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

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

Informr score
The Scotia Momentum® Visa Infinite Card currently has an Informr score of 8.7 out of 10. This score is based on our evaluation of 22 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...

Frugal Flyer
Frugal Flyer

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.

- Josh Bandura, Frugal Flyer

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...

- Jordan Lavin, Aaron Broverman, Forbes

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...

- Simon Ikuseru, WalletBliss

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 se...

Wealth Rocket
Wealth Rocket

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 yo...

- Rachel Cribby, Wealth Rocket


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

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases)

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: