Scotia Momentum Visa Infinite
Category cardWhat the roles mean
- Groceries and recurring bills: 4% cash back, up to $25,000 a year combined
Welcome offer now
Earn 15% cash back on the first $2,000 in eligible purchases in the first 3 months (≈$300 max bonus) + first-year annual fee waived.
Ends November 1, 2026.
Checked on Scotiabank's own page November 2, 2026. See Scotiabank's page
What it earns in a year
$618 back a year
After the $120 annual fee.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Groceries (First $25,000 a year, shared with bills): 4% back.
- Bills & subscriptions (First $25,000 a year, shared with groceries): 4% back.
- Rent and tax (Was 4% back until October 21, 2026): 1% back.
- Gas / EV (First $25,000 a year, shared with transit): 2% back.
- Transit (Incl. rideshare and food delivery. First $25,000 a year, shared with gas): 2% back.
- Everything else: 1% back.
Highlighted = use this card here.
How to apply for the Scotia Momentum Visa Infinite
Check first
- Bonus not for recent Scotia cardholders: you can't get it if you held any Scotiabank personal credit card in the past 2 years
- Assets instead of income: Scotia also accepts $250,000–$300,000 or more in assets under management
- Minimum credit limit $5,000
- Check you qualify Income: $60,000 personal or $100,000 household. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on Scotiabank's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on Scotiabank's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Groceries: every grocery run
- Bills: anything a merchant charges you automatically: phone, internet, insurance, streaming, gym
- Gas, transit, rideshare, food delivery: fine here at 2%
- Everything else: use another card. This one pays only 1%
- Rent and tax: 1% since October 22, 2026 (was 4%). Pay them with another card
- Example: $800/month groceries + $300/month bills = $528 a year back
Posts about this card
Key facts
- Annual fee
- $120
- Purchase interest
- 20.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $60,000
- Min. household income
- $100,000
- Rewards
- Cash back
Annual fee waiver
- Ultimate Package: $120 fee rebated every year
- The catch: the package costs $30.95/month unless you keep $6,000 in it every day (or $100,000 across Scotiabank)
- Worth it if you already keep $6,000 in chequing
- Preferred Package: $40 back, only after $15,000 of card spending a year
From scotiabank.com product page, checked October 17, 2026. Not an affiliate link.
More Scotiabank cards
Best paired with
Rogers Red World Elite
- This card: groceries, gas / ev, bills & subscriptions, transit
- Rogers Red World Elite: dining & restaurants, travel, drugstore / pharmacy, entertainment, everything else
- Together: $744 a year after both fees, vs $618 with this card alone
- With this card's $120 fee rebated (see Fee waiver): $864 a year
- Rogers pays 2% with an active Rogers, Fido or Shaw service, 1.5% without
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $876 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- 4% on groceries and bills, up to $25,000 a year (5% cards stop at $500–$1,000 of groceries a month)
- 2% on gas, EV charging, transit, rideshare, food delivery
- Cash back, redeem any time from $25, never expires while the account is open
- Year one: 15% back on the first $2,000, no annual fee
- $1,000 phone insurance and travel medical included
Cons
- 1% on everything else
- $120 a year from year two (see fee waiver)
- Caps: 4% stops after $25,000 of groceries + bills; 2% after $25,000 of gas + transit
- Rent and tax earn only 1% since October 22, 2026 (was 4%)
- Not accepted at Costco (Mastercard only)
- 2.5% on foreign-currency purchases
- No welcome offer if you held a Scotiabank personal card in the past 2 years
Insurance included
- Travel medical: $1 million, under 65, first 15 days
- Trip cancellation: $1,500 per person
- Trip interruption: $2,000 per person ($10,000 per trip)
- Flight delay: $500 per person, after 4 hours
- Delayed or lost bags: $500 per trip
- Travel accident: $500,000 per person
- Rental car damage: up to 48 days, cars up to $65,000
- Phone: $1,000 for loss, theft or damage
- Purchases: 90 days of theft/damage cover, +1 year warranty
Maximums as Scotiabank lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Shell: up to 7¢/litre (link Scene+ and Shell Go+)
- GigSky: free 10 GB of data abroad each year
- Avis and Budget: up to 25% off
- Visa Infinite: concierge, hotel perks, dining events
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| Scotia Momentum Visa Infinite | 4% back | $384 | $120 | November 2, 2026 |
Other cards for bills & subscriptions
Back a year on $3,600 of bills & subscriptions, caps included. Points at best-case value. Before annual fees.
| Card | Earns on bills & subscriptions | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Scotia Momentum Visa Infinite | 4% back | $144 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 4% back | $144 | $149 | October 21, 2026 |
| Rogers Red World Elite | 2% back≈ 3.0% in value | $108 | $0 | October 21, 2026 |
| TD Cash Back Visa Infinite | 3% back | $108 | $139 | October 21, 2026 |
| Rogers Red World Legend | 2% back≈ 3.0% in value | $108 | $495 | October 23, 2026 |
| Marriott Bonvoy American Express | 2× points≈ 2.8% in value | $101 | $120 | October 21, 2026 |
How the offer has changed
One row per check of Scotiabank's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| November 2, 2026 | Unchanged: 15% on first $2,000 / 3 months, open the account July 2, 2026 → November 1, 2026, plus 0% balance-transfer intro for 12 months (2% fee)Offer window ended November 1, 2026, but on November 2, 2026 the bank's page still advertises this same offer with the same dates; no replacement or extension published. The first-year fee waiver is part of the same expired offer. Page text identical to October 21, 2026 | $120, waived yr 1 (incl. additional cards) | November 1, 2026 |
| October 23, 2026 | Unchanged (terms page re-checked for the October 22, 2026 rent and tax change)Terms re-checked: since October 22, 2026, rent and tax payments are excluded from Recurring Bill Payments in the terms body (banner gone); they now earn 1%. Offer not re-captured (last confirmed October 21, 2026) | $120, waived yr 1 (incl. additional cards) | November 1, 2026 |
| October 21, 2026 | Unchanged: 15% on first $2,000 / 3 months, open the account July 2, 2026 → November 1, 2026, plus 0% balance-transfer intro for 12 months (2% fee)Unchanged. Terms page banner still reads: effective October 22, 2026, rent and tax payments no longer count as Recurring Bill Payments (4% tier) | $120, waived yr 1 (incl. additional cards) | November 1, 2026 |
| October 17, 2026 | Unchanged: 15% on first $2,000 / 3 months, open the account July 2, 2026 → November 1, 2026, plus 0% balance-transfer intro for 12 months (2% fee)Terms page still announces rent and tax leaving the 4% tier on October 22, 2026. Income now shown as ranges | $120, waived yr 1 (incl. additional cards) | November 1, 2026 |
| September 7, 2026 | Unchanged: 15% on first $2,000 / 3 months, window July 2, 2026 → November 1, 2026, plus 0% balance-transfer intro for 12 months (2% fee)Not eligible if a Scotiabank personal cardholder in the past 2 years | $120, waived yr 1 (incl. additional cards) | November 1, 2026 |
| July 31, 2026 | Same offer; window now July 2, 2026 → November 1, 2026 | $120, waived yr 1 | November 1, 2026 |
| June 14, 2026 | 15% cash back on first $2,000 / 3 months (≈ $300). Window May 1, 2026 → November 1, 2026. | $120, waived yr 1 (+ $50 additional cards) | November 1, 2026 |
General information, not financial advice. Offers change; confirm on Scotiabank's page before you apply.