Scotia Momentum® Visa® Card

2% cash back on gas, recurring payments, grocery and drug store purchases. and recurring payments.

Updated: May 18, 2022

Advertiser Disclosure

Been waiting for a better credit card offer? It's here. ScotiaBank and Visa now offer the low-fee cash back rewards Momentum credit card. It's a smart financial choice that is designed to protect consumers, ensure lower fees and offer a great rewards program, too. Applying is easy when you visit the ScotiaBank website and there's always a great customer service team on ready to answer questions.







34 User Ratings

Scotia Momentum® Visa® Card

at Scotiabank Secured website

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Introductory APR


Intro APR Period

6 months on BT

Minimum Credit Score


Key Features

  • 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)◊
  • Cash back with low annual fee
  • 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 1% cash back on all other eligible everyday purchases

Our Take

Consider the credit cards you’ve used over the years, some of which you may still carry in your wallet, rarely, if ever used because of a too-high interest rate, too many fees that make it unaffordable or maybe just because of poor customer service. Even those that you do often may not offer everything you’d define as a perfect financial tool. Now consider Scotiabank Momentum Visa. This credit card has the backing of two of the biggest names in the financial industry: ScotiaBank and Visa. That’s a lot of power packed into a credit card – but it’s what every consumer is looking for.

Let’s face it, there is an overwhelming number of credit cards on the market today. Finding the one that meets your needs, offers affordable fees and lower interest rates can be challenging. Just when it seems as though you’ve discovered that ideal rewards credit card, you realize the fees are simply too high. There has to be a better way – and that better way is found in this great rewards card.

A low-interest rate, the latest in credit card safety technology, cashback on everyday purchases, and even those monthly recurring payments we make for our mortgages, insurance, and car payments. Plus, you’ll enjoy worldwide acceptance, the convenience of Visa payWave as well as Visa Checkout and you’re eligible for My Mobile Wallet. You’ll never worry about another purchase when you add the security and extended warranty protection. There’s a reason the Scotiabank Momentum Visa card stands apart – come and see for yourself.


  • Long term intro rates
  • Rewards program


  • Annual fee
  • No bonus points

Scotia Momentum Visa FAQs

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Basic Information
Issuer: Scotiabank
Network: VISA
Category: Consumer (Regular)
Best Used For:
  • Instant Decision
Rewards: Yes
Reward Types:
  • CashBack Rewards
  • Gas Rewards
  • Universal Rewards
Reward Units: Cash
Rates & Fees
Introductory APR (%): 2.99%
Applied Towards:
  • Balance Transfer
Intro Period: 6 months on BT
Regular APR: 19.99%
Regular APR Type:
Annual Fee: $39
Balance Transfer: Yes
APR on Cash Advances: 22.99%
Grace Period: See Terms
Other Fees:
  • Foreign Currency Conversion: 2.5%
  • Supplementary Card Fee: $15
  • Dishonored Payment Fee: $48

Scotia Momentum® Visa® Card Alternatives

Scotia Momentum® Visa® Card

Scotia Momentum® Visa® Card


Annual Fee


Regular APR


Intro APR


Min. Credit Level


*The information provided for Scotia Momentum® Visa® Card is believed to be accurate at the time of evaluation or recent update on May 18, 2022. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

Scotia Momentum® Visa® Card

Reviews - (1 User Reviews)
Share your experience and rate the Scotia Momentum® Visa® Card
November 18, 2020
Jason (36-45) - Cardholder
Income on Application
Credit Score
Excellent (740-850)
Credit Limit
Filed for Bankruptcy

Low-fee cash back rewards

If you’re looking for a good low-fee cash back rewards credit card, I would recommend trying this card. Applying is exceptionally easy and I really have to give it to their customer support, those guys really know how to help a client. The card has a few downsides, which isn’t anything new. There are no bonus points and annual fees could be better, but there are tons of rewards that make this card so good. What sealed the deal for me was their customer protection program. It’s not the best, but it’s definitely not the worst card out there.
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Scotia Momentum® Visa® Card

Scotia Momentum® Visa® Card

Min. Credit Required: Good

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MarketProSecure® Canada website supports advertisements and receives compensation from certain credit card issuers and advertisers. The partnership with a few financial product providers results in the coverage of their credit or debit related products. The content on the website is not provided or commissioned by any credit card issuers. The advertiser relationships do not affect the ratings and reviews nor our Best Card Picks. MarketProSecure® Canada makes an effort to provide accurate information. Clicking on the "Apply Now" button will present the most up-to-date information from the credit card issuer regarding the terms and conditions, rates, and fees. MarketProSecure® Canada may receive a commission from product providers and credit card issuers. Editorial Guidelines provides the full list of these issuers.