Offers
Welcome Bonus
Eligible new applicants for the Scotia Momentum Visa Infinite+ Card can receive a welcome bonus of up to $300 cash:
- Earn 15% cash back on purchases for the first 3 months (up to $300 in cash back)
- 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.
FlyerFunds Rebate
Plus, if you apply for the Scotia Momentum Visa Infinite+ Card through Frugal Flyer and are approved, you can receive an additional $150 paid directly to you.
Earning Cash Back
The Scotia Momentum Visa Infinite+ Card earns cash back for all eligible purchases made on the card:
- 4% cash back on grocery store purchases, recurring bill payments, and subscription purchases (up to $25,000 in purchases per cardholder year).
- 2% cash back on eligible gas purchases, daily transit purchases, and food delivery purchases (up to $25,000 in purchases per cardholder year).
- 1% cash back on all other eligible everyday purchases.
Once the cash back bonus rate thresholds stated above are met, all future purchases will award 1% cash back for the remainder of the cardholder year.
Redeeming Cash Back
Cash back earned on the Scotia Momentum Visa Infinite+ Card can be redeemed at any time, provided the cardholder is redeeming a minimum of $25 in cash back.
Benefits
10GB GigSky Mobile Data
Scotia Momentum Visa Infinite+ cardholders receive a complimentary 10GB of GigSky global mobile data for 15 consecutive days every year. They will also receive one complimentary 1GB/15 Day GigSky global mobile data plan each year, plus 20% off future GigSky purchases with your card.
Fees & Eligibility
| Personal Income | $60,000 |
| Household Income | $100,000 |
| Annual Fee | $120 |
| Foreign Exchange Fee | 2.50% |
| Purchase Rate | 20.99% |
| Cash Advance Rate | 22.99% |
| Balance Transfer Rate | 22.99% |
Insurance Coverage
The Scotia Momentum Visa Infinite+ Card provides cardholders with the following 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.
Other Scotiabank Cards
| Credit Card | ||
|---|---|---|
 |
100,000 Scene+ points and $200 FlyerFunds Estimated value: $1,200 Ends Nov 1, 2026 |
|
 |
80,000 Scene+ points and $200 FlyerFunds Estimated value: $1,000 Ends Nov 1, 2026 |
|
 |
60,000 Scene+ points and $150 FlyerFunds Estimated value: $750 Ends Aug 3, 2026 |
|
 |
50,000 Scene+ points and $150 FlyerFunds Estimated value: $650 Ends Nov 1, 2026 |
|
 |
10,000 Scene+ points and $60 FlyerFunds Estimated value: $160 Ends Nov 1, 2026 |
|
*See Card Provider’s website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Rates, fees and other information are effective as of October 31, 2025.
Disclaimer: these responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.