Scotia Momentum® Visa Infinite + Card
Scotiabank · VISA
The Scotia Momentum® Visa Infinite + Card is a credit card from Scotiabank on the VISA network. It has an annual fee of C$120. It earns 4% on groceries. The welcome offer is Earn 15% Cash Back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on balance transfers for the first 12 months (2% fee per cash advance, 22.99% after that). And, no annual fee in the first year, including on additional cards.
Key facts
- Annual fee
- C$120
- Purchase APR
- 20.99%
- Network
- VISA
- Welcome offer
- Earn 15% Cash Back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on balance transfers for the first 12 months (2% fee per cash advance, 22.99% after that). And, no annual fee in the first year, including on additional cards.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Groceries | 4% | 4% on grocery and recurring payments |
Benefits and perks
- Get up to 7¢/L in value on fuel purchases at Shell stations
- Earn 4% Cash Back on grocery and recurring payments
- Enjoy peace of mind with travel insurance
Rates and fees
Annual membership fee: C$120. 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® Visa Infinite + Card
What is the annual fee on the Scotia Momentum® Visa Infinite + Card?
The Scotia Momentum® Visa Infinite + Card has an annual fee of C$120.
What rewards does the Scotia Momentum® Visa Infinite + Card earn?
The Scotia Momentum® Visa Infinite + Card earns 4% on groceries.
Is the Scotia Momentum® Visa Infinite + Card worth it?
The Scotia Momentum® Visa Infinite + 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.
Community
Approval and real earn reports from cardholders are coming to this page soon.
More from Scotiabank
Not sure this is the right card for you?
Upload a credit card statement and Woodo works out what you actually spend by category, then ranks every card in the catalog against your own numbers. No bank login needed.
Upload a statement