Illustration, not the actual card design.
Scotiabank · Cash back
Scotia Momentum Visa Infinite +
Annual fee
$120 · waived year one
Welcome offer
Bonus cash back
Market
Canada · CAD
Biggest part of the offer: Get 15% back on all purchases in your first 3 months, on up to $2,000 (includes your regular cash back).
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$280
+$280 welcome bonus
+$0 yearly credits
−$0 fee (waived)
Year 2
−$120
Costs $120 a year until your spending covers it.
Every year after
−$120
Costs $120 a year until your spending covers it.
Plus 15 benefits with no fixed dollar value, like Avis and Budget rental discount, GigSky International Data eSIM and Visa Infinite Concierge. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Sep 28, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Ends Nov 1, 2026. Not available if you have, or in the past 2 years had, any Scotiabank personal credit card as primary or additional cardholder, including if you switch from one. Scotiabank employees are not eligible.
- 1Get 15% back on all purchases in your first 3 months, on up to $2,000 (includes your regular cash back)$280 backYear 1
- First-year annual fee waived$120savedYear 1
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Cash back, straight onto your statement.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| SubscriptionsUp to $25,000/yr of spend | 4% back | 4¢ |
| Recurring BillsUp to $25,000/yr of spend | 4% back | 4¢ |
| GroceriesUp to $25,000/yr of spend | 4% back | 4¢ |
| Gas & FuelUp to $25,000/yr of spend | 2% back | 2¢ |
| TransitUp to $25,000/yr of spend | 2% back | 2¢ |
| Everything else | 1% back | 1¢ |
What else you get
Perks · 5
- Avis and Budget rental discount
Up to 25% off base rates at participating Avis and Budget locations in Canada and the U.S.
- GigSky International Data eSIM
10GB of GigSky global data for 15 days every year, plus a 1GB 15-day plan and unlimited Travel Essentials apps; 20% off more GigSky plans
Enroll first - Visa Infinite Concierge
24/7 concierge for travel, dining and events
- Visa Infinite Dining Series
Access to Visa Infinite Dining and Wine Country events
Show all 5Show fewer
- Visa Infinite Hotel Collection
Best available rate, room upgrade when available and free Wi-Fi at participating hotels
Insurance · 10
- Emergency Medical Insurance
Out-of-province emergency medical, up to $1,000,000, first 15 days of a trip, under 65 only
- Trip Cancellation Insurance
Up to $1,500 per person and $10,000 per trip if you cancel before departure
- Trip Interruption Insurance
Up to $2,000 per person and $10,000 per trip if a trip is cut short
- Flight Delay Insurance
Meals and hotel when a flight is delayed 4+ hours, up to $500 per person
Show all 10Show fewer
- Delayed and Lost Baggage Insurance
Delayed, lost or stolen checked bags, up to $500
- Rental Car Collision Damage Insurance
Damage or theft of a rental car, rentals up to 48 days, vehicles up to $65,000
- Travel Accident Insurance
Accidental death or dismemberment on a plane, train, bus or ship, up to $500,000 per person
- Mobile Device Insurance
New phone or tablet lost, stolen, broken or damaged, up to $1,000
- Purchase Protection
Most new purchases protected against theft, loss or damage for 90 days
- Extended Warranty
Doubles the manufacturer's warranty, up to 1 extra year
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by Scotiabank. Card and program names belong to their owners.
Details last checked Sep 28, 2026.