Interested in this credit card? Earn by applying through Frugal Flyer.
The Scotiabank Momentum Visa Infinite card earns 4% cash back on grocery purchases, eligible recurring bill payments, and subscription purchases.
Check out our Scotiabank Momentum Visa Infinite card review for more details.
Offers
Welcome Bonus
Eligible new applicants for the Scotiabank Momentum Visa Infinite Card can receive a welcome bonus of up to $200 cash:
- Earn 10% cashback on purchases for the first 3 months (up to $200 in cash back)
FlyerFunds Rebate
Plus, if you apply for the Scotiabank Momentum Visa Infinite Card through Frugal Flyer and are approved, you can receive an additional $100 paid directly to you.
Earning Cash Back
The Scotiabank 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 calendar year).
- 2% cash back on eligible gas purchases and daily transit purchases (up to $25,000 in purchases per calendar 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 calendar year.
Redeeming Cash Back
Cash back earned on the Scotiabank Momentum Visa Infinite card is issued as a statement credit in November. There is no action required from the cardholder to redeem their earned cash back.
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 Scotiabank Momentum Visa Infinite credit 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.
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*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 July 2, 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.