Scotia Momentum Visa Infinite: maximize cashback potential
Save money on your everyday purchases
The Scotia Momentum Visa Infinite credit card is built for individuals who want to make their spending work harder for them.

With a focus on maximizing cashback rewards across various everyday categories, this card offers users the opportunity to save money on routine purchases.
Whether it’s grocery shopping or paying bills, this product provides a way to earn back a portion of what you spend.
In this guide, we’ll take a closer look at the features, benefits, and potential downsides of this card to help you decide if it’s ideal for your financial situation.
Pros and cons of the credit card Scotia Momentum Visa Infinite
Advantages of the Scotia Momentum Visa Infinite
The Scotia Momentum Visa Infinite offers several advantages that bring convenience and practicality to its users.
Here are some of its main perks:
- Cardholders can earn 4% cashback for every dollar spent on grocery store and subscription purchases and recurring bill payments;
- Users get 2% cashback for every $1.00 spent on gas and daily transit purchases;
- Additionally, consumers receive 1% cashback on all other purchases made using the credit card;
- Clients can also have access to unique experiences through Visa Infinite, such as the Visa Infinite Hotel Collection, which offers exclusive perks designed to elevate their lifestyle.
Disadvantages of the Scotia Momentum Visa Infinite
While the Scotia Momentum Visa Infinite card has many strengths, it’s important to consider the downsides before applying.
Check out some of potential drawbacks below:
- It comes with an annual fee;
- This card has a relatively high minimum credit limit of $5,000, which may not be ideal for individuals seeking a lower spending threshold;
- Each supplementary card has a fee that must be paid per year;
- It has fairly high interest rates on purchases and cash advances.
Fees of the Scotia Momentum Visa Infinite
Understanding the costs associated with a credit card is essential when deciding whether to apply.
Here’s a summary of the fees for the Scotia Momentum Visa Infinite card:
- Annual fee: $120.00 (after the first year of use);
- Interest rates for purchases: 20.99%;
- Interest rates for cash advances: 22.99%;
- Supplementary card fee: $50.00;
- Foreign currency conversion fee: 2.50%;
- Over limit fee: $29.00.
Last update of rates according to the official website: 01/28/25
About the issuing bank
Scotiabank is one of Canada’s leading banks, known for its comprehensive suite of financial services and international presence.
This bank has built a reputation for customer satisfaction and innovative banking products, with a strong focus on delivering value to its clients.
The Scotiabank Momentum Visa Infinite credit card is part of the bank’s effort to provide rewarding options for everyday spenders, helping them get more out of their regular purchases.
Application
Opinion about the card Scotia Momentum Visa Infinite
The Scotia Momentum Visa Infinite credit card is an interesting option for those looking to maximize cashback on everyday purchases.
Additionally, the high cashback potential in specific categories, like gas stations and grocery stores, can be particularly valuable for individuals who spend in those areas regularly.
However, the annual fee and other costs associated with this card might be a disincentive for some individuals.
Besides, those with limited spending in the high-cashback categories or who don’t meet the minimum income requirement may want to consider other credit card alternatives.
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