Scotia Momentum VISA Infinite


Interest Rate


Annual Fee


Balance Transfer


Card Type

Cash Back

The cash back card with the most awards in 2021.

  • Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases
  • Earn 2% for every $1 you spend on gas purchases and daily transit purchases
  • Earn 1% cash back on all other purchases with no cash back limit.

Scotia Momentum VISA Infinite Credit Card

Scotia Momentum® VISA Infinite Credit Card is possibly the best cash back Credit Card available. This credit card by Scotiabank offers solid 4% cash back on gas and grocery purchases. Furthermore, you can enjoy 2% cash back on recurring payments and drug store bills. All other eligible categories have cash back of 1%. An important thing to remember is that the Scotia Momentum® VISA Infinite Credit Card comes with an annual fee. Yes, you have to spend $99 annually to enjoy the benefits this card offers, but this isn’t a bad deal.

Scotia Momentum VISA Infinite is a high-earning cash-back credit card that maximizes the cash return from a credit card. It’s a solid cash back card from Scotiabank, one of Canada’s biggest banks. This is one of the best cash-back cards in Canada. The ideal annual fee is $99.

What People Love About Scotia Momentum® VISA Infinite Credit Card

  • Scotia Momentum® VISA Infinite Credit Card offers excellent cash back on basic categories. You can earn up to 4% cash back on gas and grocery purchases and this is a huge advantage. Recurring bill payments like your club membership and phone bills can help you earn 2% cash back. All other categories have 1% cash back. Keep in mind that 4% cash back can only be earned up to $25,000 spent annually. Once you exceed the $25,000 annual limit, you will earn 1% cash back on all eligible categories as well, as gas grocery, drug store purchases and recurring payments.
  • All transactions made with Scotia Momentum® VISA Infinite Credit Card are secure, as this credit Credit Card comes equipped with chip technology.

This credit card offers great returns on household spending. If you spent $25,000 on grocery and gas, with Scotia Momentum VISA Infinite you’ll get 4% cash back. In addition, you’ll get 2% cash back on recurrent bill payments and for every dollar spent at pharmacies. And for the other purchases, you’ll get 1% cashback.

Scotia Momentum VISA Infinite comes with luxurious possibilities that can make better your travel experience. It includes a purchase guarantee, extended warranty, and no liability. It also comes with insurance benefits as accidents, stolen or lost baggage, trip interruption, and loss insurance for a rented car.

To be qualified for this credit card, people must have a household income of $100,000 or an income of $60,000 annually. The interest rate is 22.99% on balance transfers and cash advances; and 19.99% for purchases.


The Final Verdict

If you want to earn rewards for your spending then Scotia Momentum® VISA Infinite Credit Card is the best card for you. Since you have to spend money on grocery, gas and recurring bills, you can switch to this card and save money right from the start. When you add the 4% cash back from gas and grocery with 2% cash back from the drugstore and recurring bills along with 1% cash back on other eligible categories, you would see that the $99 annual fee you pay is nothing compared to the amazing benefits you get. So what are you waiting for? Apply for Scotia Momentum® VISA Infinite Credit Card today to enjoy these amazing rewards.

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