Scotia Momentum No-Fee Visa Card

Last updated:

By CardFinder Editorial Team Affiliate Disclosure
Scotiabank visa

No annual fee

cashbackno-feegroceries
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Key Details

Annual Fee

$0

Network

visa

Credit Required

good

Reward Type

cashback

Rewards Earn Rates

1x

Groceries

0.5x

Gas

0.5x

Dining

0.5x

Travel

0.5x

Everything Else

Highlights

  • No annual fee
  • 1% cashback on groceries and recurring bills
  • 0.5% on everything else
  • Good free cashback option

Pros & Cons

Pros

  • + No annual fee
  • + Decent grocery and bills earn rate
  • + Visa acceptance everywhere
  • + No income requirement

Cons

  • – Low base cashback rate (0.5%)
  • – No travel insurance
  • – Better free options exist (Tangerine)

Who Is This Card For?

The Scotia Momentum No-Fee Visa Card is best suited for Canadians who prioritize cashback, no-fee, groceries spending. With no annual fee, it's an excellent choice for anyone who wants rewards without ongoing costs.

Benefits Breakdown

Purchase Protection

90 days

Is this card worth it for you?

Use our rewards estimator to see how much you'd earn based on your spending.

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Frequently Asked Questions

Ready to Apply?

Visit the issuer's website to confirm current terms and apply.

Apply for Scotia Momentum No-Fee Visa Card

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Sources

Last verified: 2026-03-01. Offers and terms can change. Always confirm details on the issuer's website before applying.