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Why the Scotiabank Momentum® Visa Infinite* card could be a fit
Below are some key features Scotiabank highlights for the Scotia Momentum® Visa Infinite* Card. They can help you understand how the card works and whether it suits your everyday spending.
- Cash back on everyday purchases: the card offers higher cash back on eligible grocery shopping, recurring bills and some daily transit, and a base rate on other purchases, according to the Scotia Momentum Cash Back Program.2,4,5
- Introductory cash back offer: at the time of writing, Scotiabank advertises a promotional cash back rate on all purchases for the first few months, up to a set dollar limit in total purchases, plus a first-year annual fee waiver on the primary card and
additional cards.1 Promotional offers can change, so it’s important to check the current details on Scotiabank’s official page. - Cash back that can help with household costs: the higher cash back categories focus on common bills like groceries, recurring payments and transit, which may help you get a bit back on expenses you already have, if you pay your balance on time.
- Built-in travel and purchase insurance: the card includes several insurance coverages such as travel emergency medical, trip cancellation and interruption, new mobile device insurance, rental car collision/loss damage, flight delay and baggage coverage, plus purchase security and extended warranty, subject to the terms in the Certificates of Insurance.7
- Annual fee and interest rates: the regular annual fee for the primary card is currently $120, with additional cards carrying their own annual fee.3 Standard purchase and cash advance interest rates apply if you carry a balance. These costs are important to consider, especially if you usually can’t pay your full statement each month.
- Minimum credit limit and eligibility: the card has a minimum credit limit and Scotiabank states that you generally need to meet a minimum personal or household income or assets under management requirement to qualify.3 Approval is not guaranteed and depends on Scotiabank’s credit assessment.
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Manage your card through Scotiabank’s online and mobile tools
You can manage the Scotia Momentum® Visa Infinite* Card through Scotiabank’s online banking and mobile app.
This can be useful if you are watching every dollar and need to keep a close eye on your spending.
With Scotiabank’s digital banking, you can:
- view your current balance, available credit and recent transactions;
- see your statement and payment due date in one place;
- set up recurring payments for some bills so you don’t miss due dates;
- make payments from a Scotiabank account or another linked account;
- track your cash back earnings within the program, as available.
Using the app and online banking regularly can help you avoid surprises on your statement, especially if money is tight and you need to plan your monthly budget carefully.
Some Visa Infinite* benefits that may be included
As a Visa Infinite* card, the Scotia Momentum® Visa Infinite* Card may provide access to certain Visa Infinite services and experiences, in addition to Scotiabank’s own features. These benefits are offered and managed by Visa and can change over time.
- Visa Infinite experiences: access to selected dining, entertainment and travel experiences available to eligible cardholders, as described on Visa’s official Infinite website.
- Visa Infinite Concierge: a 24/7 concierge service that can help with things like restaurant reservations, trip planning or finding event tickets, subject to Visa’s terms and availability.3
- Visa Infinite Hotel Collection: access to participating hotels with benefits such as best available rates, possible room upgrades when available and other perks, according to the Visa Infinite programme.
- Car rental savings: discounts off base rates at participating AVIS and Budget locations when you pay with your Scotia Momentum® Visa Infinite* Card and quote the appropriate discount numbers.3
- Contactless and digital payments: tap-to-pay and supported mobile wallet options, such as Visa contactless payments and select digital wallets, can make small everyday purchases quicker at checkout.
For full and up-to-date details on Visa Infinite benefits, it’s best to review the information directly on visa.ca/infinite or the official Visa channels.
How to apply for the Scotia Momentum® Visa Infinite* Card
Applications for the Scotia Momentum® Visa Infinite* Card are done through Scotiabank’s official channels. The bank reviews each request based on its own credit and income criteria.
- Visit the official Scotia Momentum® Visa Infinite* Card page on Scotiabank’s website and review the latest information on rates, fees, cash back structure and eligibility.
- Make sure you understand the current minimum income or asset requirements and other qualifications listed under “How to qualify”.
- Start the application online and provide your personal details, income information and other data requested by Scotiabank.
- Submit your application and wait for Scotiabank to complete its credit review. The bank may ask for extra information or documents if needed.
- If your application is approved, your card will be issued and mailed to the address you provided. Follow Scotiabank’s instructions to activate the card before using it.
If you often need to carry a balance from month to month, it may be helpful to compare this card with lower-rate or no-fee options before applying, so you can choose what fits your situation best.
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