Scotia Momentum Visa Infinite: cash back on groceries and bills
The Scotia Momentum Visa Infinite credit card, now branded by Scotiabank as the Scotia Momentum Visa Infinite+ Card, is designed for people who want to earn cash back on everyday purchases along with Visa Infinite benefits and travel insurance.
This credit card is built around common spending categories. It pays its highest cash back on items many households already pay for, such as groceries and recurring bills, and a higher rate on gas, transit and food delivery.
Because it is a Visa card, it can be used in most stores across Canada and on Canadian and international websites that accept Visa.
The amount of cash back you earn depends on the category of each purchase, and the higher rates apply up to an annual spending limit.
Before applying, it’s important to understand how the rewards work, as well as the card’s income requirements, fees and interest rates.
Pros and cons of the Scotia Momentum Visa Infinite credit card
Advantages of the Scotia Momentum Visa Infinite
The Scotia Momentum Visa Infinite includes several features that may match different spending patterns, including:
- Earn 4% cash back on eligible grocery purchases and recurring bill payments, like phone, insurance, memberships and subscriptions, on up to $25,000 in annual purchases;
- Earn 2% cash back on eligible gas, electric vehicle charging, daily transit, rideshare and food delivery purchases, on up to $25,000 in annual purchases;
- Earn 1% cash back on all other eligible purchases, and on purchases in the 4% and 2% categories once their annual limits are reached;
- Redeem your cash back at any time once you have at least $25, as a statement credit or a deposit into a Scotiabank account. It doesn’t expire while your account is open;
- Includes travel insurance, such as Travel Emergency Medical Insurance of up to $1 million, trip cancellation and trip interruption, flight delay, delayed and lost baggage, travel accident and rental car collision/loss damage insurance;
- Also includes Mobile Device Insurance of up to $1,000, Purchase Security for 90 days and Extended Warranty Protection, which doubles the manufacturer’s warranty for up to one additional year;
- Access Visa Infinite benefits, such as 24/7 concierge service, the Visa Infinite Hotel Collection and the Visa Infinite Dining and Wine Country program.
Insurance coverage is subject to the terms, limits and exclusions in the Certificate of Insurance provided with the card.
Disadvantages of the Scotia Momentum Visa Infinite
Along with its rewards, the Scotia Momentum Visa Infinite also has some limitations to consider:
- A minimum income requirement applies: at least $60,000 in personal income or $100,000 in household income, or a minimum amount of assets under management;
- An annual fee of $120 applies, although Scotiabank may waive it in the first year through promotional offers;
- Travel emergency medical coverage only applies to travellers under 65 and to trips of up to 15 consecutive days;
- There is a $50 yearly fee for each supplementary card added to the account;
- The minimum credit limit is $5,000.
Fees of the Scotia Momentum Visa Infinite
Reviewing fees and interest rates is an important step when comparing credit cards. Below is a summary of the Scotia Momentum Visa Infinite costs, based on information provided by Scotiabank:
- Annual fee: $120;
- Interest rate for purchases: 20.99% annually;
- Interest rate for cash advances, balance transfers and cash-like transactions: 22.99% annually;
- Increased rates: if you miss your minimum payment two consecutive times, your rates may increase to 25.99% on purchases and 27.99% on cash advances;
- Supplementary card fee: $50 per year;
- Foreign currency conversion fee: 2.5% on transactions made in foreign currencies;
- Over-limit fee: $29 if the account exceeds its approved credit limit.
Rates and fees checked on September 22, 2026, against the official Scotiabank website. Confirm current terms on the Scotiabank website before applying.
Interest applies if you carry a balance past the due date or use cash advances. Reading the full cardholder agreement can help you understand how and when each charge is applied.
About the issuing bank
Scotiabank, officially known as The Bank of Nova Scotia, is one of Canada’s major financial institutions. It offers chequing and savings accounts, loans, investments and credit cards to individuals and businesses across the country.
The Scotia Momentum Visa Infinite is part of Scotiabank’s Visa Infinite range, which is aimed at customers looking for higher reward rates and added services compared with standard credit cards.
How to apply
You can apply for the Scotia Momentum Visa Infinite card online through the Scotiabank Canada website. Scotiabank says the application takes about 15 minutes. The process usually follows these steps:
- Go to the official Scotiabank website and find the Scotia Momentum Visa Infinite card;
- Read the details about cash back, fees, interest rates and eligibility;
- Select “Apply now” to begin the application;
- Answer questions about your job, your yearly income and where you live;
- Submit the application for Scotiabank’s credit review;
- If approved, receive the card by mail and activate it before use.
You can also book an appointment to speak with a Scotiabank advisor. Approval depends on factors such as your credit history, income and the bank’s internal criteria.
Our opinion about the Scotia Momentum Visa Infinite
The Scotia Momentum Visa Infinite credit card may suit people who spend regularly on groceries, recurring bills, gas and transit, and who prefer cash back instead of points. The 4% rate on groceries and recurring payments is the card’s main strength for households with steady monthly expenses.
At 4%, you’d need to spend about $3,000 per year ($250 per month) on groceries and recurring bills just to cover the $120 annual fee.
On the other hand, the income requirements and the annual fee mean this card may not fit every budget, and travel medical coverage is limited to 15 days for travellers under 65. If you don’t spend enough in the higher cash back categories, a no-fee card may be a better option.
Overall, this card works best for people who understand its fees, meet the eligibility requirements and pay their balance in full every month.
Click the button below to see a full review of the Scotia Momentum Visa Infinite credit card:
You will remain on this site
Legal Disclaimer: This website is independent and purely informational, and its content does not constitute financial advice. Finvyu is not affiliated with Scotiabank. We do not guarantee credit approval or card issuance, which are subject solely to the risk analysis of The Bank of Nova Scotia (Scotiabank). Finvyu Editorial Team.