Scotia Momentum Visa Infinite Card
Last updated:
$120/year
Earn 10% cashback for 3 months
10% cashback on all purchases for the first 3 months, up to $2,000 in spend.
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Key Details
Annual Fee
$120
Network
visa
Credit Required
good, excellent
Reward Type
cashback
Rewards Earn Rates
4x
Groceries
2x
Gas
1x
Dining
1x
Travel
1x
Everything Else
Highlights
- $120 annual fee
- 4% cashback on groceries and recurring bills
- 2% on gas and transit
- 1% on everything else
Pros & Cons
Pros
- + Excellent 4% grocery cashback rate
- + Good coverage across categories
- + Visa Infinite benefits and insurance
- + Accepted everywhere Visa is taken
Cons
- – $120 annual fee
- – Need to spend enough on groceries to offset fee
- – $60,000 minimum income requirement
- – Foreign transaction fees
Who Is This Card For?
The Scotia Momentum Visa Infinite Card is best suited for Canadians who prioritize cashback, groceries, gas spending. At $120/year, it's worth it for those who spend enough in bonus categories to offset the fee.
Benefits Breakdown
Extended Warranty
Purchase Protection
90 days
Rental Car Insurance
Insurance Coverage Details
Ways to Reduce the Annual Fee
- Call retention after year 1 to request fee waiver or discount
- Product-switch from Scotia Value Visa to avoid hard inquiry
- Often matched with first-year fee rebate offers
Multi-Card Strategy
Best everyday cashback card for families. Pair with a no-FX-fee card for travel and a Costco Mastercard for warehouse shopping.
See full multi-card strategies →Is this card worth it for you?
Use our rewards estimator to see how much you'd earn based on your spending.
Frequently Asked Questions
Ready to Apply?
Visit the issuer's website to confirm current terms and apply.
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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.