Scotia Momentum® Visa Infinite*: maximize cashback on daily spending
The Scotia Momentum® Visa Infinite* Card is crafted for Canadians who want strong value with every purchase. With this card, users can earn market-leading cash back rates on essential categories like groceries, recurring bills, gas, transportation, dining, and entertainment. Supported by Scotiabank—a trusted institution with a long history—the Momentum Visa Infinite offers not just rewards, but also peace of mind, thanks to comprehensive insurance and flexible repayment options.
Beyond its rewards program, this card is designed to simplify finances and support cardholders in both routine and extraordinary situations. Whether you’re looking to maximize everyday cash back, leverage travel and purchase protection, or find a credit card that aligns with a busy modern lifestyle, the Scotia Momentum® Visa Infinite* Card could be a strong fit.
Benefits
The Scotia Momentum® Visa Infinite* Card comes packed with rewards and useful perks:
- Up to 4% cash back on groceries and recurring bill payments
- 2% cash back on gas stations, daily transit, dining, and entertainment
- 1% cash back on all other purchases
- Comprehensive travel insurance package (including travel emergency medical, trip interruption/cancellation, and more)
- Mobile device insurance (for mobile phones purchased with your card)
- Purchase protection and extended warranty
- Access to Visa Infinite Concierge and Exclusive Offers
- Flexible repayment via Scotiabank’s installment plans
Prerequisites
To qualify for the Scotia Momentum® Visa Infinite* Card, applicants generally need:
- Personal annual income of at least $60,000, or $100,000 household income
- Canadian residency and age of majority in your province/territory
- Good to excellent credit score (typically above 700)
- No recent bankruptcies
- Ability to provide proof of income and address
Meeting these requirements will increase your likelihood of approval, but all applications are subject to final review by Scotiabank.
About Scotiabank
Scotiabank, officially known as The Bank of Nova Scotia, is one of Canada’s oldest and largest banks. Founded in 1832, Scotiabank now serves millions of customers across over 30 countries, making it a leader among Canada’s “Big Five” financial institutions. The bank is recognized for its stability, international reach, and investment in digital transformation.
Today, Scotiabank focuses on customer-centric solutions, offering everything from basic bank accounts to specialized credit cards and investment products. Its commitment to innovation ensures clients can access robust online and mobile banking, supported by an extensive branch network nationwide.
Who is this card for?
The Scotia Momentum® Visa Infinite* Card is ideal for:
- Individuals and families with moderate to high monthly spending on groceries, gas, transit, and recurring payments
- Consumers who pay off their balance in full each month and want to maximize cash back rewards for everyday purchases
- People who appreciate extra protection like travel insurance and purchase protection
- Applicants able to meet income thresholds who want premium benefits without a travel focus
It’s less suitable for those who spend little on key categories or who may carry a balance month to month (due to higher interest rates).
What rewards and programs does the card offer?
The card’s core reward is cash back:
- 4% cash back on groceries and recurring bills: Applies to most supermarket purchases and eligible automatic payments (like utilities, streaming services).
- 2% cash back on gas, transit, dining, entertainment: Incentivizes use across daily movement and lifestyle expenses.
- 1% cash back on all other eligible purchases.
Cash back is earned throughout the year and credited annually to your account in November. There is no cap on the total cash back you can earn at the base rates. Cardholders also benefit from access to Visa Infinite perks like special event invitations and personalized concierge assistance as part of the program.
Initial credit limit
Most Scotia Momentum® Visa Infinite* Cards are issued with:
- Minimum credit limit: $5,000
- Maximum credit limit: No public maximum; limits are based on applicant’s credit profile and income, but often exceed $10,000 for high-qualified applicants
Higher credit limits may be available for those with strong financial credentials. Limits may be increased over time with responsible usage.
Step by step to apply for the card
- Visit the official Scotia Momentum® Visa Infinite* Card page: Scotia Momentum Visa Infinite* Card Application
- Click the application button
- Complete the online form with your personal and financial details—including income, address, and employment information
- Review and accept the terms and conditions
- Submit your application electronically; approval may be instant for qualified applicants, or follow-up may be required
- If approved, you will receive your card by mail—activate upon receipt
Scotiabank accepts applications in branch, over the phone, or through its secure online banking site/app.
Card’s pros and cons
Pros:
- Top-tier cash back rates on everyday essentials
- Wide range of insurance protections (travel, mobile device, purchase)
- No earning caps in bonus categories
- Visa Infinite extras (concierge, exclusive offers)
- Accessible via robust digital and branch banking network
Cons:
- Annual fee of $120 (waived first year for new accounts, but subject to change)
- Additional cardholder fee: $50 per year
- Cash back is only applied annually (not monthly)
- High standard interest rate (~20.99% for purchases, varies for balance/cash advances)
- Foreign transaction fee of 2.5%
- Income requirements may limit access for some applicants
Carefully consider your spending patterns, ability to pay off balances in full, and whether fees are outweighed by cash back earned.
How to unlock the card?
Once your card arrives, activation is simple:
- Call the number shown on your card’s sticker (or included letter)
- Alternatively, log into your Scotiabank online banking or app and follow “Activate Card” instructions
- Set up your PIN if prompted
- Card is ready for immediate use
If you encounter issues, contact Scotiabank support via the channels below.
Fees and tariffs
- Annual fee: $120 (may be waived for the first year as a promo for new applicants)
- Supplementary card fee: $50/year for each additional cardholder
- Purchase interest rate (APR): approximately 20.99%
- Cash advance APR: approximately 22.99%
- Balance transfer promotional rate: Varies with offers (often as low as 1.99% for 6 months; always check the latest terms)
- Foreign transaction fee: 2.5% of conversion
- Late/overlimit/NSF fees: $48–$50 per instance
Always review the Cardholder Agreement for up-to-date and detailed cost information, as terms may change.
Customer service
Reach Scotiabank for card support:
- Main website: Official Card Page
- Customer Service (Canada): 1-800-472-6842
- Lost or stolen card: 1-866-513-4953 (24/7)
- Scotiabank Live Chat and Secure Messaging: available via online banking or mobile app
Download the Scotiabank app for convenient account management:
Disclaimer: Credit card terms and conditions change over time. Always check the official Scotiabank website for the most current information. This article is for educational purposes only and should not be considered specific financial advice. Responsible use of credit is highly encouraged; always pay balances in full to avoid interest charges.
About the author
I’m a journalist and advertising professional with a degree in both fields, and a deep passion for music, TV shows, books, and all things pop culture. I love learning new languages and exploring the customs and cultures of different countries. What I enjoy most about working in communication is writing and creating SEO-driven content that makes information practical, accessible, and genuinely helpful for people who want to learn or stay informed.
