority of your money on essentials like groceries, bills, and transportation costs.”

What cardholders say

Ratings from people with this card

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Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Mobile device $1,000 per device
  • Trip cancellation Included
  • Trip interruption Included
  • Travel medical $1,000,000 per person
  • Flight delay Included
  • Baggage delay Included
  • Lost baggage Included
  • Mobile device insurance
  • Explore Visa Infinite Hotel Collection
  • Visa Infinite Dining and Wine Country program
  • Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the US
  • Buy now and pay over time with Scotia SelectPay™
  • Trip Cancellation and Trip Interruption Insurance
  • Travel Emergency Medical Insurance
  • Flight Delay Insurance
  • Delayed and Lost Baggage Insurance
  • Mobile wallets Apple Pay, Google Pay, Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read Scotiabank’s insurance certificate before you count on any coverage.

Fees and interest

What it costs

Annual fee
$0 first year Then $120 a year
Purchase interest
20.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$50
Fee waivers
First year: $120 off (Waived on the first year)
Cash advance fee
1%, Minimum of $5
Balance transfer fee
1%, Minimum of $5
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Intro rate: balance transfers
0% for 12 months, fee 2%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $878 year one, $758 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the Scotia Momentum® Visa Infinite+ Card?

$0 the first year, then $120 a year. Each extra card costs $50.

What income do I need?

Scotiabank asks for $60,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

20.99% on purchases. Cash advances are 22.99%.

Does it have a balance transfer offer?

Yes, 0% for 12 months. The transfer fee is 2%. After that, the rate is 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection, mobile device insurance and trip cancellation and trip interruption insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$878
year one for you
Apply now on Scotiabank’s site (opens in a new tab)
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