Scotia Momentum® No-Fee Visa Card
Scotiabank · VISA
The Scotia Momentum® No-Fee Visa Card is a credit card from Scotiabank on the VISA network. It has an annual fee of C$0. The welcome offer is Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0.99% introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance, 22.99% after that; annual fee $0).
Key facts
- Annual fee
- C$0
- Purchase APR
- 20.99%
- Network
- VISA
- Welcome offer
- Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0.99% introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance, 22.99% after that; annual fee $0).
Benefits and perks
- Get up to 6¢/L in value on fuel purchases at Shell stations
- Earn up to 1% cash back on select purchases
- Enjoy no annual fee
Rates and fees
Annual membership fee: C$0. Purchase APR: 20.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 22.99%.
Rates and fees as published by the issuer and recorded on 9 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Scotia Momentum® No-Fee Visa Card
What is the annual fee on the Scotia Momentum® No-Fee Visa Card?
The Scotia Momentum® No-Fee Visa Card has an annual fee of C$0.
Is the Scotia Momentum® No-Fee Visa Card worth it?
The Scotia Momentum® No-Fee Visa Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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