Scotia Momentum® Visa® Infinite Card

Card with most awards offers up to 10% cash back and comprehensive Travel Insurance

Updated: Dec 30, 2022

Advertiser Disclosure

Scotia Momentum Visa Infinite Card is a credit card that Scotiabank issues. This card has received many awards for its cashback feature. With this card, you can earn up to 10% cash back (for new users) while building your credit.


See Terms





22 User Ratings

Scotia Momentum® Visa® Infinite Card

This card is not available through MarketProSecure Canada.

Compare Similar

Introductory APR


Intro APR Period


Recommended Credit


Key Features

  • SPECIAL OFFER: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards. Offer ends April 30,2023
  • 4% on eligible recurring bill payments and grocery store purchases
  • 2% on eligible gas station and daily transit purchases
  • 1% cash back on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Visa Infinite Dining Series
  • Visa Infinite Music Series
  • Wine Country Wonders
  • Luxury Hotel Privileges
  • Comprehensive Travel Insurance & New Mobile Device Insurance coverage

Our Take

These days, customers want and demand more from their credit cards and banks. They want stronger security features, better rewards programs – including cash back – and fewer hoops to jump through. This is one reason why the award winning Scotia Momentum Visa has become the first choice for consumers. Customers enjoy up to 4 percent cash back on purchases and recurring payments and the travel rewards will have you wondering why you took so long to see the world. Before you do that, come and see ScotiaBank difference.

Scotia Momentum Visa Infinite Card is the Best for

  • Consumers looking to build credit with everyday purchases
  • Cardholders looking for an interest-free grace period
  • People who want cashback rewards
  • High-income families and individuals

What Are Momentum Visa Infinite Advantages

This card has plenty of advantages that many alternatives lack.

Interest-free grace period

This credit card has an interest-free grace period of 21 days. That’s several months shorter than some cards offer, but it’s still something. That makes the card excellent for a significant purchase, as long as you don’t pay for it in monthly installments.

Cashback rewards

This card offers cash back on almost all purchases; you can get back up to 10% of your money. The cashback includes groceries, gas, subscriptions, etc.

Saving money

If you plan on renting a car any time soon, you can save up to 25% with this card. This option is available only at AVIS and Budget Car Rental locations in Canada and the US.

Online banking

You can use this card on your phone. This option includes paying for groceries and other purchases with your phone; you will save time with digital banking at checkouts. You can also pay your bills with this digital card; you won’t have to wait in line to pay your bills.

Mobile device insurance

Purchasing a phone or tablet with this card carries an insurance benefit. Using your card to buy a new device will automatically protect your device. Scotiabank provides insurance for any mobile device you buy with this card.

Trip insurance

If you use this card to make a reservation for your next trip, you can get up to 75% of the money you have spent back if you cancel your trip. You won’t have to pay extra costs for the trip cancellation.

Travel insurance

Paying for your holiday and other travel reservations with this card will provide you with travel medical insurance. You won’t have to pay for an emergency visit to the doctor. However, you must be younger than 65.

Extended warranty

Buying something valuable might be risky, but making a purchase with a Scotia Momentum Visa Infinite card will extend your warranty1, and be insured against theft. You can extend the manufacturer’s warranty for up to one year, depending on the product.

Flight insurance

Scotiabank will cover you if your plane has been delayed or you lost your luggage. In case of a delayed flight, you are eligible for up to 75% cashback on your plane ticket. On the other hand, with lost luggage, you can get up to $500 back for your lost stuff.

Luxurious hotel experience

If you are a Scotia Momentum Infinite Visa card user, you can be a guest at one of 900 luxurious Visa Hotel Collections worldwide. Moreover, you can get better Wi-Fi and breakfast, a late checkout, and room upgrades.

Wine & Dine

With this card, you can experience something that Visa Infinite2 users cannot. You can cook with international chefs and enjoy some of the best wines in the world. You can attend these events across Canada.

Are There Any Disadvantages?

Here are the most notable drawbacks to consider before applying.

Minimum income requirements. To become eligible for this card, you must have an annual income of at least $60,000 (individuals) or $100,000 (families). Not everyone can become a user of this card and enjoy its benefits.

Credit score requirements. 660 credit score is recommended to qualify for this card. Applying if you have a lower score would only hurt your credit. If you have no credit history, search for alternative cards because you won’t get approval for this one.

Hefty annual fee. Some credit cards don’t require an annual fee, but that is not the case with Visa Infinite cards. To own this card, you will have to pay $120 annually. See No Annual Fee Cards.

Expensive supplementary card. Besides paying a hefty annual fee for the primary card, every supplementary card will cost you $50 per year. You will also have to pay this fee if you lose your card.

What Makes Momentum Visa Infinite Card Different

The Scotia Momentum Infinite Visa card has many unique features. With this card, you can provide insurance for yourself and your family if you are going on a trip. There is no need to pay extra to get high-quality insurance.

Another thing that makes this card unique is its awards for its cashback feature. Namely, this card has received a minimum of four prestige awards for the percentage of the cashback it offers.

We don’t often see a minimum income requirement for a Visa card. However, that is the case with Visa Infinite cards. This particular card requires a minimum of $60,000 annual income. Additionally, the credit limit is $5,000.

The experiences you can gain with this card make it unique. The previously mentioned dining and hotel experiences make this card one of a kind. Those might be the best features this card has to offer.

Similar Offers and Competition

Bottom Line

The Scotia Momentum Infinite Visa card is a credit card you can use to build your credit score. However, it’s not for you if you don’t have a credit history since you need at least a 660 credit score to apply. You can apply for this card if you are a Canadian citizen. After you apply, the bank will check your background and notify you about whether or not you can use the card. This card provides many benefits, including mobile, trip, travel, and flight insurance. You can also enjoy one-of-a-kind experiences in Visa’s luxurious hotels worldwide or enjoy preparing food with professional chefs.

Frequently Asked Questions

Reference Index

  1. What is a Warranty? Cornell Law School
  2. Visa Infinite Card Benefits. Visa
Compare Similar
Basic Information
Issuer: Scotiabank
Network: VISA
Category: Consumer (Premium)
Best Used For:
  • Instant Decision
  • Every Day Purchases
  • EMV Chip
  • Sign-Up Bonus
Rewards: Yes
Reward Types:
  • Gas Rewards
  • Universal Rewards
  • Merchandise Rewards
Reward Units: Cash
Rates & Fees
Regular APR: 20.99%
Regular APR Type:
Annual Fee: See Terms
Balance Transfer: Yes
APR on Cash Advances: 22.99%
Grace Period: See Terms
Other Fees:
  • Foreign Currency Conversion: 2.50 %
  • Each Additional Card: $50.00

Similar Offers

Additional Information & Comments

Minimum Income Requirements: $60,000

Non-Affiliate Offer Disclosure
*The information provided for Scotia Momentum® Visa® Infinite Card is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure® Canada. The card issuer did not provide the details, nor it is responsible for their accuracy.

Scotia Momentum® Visa® Infinite Card

Reviews - (1 User Reviews)
Share your experience and rate the Scotia Momentum® Visa® Infinite Card
January 3, 2021
Sophia (36-45) - Cardholder
Income on Application
Credit Score
Fair (580-669)
Credit Limit
Filed for Bankruptcy

Great VISA card for all those who demand better rewards, more security features, and cash back travel rewards

For a long time I’ve been looking for a credit card that won’t just claim it offers rewards, but actually give those rewards. I’ve finally found a card that can do that for me. Aside from premium benefits and rewards, the card gets you a minimum $5000 credit, which is more than enough for what I had in mind. Sure, there are some downsides like international transaction fees that I didn’t count on at all, but that’s a small con when compared to all the pros.
Fees & Charges:
Features & Benefits:
Customer Support:
Application Process:
Comment (0)

Scotia Momentum® Visa® Infinite Card

Scotia Momentum® Visa® Infinite Card

Rec. Credit Score: Excellent

Save to Compare

My Saved Cards (0)

Compare Saved Cards

MarketProSecure® Canada has made it easy to find the best card offers for you. All you need to do is find the cards you like, click "Save Card", and compare side-by-side.


Advertiser Disclosure

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.