Throughout the day, we use credit cards to buy things. They help build good credit, offer cash back, and provide discounts. If you’re interested in these benefits, it’s a good idea to start with a credit card like the Scotia Visa Infinite, which is great for everyday purchases.


Many people know you can use a credit card at the grocery store, but they might not realize you can use it for other things like renting a car, buying a plane ticket, or paying medical bills. It’s all about having the ability to buy different things.

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People have credit cards for various reasons. One important one is for impulse buying, using the card for everyday spending to make sure you don’t overspend. It’s easy to use a credit card at various places, whether in a physical store or online, giving you flexibility. It’s also a way to build a good credit history, which can help you get better loans or jobs.

In this article, we’ll discuss the advantages, costs, how to apply, who can get this card, and hear from people who have used the Scotia Momentum Visa Infinite.

Who is the credit card for Scotia Momentum Visa Infinite?

The Scotia Momentum Visa Infinite card is designed for individuals who want to earn cashback rewards on their everyday spending.

It’s suitable for those who use their credit card for various purchases like groceries, gas, and recurring bills. If you’re looking to maximize savings and prefer cashback benefits, this card is a good choice. Additionally, it’s suitable for individuals with good to excellent credit scores who want to access a credit card with rewards and benefits.

Credit card benefits Scotia Momentum Visa Infinite

The Scotia Momentum Visa Infinite card offers several compelling benefits:

  • Cashback Rewards: Cardholders can earn cashback on various categories, including groceries, gas, and subscription services, providing an opportunity to maximize savings;
  • Comprehensive Insurance: The card features extensive travel and purchase insurance coverage, offering peace of mind during travel and while making significant purchases;
  • Exclusive Privileges: Cardholders gain access to unique privileges, including discounts on airport lounge access and concierge services;
  • Visa Infinite Benefits: As a Visa Infinite card, it offers a wide range of Visa Infinite perks, including travel upgrades, hotel privileges, and dining experiences.

Scotia Momentum Visa Infinite: Fees and tariffs

Scotia Momentum Visa Infinite has some fees you should know about. They waive the annual fee for the first year, but after that, it’s $120 per year, which is pretty average. The good news is they don’t charge late payment fees, but it’s still best to pay on time to keep your credit score healthy.

In terms of interest, you get a 21-day interest-free period. After that, the interest rate for purchases is 20.99%, and for balance transfers and cash advances, it’s 22.99%. There’s also a cash advance fee of $5 and an over-the-credit-limit fee of $29.

If your payment bounces, there’s a fee of $48, which is a bit high since they charge it for each failed transaction. They also have a foreign transaction fee of 2.5%, so it’s not the best choice for international use.

How to request?

Applying for the Scotia Momentum Visa Infinite card is a straightforward process. Individuals can visit the Scotiabank website, complete the online application form, and provide the required personal and financial information. The application process is typically efficient, and successful applicants will receive their card once approved.

Opinion about the card

The Scotia Momentum Visa Infinite is an attractive option for a wide range of individuals seeking rewards, comprehensive insurance coverage, and premium privileges.

Its cashback program and extensive benefits make it a valuable addition to the wallets of cashback enthusiasts, travelers, online shoppers, high spenders, and those who value a premium credit card experience. While it may carry an annual fee, the benefits and rewards provided can often outweigh this cost.

Prospective cardholders should carefully consider their spending habits and financial goals to determine if the Scotia Momentum Visa Infinite aligns with their needs and preferences. Overall, this card provides a blend of financial benefits and lifestyle advantages for those looking to elevate their credit card experience.

Click the button below to be redirected to the official website responsible for applying for a credit card Scotia Momentum Visa Infinite.