The cash back card with the most awards in 2023.◊
Plus, comprehensive Travel Insurance and New Mobile Device Insurance.7
Apply now
Special Offer Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1No annual fee in the first year, including on additional cards.1
Apply now
Apply now
Is this Credit Card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases
- Interested in building your credit history by making at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee
- Meet a minimum annual income of $60,000 or a minimum household income of $100,000 or minimum assets under management of $250,000
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Prefer not to pay an annual fee
Fees, rates & other information
| Annual fee6 | $120/year(Special offer: First-year annual fee waived1) |
|---|---|
| Interest rates6 | 20.99% on purchases 22.99% on cash advances |
| Minimum credit limit6 | $5,000 |
| Each supplementary Card6 | $50/year(Special offer: First-year annual fee waived1) |
Your award-winning card for cash back
Winner of the 2023 MoneySense Best Cash Back Card
Winner of the 2022 MoneySense Best Cash Back Card
Winner of the 2021 MoneySense Best Cash Back Card (groceries and bills)
Winner of the 2021 creditcardGenius Best Cash Back Credit Card±
What's included with your Card
- Cash Back
- Benefits
- Insurance coverage
4%
groceries and recurring payments2
Earn4%for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
4% groceries and recurring payments2
Grocery store purchases
Earn 4% for every $1 you spend on grocery store purchases.
Includes: grocery stores and supermarkets.
Bill payments
Earn4%for every $1 you spend on recurring bill payments.
Includes: pre-authorized payments setup to occur on a regular schedule (daily, monthly or annually).
Examples: insurance premiums, utilities, gym memberships and more.
Subscription payments
Earn4%for every $1 you spend on recurring subscription purchases.
Includes: pre-authorized payments setup to occur on a regular schedule (daily, monthly or annually).
Examples: popular video or music streaming, lifestyle boxes and more.
With these merchants and more.2
2%
gas and daily transit4
Earn2%for every $1 you spend on gas purchases and daily transit purchases.
2% gas and daily transit4
Includes: gas stations, paying at the pump, buses, taxis, trains, rideshare, and more.
With this merchantand more.2
1%
everything else5
Earn1%cash back on all other purchases with no cash back limit.
Cash back calculator
Scotia Momentum® Visa Infinite* Cash Back ProgramTerms and conditions
Visa Infinite* Concierge Service
Whether you need help planning your trip, booking restaurant reservations, or scoring tickets to a show, our concierge is happy to assist you 24/7.3
Visa Infinite* Hotel Collection
Save with the best available rates – guaranteed. Receive an automatic room upgrade when it’s available and free Wi-Fi in your room when you check in.
Visa Infinite* Dining and Wine Country program
Dine with some of the biggest names in the food and wine industry in a private, sophisticated setting. Savour a delicious, multi-course meal and expertly paired wines.
For details, and to check out the current exclusive Card holder offers, visit Visainfinite.ca.
Save on car rentals††
Save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S. when you pay with your Scotia Momentum® Visa Infinite* Card.
Save on car rentals††
AVIS reservations may be made online at avis.com/scotiabankmomentuminfinite or by calling 1-800-TRY AVIS (879-2847). Please quote AVIS worldwide discount number C030400.
Budget Reservations may be made online at Budget.com/scotiabankmomentuminfinite or by calling 1-800-268-8900. Please quote Budget Corporate Discount number A363302.
Save time at the checkout
Tap your Scotia Momentum®Visa Infinite* Card or your smartphone for quick easy payments.
Save time at the checkout
Visa payWave*- Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!8
My Mobile Walletis now included with the FREE Scotiabank Mobile Banking app and lets you tap your smartphone on the terminal to pay. Just look for theVisa payWavesymbol at the checkout.
Apple Pay- The easy, secure, and private way to pay with your eligible Scotiabank credit cards.9
Click to PayΔ* - Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.
Get an additional Card for a friend or family member by adding them as a supplementary cardholder to yourScotia Momentum® Visa Infinite* Card account.10Get a supplementary Card
Insurance coverages included with your Card
Take advantage of all the ways a Scotia Momentum®Visa Infinite*Card adds to your life.
New Mobile Device Insurance
Protect your new cell phones, smartphones, or tablets purchased using your Card on or after August 1, 2019. This is one of the few Cash Back Visa Infinite* credit cards with this insurance benefit.7
New Mobile Device Insurance
You may have Mobile Device Insurance for new cell phones, smartphones, or tablets purchased on or after August 1, 2019, when you charge the full cost of your new mobile device to your Card, or charge all of your wireless bill payments for such device to your Card when you fund such purchase through a plan.
You may be covered for up to $1,000 in the event your cell phone, smartphone, or tablet is lost, stolen, accidentally damaged, or experiences mechanical failure.
Certificate of Insurance
Trip Cancellation and Trip Interruption Insurance
Charge at least 75% of your trip costs to your Card and get trip cancellation and trip interruption insurance at no extra cost.7
Trip Cancellation and Trip Interruption Insurance
You, your spouse and your dependent children are eligible for up to $1,500 per person for travel expenses (maximum $10,000 per trip), when you charge at least 75% of such trip expenses to your Scotia Momentum Visa Infinite Card and are forced to cancel your trip for medical or non-medical causes. Coverage provides reimbursem*nt of non-refundable eligible trip costs and additional charges for ticketing changes.
You, your spouse and your dependent children are eligible for up to $2,000 per person (maximum $10,000 per trip) when you charge at least 75% of each person’s trip expenses to your Scotia Momentum Visa Infinite Card and are forced to interrupt your trip for medical or non-medical causes. Coverage provides reimbursem*nt of non-refundable eligible trip costs and additional charges for ticketing changes.
Certificate of Insurance
Travel Emergency Medical Insurance
Coverage is provided for eligible persons under age 65 for up to 15 consecutive days.7
Travel Emergency Medical Insurance
As a Scotia Momentum Visa Infinite cardmember (cardmember includes the primary cardmember and any supplemental cardmember), you, your spouse and your dependent children are each eligible for up to $1 million in emergency medical coverage if sudden and unexpected illness or accidental injury should occur while travelling outside your province or territory of residence in Canada.
Coverage includes eligible expenses for hospital care, nursing care, prescription drugs, licensed ambulances and physicians' and surgeons' fees, as well as other eligible medical services and supplies.
The date of departure is counted as the first day.
This benefit is subject to an exclusion for pre-existing medical conditions.
If you are under age 65 and are travelling for more than 15 days, you may choose to purchase additional days from the insurer prior to your departure date by calling 1-877-222-7342. You will receive a separate Certificate of Insurance if you choose to purchase this coverage.
Certificate of Insurance
Flight Delay Insurance
Charge at least 75% of the full ticket cost to your Card and you’ll be eligible for reimbursem*nt of necessary expenses, such as hotel accommodations, meals, and other emergency items.7
Flight Delay Insurance
You may be reimbursed for eligible necessary and reasonable living expenses incurred during the period of a delayed flight or missed connection which lasts four hours or more, to a limit of $500 per Insured Person on the same trip.
Certificate of Insurance
Charge the full cost of your airplane, train, bus, or cruise ship tickets to your Card. If your checked luggage is delayed or lost, you’re covered.7
Delayed and Lost Baggage Insurance
When you purchase common carrier tickets with your Scotia Momentum® Visa Infinite* Card, you are eligible for coverage against the loss or the delay of your checked luggage. The lost luggage benefit is limited to the lesser of the value of the covered luggage or the actual replacement cost of the lost or stolen covered luggage, to a combined maximum of $500 for all insured persons on the same trip.
The delayed luggage benefit is limited to $500 for all insured persons on the same trip for the cost of replacing eligible essential items if your checked luggage is not delivered within four (4) hours from your time of arrival at your final destination.
Certificate of Insurance
Travel Accident Insurance
Charge at least 75% of your ticket cost to your Card and you’re insured against accidental loss of life or dismemberment.7
Travel Accident Insurance
You, your spouse and eligible dependent children will be automatically insured against accidental loss of life, or dismemberment – up to a maximum of $500,000 (to a maximum of $1,000,000 per occurrence). Coverage is in place while occupying a common carrier for which you have charged at least 75% of the ticket cost to your Scotia Momentum® Visa Infinite* Card, and which is licensed to carry passengers such as airplanes, cruise ships, trains or buses.
Certificate of Insurance
Rental Car Collision Loss/Damage Insurance
Charge the full cost of your eligible rental car to your Card and you’re automatically insured if your rental is damaged or stolen.7
Rental Car Collision Loss/Damage Insurance
You are automatically covered by Collision Loss Damage Insurance when you rent a vehicle in your name, decline the agency's collision damage waiver or loss damage waiver (or similar provision) and use your Card to pay for the rental. Note that the rental period cannot exceed 48 consecutive days.
Certificate of Insurance
Purchase Security & Extended Warranty Protection
Most items purchased with your Card are insured against theft, loss, or damage for 90 days from the purchase date. The manufacturer’s warranty is also doubled for up to one year.7
Purchase Security & Extended Warranty Protection
Most items purchased anywhere in the world are automatically insured against theft, loss or damage as long as the full cost of the item is charged to your Scotia Momentum® Visa Infinite* Card.
Coverage extends for the first 90 days from the date of purchase and is limited to the lesser of the repair cost, replacement cost or original purchase price, and is in excess of any other insurance coverage.
When you charge the full cost of most items to your Card, extended warranty coverage doubles the original manufacturer’s warranty for up to one year.
Items covered by a manufacturer’s warranty repair services of five years or more must be registered within the first year of purchase. Coverage is limited to the lesser of the repair cost, replacement cost, or original purchase price.
Certificate of Insurance
For claim forms and answers to Frequently Asked Questions visit ourpartner's site.
Scotia Credit Card Protection (optional)°
This optional insurance coverage can provide you and your family financial protection by paying off your outstanding account balance or helping to cover your monthly credit card payments as a result of certain unexpected life events, such as Death, Critical Illness, Hospitalization, Disability, Job Loss or Strike or Lockout.
There are two different coverage bundles to choose from:
Basic Protection
- Life Benefit
- Critical Illness Benefit
- Hospitalization Benefit
Comprehensive Protection
- Life Benefit
- Critical Illness Benefit
- Hospitalization Benefit
- Disability Benefit
- Job Loss Benefit
- Strike or Lockout Benefit
Learn moreabout Scotia Credit Card Protection
Scotia SelectPayTM
A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.§
Limited Time Offer
Choose from flexible Scotia SelectPayTM*installment plans on eligibleHome Hardware purchases made with yourScotia Momentum®Visa Infinite*credit card, of up to 24 months with no interest and no fees on plans†.
Learn moreabout SelectPay
How to qualify
You must have a minimum annual income of $60,000 or a minimum household income of $100,000 or a minimum assets under management of $250,000.
Get the Scotia Momentum® Visa Infinite* Card
Apply now
A bank account that does more, means you will too.
Receive an annual fee waiver on select credit cards by signing up for a Preferred Package or Ultimate Package.
View Scotia packagesGo to package features page
You might also like
Scotia Momentum® No-Fee Visa*Card
Get up to 1% cash back on eligible purchases.
Annual fee: $0
Interest rates: 19.99% on purchases / 22.99% on cash advances
View card details for the Scotia Momentum No-Fee Visa Card
Discover your credit card rewards
Enter your monthly spend details to compare Scotiabank's credit card benefits and calculate your rewards.
Use the rewards calculator
Choose the right credit option for you
Tell us about your spending and borrowing needs and we'll help you find the credit solution that's right for you.
Help me choose
Browse all credit cards
Manage your card
Activate your card
Apply for a credit limit increase
Add supplementary cards
Report lost or stolen credit cards
Do more with your card
Welcome Kit
Credit card rewards calculator
Add card to mobile wallet
Helpful resources
Credit card fees
Interest rates
Revolving Credit Agreement (Visa/Amex)
1
Offer Description and Conditions:The 10% Cash Back and First Year Annual Fee Waiver (the “Offer”) applies only to new Scotia Momentum Visa Infinite credit card accounts (“Accounts”) that are opened, and any additional Account cards issued, by October 31, 2024 subject to the conditions below. We will waive the annual fee for the primary card and each additional card issued before October 31, 2024 on the Account for the first year only. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.
10% Cash Back Offer Description and Conditions:You will earn 10% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers and cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Cash Back Program Rate”) described in the Scotia Momentum Visa Infinite Cash Back Program Terms and Conditions (the “Program Terms”). The 10% cash back rate for any category is made up of the sum of: (i) the regular Cash Back Program Rate (variable by categories as set out under the Program Terms); and (ii) a “Cash Back Bonus Rate”.
Cash back earned under this Offer will be credited to your Account in 2 instalments so long as your Account is open and in good standing at time of payout of each:
- Bonus Cash Back:The amount earned under the Cash Back Bonus Rate will be credited to your Account within approximately 7 months from the Account open date; and
- Regular Cash Back:The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program Terms.
The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.
EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 4% then the Cash Back Bonus Rate will be 6% for that category so that you will earn a total of 10% on the amount of all eligible everyday purchases in that category during the Promotional Period. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be credited to your Account as follows:
(1) the Cash Back Bonus earnings of $120 (6% x $2,000) (which will not be tracked on your monthly statements), will be credited to your Account within 7 months from the Account open date, and (2) the Regular Cash Back earnings of $80 (4% x $2,000) (which will be tracked on your monthly statements), will be credited to your Account as per the regular cash back payment schedule (i.e., November).
Annual Fee Waiver Offer Description and Conditions:We will waive the annual fee for the primary card and each additional card issued before October 31, 2024 on the Account for the first year only.
Eligibility and Exclusions:Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.
Rates and Fees:The current annual fee is $120 for the primary card and $50 for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on Cash Advances. All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.
2
You will earn 4% Cash Back on the first $25,000 you spend annually on purchases on the Account at merchants classified in the Visa Inc. (Visa) network as Grocery Stores & Supermarkets (Merchant Code 5411) and Recurring Bill Payments. Recurring Bill Payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your Scotia Momentum® Visa Infinite* Card. Not all merchants offer recurring bill payments. (Please check with your merchant to see if they offer recurring bill payments on Visa cards.).
3
Concierge Service provided by a duly licensed third-party premium concierge provider: AXA Assistance USA, Inc.
4
You will earn 2% Cash Back on the first $25,000 you spend annually on purchases made at merchants classified under the Visa network in the categories of Gas (includes Service Stations [with or without Ancillary services], and Automated Fuel Dispensers & Electric Vehicle Charging) (Merchant Codes 5541, 5542, 5552) and Daily Transit (including Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services [Not Elsewhere Classified]). (Merchant Codes 4111, 4112, 4121, 4131, 4789.).
5
You will earn 1% cash back on purchases made after you have reached the 4% and 2% $25,000 annual spend maximum ('overflow') and on all other eligible purchases made with the Card. Purchase returns, payments, cash advances, Scotia® Credit Card Cheques, credit vouchers, card fees, interest charges or service/transaction charges do not qualify for Scotia Momentum® cash back.
6
All Scotiabank retail credit cards, except ScotiaLine Visa card, will have Visa payWave when issued or reissued.
7
Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers.
8
All Scotiabank retail credit cards, except ScotiaLine Visa Card, Scotiabank Value Visa Card, and No-Fee Scotiabank Value Visa Card, will have Visa payWave when issued or reissued. Visa payWave™ is a Trademark of Visa Int./Lic. User.
9
Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, seesupport.apple.com/km207105
10
The Primary Cardholder on the Scotiabank Momentum® Visa Infinite* Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder.
†
Based on a first year annual fee waiver of $120 for the primary card, $50 for one supplementary card, and a potential bonus cash back earning of at least $180 during the Offer period assuming a minimum spend of $2,000 at the lowest possible cash back earn rate under the Program of 1% (i.e., Cash Back Bonus Rate of 9% x $2,000). Actual value will vary based on number of supplementary cards issued for the Account and individual category spend in the first 3 months. See full Offer terms and conditions above.
††
The savings of up to 25% applies to Avis and Budget base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. The Bank of Nova Scotia is not responsible for, and provides no representations, warranties or conditions regarding this offer or any Avis or Budget products or services, includingAvis Preferred Plus membership and services and those obtained under this offer, which are governed solely by Avis’ terms and conditions. Avis Preferred Plus membership and services are provided by Avis.
™
Trademark of The Bank of Nova Scotia.
®
Registered Trademark of The Bank of Nova Scotia
*
Visa Int. / Licensed User
All other trademarks are the property of their registered owners.
Δ*
Click to Pay is an online checkout solution provided by a third party that supports American Express, Mastercard and Visa cards and is based on EMV®SRC Specifications. The Bank of Nova Scotia is not responsible for this service.
§
Scotia SelectPay Conditions apply. Review Terms and Conditionsfor full detailsor visit scotiabank.com/selectpayto learn more.
†
Offer valid until Oct 31, 2024. Scotia SelectPay plans available on eligible Home Hardware purchases made on your eligible Scotiabank credit card of at least $250 in Canadian dollars (including taxes). Applicable on After Purchase only. Other conditions apply.
°
Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to the Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment.
♢
Awarded a total of 9 awards and 24 recognitions for cash back cards in 2023 by major Canadian financial comparison websites and financial blogs. Based on a comparison to other consumer cash back cards offered by Canadian Schedule I Banks as of December 14, 2023.
±
As awarded by creditcardGenius on January 14, 2021.
