Scotiabank
Scotiabank Momentum Visa Infinite
Earn 4% cash back on groceries and recurring bills, and 2% on gas and transit, with the first year's annual fee waived. Premium Visa Infinite travel insurance and concierge included.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$120
Purchase rate
20.99% (purchases)
FX fee
2.50%
Grace period
21 days
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
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Rewards in full
- 4% cash back on groceries and recurring bill payments (up to $25,000 annual spend)
- 2% on gas, EV charging, transit and food delivery (up to $25,000)
- 1% on all other eligible purchases
Rates & fees
| Annual fee | $120 |
|---|---|
| Supplementary card fee | $50 per supplementary card (waived first year with current offer) |
| Purchase APR | 20.99% (purchases) |
| Balance transfer intro | No intro offer |
| Balance transfer rate | 22.99% |
| Balance transfer fee | Greater of $5.00 or 1% of the amount transferred |
| Cash advance | Greater of $5.00 or 1% in Canada ($7.50 outside Canada); cash advance APR 22.99% |
| Foreign exchange fee | 2.50% |
| Grace period | 21 days |
| Network | Visa Infinite |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.