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These days, finding the right financial products can be confusing. One credit card offer promises this, but only if you jump through hoops. Another bank offers a few great incentives, but the annual fees or other fee structures are bloated, erasing any value from the incentives. ScotiaBank offers the Momentum Visa credit card with a simple rewards program, no annual fee and a great customer service team.

No-Fee Scotia Momentum VISA Card
Intro APR  APR Annual Fee 
7.99%* 19.99% * $0*
Apply For No-Fee Scotia Momentum VISA Card

Basic Information

Issuer: Scotiabank
Card Network: VISA
Card Category: Consumer (Premium)
Card Type: - Instant Decision Card
- Reward Card
Credit Needed: Good*

Card Review

Prepared by
Card rating:
(4.4 out of 5) total 22 votes
Most attractive features: - No annual fee
- Cash Back rewards
- Intro rates on purchases
- Free rewards program
Least attractive features: - No bonus rewards

Rewards & Benefits

Reward Types: - CashBack Reward Cards
- Gas Reward Cards
- Universal Reward Cards
Reward Unit: Cash
Rewards: - 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
- 0.5% cash back on all other eligible everyday purchases
Expiration: None*
Yearly Limit: None*
Other Benefits: - Scotia Credit Card Protection (optional)
- Visa payWave
- My Mobile Wallet
- AVIS car rental discounts
*See terms and conditions of the card for other benefits
Online Card Account Access:

Card Finance & Rates

Introductory APR (%): 7.99%*
Applied Towards: Purchases
Introductory Period: 6 months*
Regular APR (%): 19.99%*
Annual Fee: $0*
Grace Period: See Terms*
Minimum Credit Line: $500*
Over Limit Fee: $29.00*

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%): 22.99%

Other Fees

Additional Fees Foreign Currency Conversion fee: 2.5%
Dishonored payment fee: $48


The introductory 7.99% interest rate applies to purchase only (the "Offer"). This rate applies when the new Scotiabank credit card account ("Account") is opened by defined date (see website for details) the ("Offer End Date") will continue for 6 months from that date ("the Promotional Period"). After the Promotional Period, balances at the promotional rate of 7.99% (including any unpaid balances) will increase to the preferred interest rate for purchases that applies on your Account. Offer applies to new Accounts only opened by defined date (see Terms & Conditions of the offer). Offer applies only to new Scotiabank credit card accounts opened by the Offer End Date. Former or current Scotiabank credit cardholders that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account are excluded from this Offer. Offer may be changed or extended and cannot be combined with any other offer.

The preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). Rates and fees are subject to change.


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* The information provided for No-Fee Scotia Momentum VISA Card is believed to be accurate at the time of evaluation (Apr 27, 2019). Please verify the terms and conditions for each provider to ensure accuracy of any information posted before applying for any product.

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