Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.

Scotia Momentum® Visa Infinite Card review

Compare Compare  
Advertiser Disclosure

Interest Rate: Purchases
Balance Transfer
1 - 4% cashback
Signup Bonus

Informr score
The Scotia Momentum® Visa Infinite Card currently has an Informr score of 9.3 out of 10. This score is based on our evaluation of 13 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Scotia Momentum® Visa Infinite Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). 19 in all other provinces.
Yes Be a permanent or temporary resident of Canada
Yes Have a minimum personal income of $60000.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

If you want to earn rewards for your spending then Scotia Momentum® VISA Infinite Credit Card is the best card for you. Since you have to spend money on grocery, gas and recurring bills, you can switch to this card and save money right from the start. When you add the 4% cash back from gas and groce...

Young and Thrifty

The Scotia Momentum® Visa Infinite* card is hands-down one of the best credit cards to add to your wallet. When it comes to earning cash back on daily spending, this card just can’t be beat. Plus, as a welcome bonus, new cardholders earn 10% cash back on all purchases for the first 3 months (up to $...

- Sandra MacGregor, Young and Thrifty

I like to eat – and have a lot of bills to pay. And for those two reasons alone the Scotia Momentum Visa Infinite Card card is the best card out there for those of us whose goal is to maximize the cash return from a credit card.

- Steve Vesely, creditcardGenius

This card clearly has a lot of value for the average Canadian family. With high earnings on typical spending items like gas, groceries and bill payments, you’ll be able to rack up the cash back in no time. Pair it with a card like the Tangerine Money-Back Mastercard, and you’ll realize even greater...

- Stephen Weyman,

A credit card chock-full of features that can help you save money and make your life easier in a number of ways. While it may not earn any actual travel rewards, it offers the opportunity for a lot of cash back if used to its full potential – cash back that you can use towards whatever you so please...

- Ratesdotca


Interest Rates
Regular APR Interest Rate 20.99%
Balance Transfer Interest Rate 22.99%
Cash Advance Interest Rate 22.99%
Rates & Fees
Annual Fee $120.00

Waived on the first year

Balance Transfer Fee $5.00
Cash Advance Fee $5.00
  • For transactions processed by Scotiabank, any financial institution in Canada, Scotiabank ABM, any non-Scotiabank ABM displaying Interac+ symbol
  • $7.50 for transactions obtained at any ABM or processed by any financial institution outside of Canada
Foreign Transaction Fee 2.5%

Transactions made in a foreign currency will be converted and posted to your account in Canadian currency.

Over Limit Fee $29.00
Late Payment Fee $0.00
Sign up bonus No
All Purchases 1% cash back
Restaurants No
Gas 2% cash back
Groceries 4% cash back

Includes grocery stores and supermarkets.

Hotels No
Travel No
Pharmacy No
Bills 4% cash back

On recurring bill payments

Additional Details
  • 2% cash back on daily transit purchases
  • 4% cash back on recurring subscription purchases
Features & Benefits
Additional Card Holders
  • $50 per year for each card
  • Waived on the first year
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount Yes
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Paywave, Apple Pay
Virtual Cards No
Additional Benefits
  • Luxury Hotel Privileges
  • Visa Infinite Dining and Wine Country program
  • Visa Infinite Music Series
  • Save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S.
  • Mobile Device Insurance
  • Trip Cancellation / Trip Interruption Insurance
  • Flight Delay Insurance
  • Delayed and Lost Baggage Insurance
Minimum Security Deposit $0
Minimum Age

18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces.

Minimum Personal Income $60,000 per year

Temporary Residents No
Additional comments

Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with Scotia Momentum® Visa Infinite Card

Rate It: