The Scotia Momentum Visa Infinite+ Card is a cash back credit card that has an accelerated earning rate on several popular spending categories, up to a fairly high threshold in a cardholder year. Coupled with several powerful insurance coverages and a reasonable annual fee, this is an interesting card to consider if you are looking to simplify your personal finance goals with a rewarding cash back credit card.
Let’s take a look at everything you need to know about the Scotia Momentum Visa Infinite+ card to see if this card is worth adding to your wallet.
Scotia Momentum Visa Infinite+ Card Overview
Welcome Bonus
The Scotia Momentum Visa Infinite+ Card currently has a welcome bonus in which new cardholders can earn up to $300 cash back:
- Earn 15% cash back on purchases for the first 3 months (up to $300 in cash back)
Plus: You can earn an additional $100 FlyerFunds Rebate on the Scotia Momentum Visa Infinite+ Card when you apply through Frugal Flyer Rebates!
The Scotia Momentum Visa Infinite+ Card earns 4% cash back on grocery purchases, eligible recurring bill payments, and subscription purchases.
Earn when you apply through Frugal Flyer.
$300 cash back
$2,000
$400+
$120 (FYF)
Yes
Nov 1, 2026
This offer has an expiry date of Nov 1, 2026.
The Scotia Momentum Visa Infinite+ card has an annual personal income requirement of $60,000 or an annual household income requirement of $100,000.
Earning Rates
The Scotia Momentum Visa Infinite+ card earns cash back for all eligible purchases made on the card at the following rates:
- Earn 4% cash back on grocery store purchases, recurring bill payments, and subscription purchases.
- Earn 2% cash back on eligible gas purchases and daily transit purchases.
- Earn 1% cash back on all other eligible everyday purchases.
Cardholders will receive 4% cash back for up to $25,000 in eligible grocery purchases, eligible recurring bill payments, and subscription purchases in a cardholder year. They will also receive 2% cash back for up to $25,000 in eligible gas and daily transit purchases in a cardholder year.
Read More: Best Credit Cards for Recurring Bill Payments
Once these cash back bonus rate thresholds are met, all future purchases will award 1% cash back for the remainder of the cardholder year.
Annual Fee
The Scotia Momentum Visa Infinite+ card has an annual fee of $120. This is comparable to the annual fee on other Visa Infinite credit card products in Canada. However, there are often welcome offers on the card that include an annual fee waiver, so check the terms of the offer before you apply.
Customers who have a Scotiabank Preferred Package account or a Scotiabank Ultimate Package account can also receive a rebate on the annual fee; double-check the benefits of your account to understand how this benefit works.
The Scotiabank Preferred Package Account offers unlimited debit and Interac e-Transfer transactions. Account holders are entitled to one free monthly ATM withdrawal in Canada and a full annual fee rebate on eligible Scotiabank credit cards (up to $150).
Earn when you apply through Frugal Flyer.
Chequing
Up to $700
Monthly fee waived with a minimum daily closing balance of $4,000 $16.95
Scotia Momentum Visa Infinite+ Card Benefits
The Scotiabank Momentum Visa Infinite credit card doesn’t offer many benefits, but it does provide a number of insurance coverages.
Insurance Coverage
The Scotiabank Momentum Visa Infinite credit card offers the following insurance coverages:
- Travel emergency medical insurance: $1,000,000 per person per trip (up to 15 days for cardholders under age 65)
- Trip cancellation insurance: $1,500 per person, up to $10,000 per trip
- Trip interruption insurance: $2,000 per person, up to $10,000 per trip
- Flight delay insurance: $500 coverage per person for reasonable purchases when delayed or missed connection for 4 hours or more
- Delayed and lost luggage insurance: $500 total coverage per trip
- Travel accident insurance: $500,000 of accidental death and dismemberment coverage
- Rental car collision loss and damage coverage: Comprehensive coverage for cars up to $65,000 MSRP
- Mobile device insurance: $1,000 coverage for theft, loss, or accidental damage to your mobile device
- Purchase security: Coverage for accidental physical damage or theft for 90 days from the date of purchase (Maximum lifetime limit of $60,000)
- Extended warranty protection: Extend the manufacturer’s original warranty up to one additional year
Refer to the Scotiabank Momentum Visa Infinite card certificate of insurance for additional details, including terms and conditions for eligibility.
Redeeming Cash Back on the Scotia Momentum Visa Infinite+ Card
Cash back that is earned on the Scotia Momentum Visa Infinite+ Card can be redeemed at any point in time, provided that the cardholder has accrued at least $25 in cash back on their credit card account.
Cardholders can redeem cash back by logging into their online Scotiabank banking account.
Credit Cards Comparable to the Scotia Momentum Visa Infinite+ Card
If you are looking for a comparable cash back credit card that offers similar earning rates, there are a few other cards that you should consider.
Tangerine Money-Back World Mastercard
The Tangerine Money-Back World Mastercard is a great option if you would prefer a credit card with no annual fee that still earns cash back on all purchases.
The Tangerine Money-Back World Mastercard offers cardholders the ability to choose up to three accelerated spending categories to increase their cash back earnings.
Earn when you apply through Frugal Flyer.
$100 cash back
$1,500
$225+
$0
Yes
Sep 30, 2026
The Tangerine Money-Back World Mastercard earns 2% cash back on all purchases in up to three categories of your choice and 0.5% cash back on all other purchases. These categories include grocery, furniture, restaurants, hotel/motel, gas, recurring bill payments, drug store, home improvement, entertainment, and public transport/parking.
The cash back on the Tangerine Money-Back World Mastercard is paid monthly, as opposed to the once-a-year schedule on the Scotia Momentum Visa Infinite+ card. This may be preferable for those individuals who want to access their cash back sooner.
TD Cash Back Visa Infinite Card
The TD Cash Back Visa Infinite card has a slightly higher annual fee than the Scotiabank Momentum Visa Infinite card but does not have any caps on earning cash back on any of the accelerated earning categories.
The TD Cash Back Visa Infinite* Card earns 3% cash back on all eligible grocery purchases, gas purchases, and regularly recurring bill payments.
$350 cash back
$3,500
$350+
$139 (FYF)
Yes
–
Cardholders will earn 3% cash back on all grocery, gas, and regularly recurring bill payment purchases. They will also earn 1% cash back on all other purchases.
TD Cash Back Visa Infinite cardholders can redeem cash back at any point provided the earned cash back balance is greater than $25. This is more flexible than the Scotiabank Momentum Visa Infinite card which only withdraws the cash back automatically once per calendar year.
TD Cash Back Visa Infinite cardholders are eligible to obtain complimentary Deluxe TD Auto Club membership which provides 24/7 road services in case of an emergency.
BMO CashBack World Elite Mastercard
The BMO CashBack World Elite Mastercard has the same annual fee as the Scotiabank Momentum Visa Infinite card but offers increased earning rates on all purchases, including 5% cash back on groceries.
The BMO CashBack World Elite Mastercard earns up to 5% cash back on grocery purchases, plus elevated cash back earning rates on other popular spending categories.
Earn when you apply through Frugal Flyer.
$480 cash back
$24,000
$605+
$120 (FYF)
Yes
Oct 31, 2026
While there is an increased earning rate on groceries, this increased earning rate is only available for the first $500 spent on groceries in a statement period. This is the same limitation for the other earning categories but at different earning rates and statement period limits.
Once the cardholder reaches the noted total spend amount in the accelerated cashback category during a statement period, all remaining eligible purchases in that category will earn 1% cash back until the next statement.
Cash back earned on the BMO CashBack World Elite Mastercard can be redeemed at any point provided the earned balance is over $1. This added flexibility in redemption may make this card preferable over the Scotia Momentum Visa Infinite+ card for some.
Who is the Scotia Momentum Visa Infinite+ Card Best For?
The Scotiabank Momentum Visa Infinite credit card is best for those individuals who are looking for a good credit card to get more out of their routine purchasing habits. The earning rates are strong, and the earning caps shouldn’t be a concern for the average Canadian family that wants to maximize their rewards on spending.
Needless to say, adding a card to your wallet that can earn you a sizable amount of cash back on your grocery purchases will go a long way in the current economy.
If you aren’t interested in getting started with miles and points, adding a cash back credit card to your wallet is a great place to start getting rewarded for your purchases with a simple-to-understand cash back earning and redemption structure.
Conclusion
The Scotiabank Momentum Visa Infinite+ card is one of a few good options for Canadians who are interested in adding a cash back earning credit card to their wallet. If you aren’t sure if this is the right card for you, consider looking into our credit card comparison tool to see all the options that are available to you.
Josh Bandura
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