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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
Intro APR  APR Annual Fee 
N/A* 19.99% * $99 Waived for the first year*
Apply For Scotia Momentum VISA Infinite Card

Basic Information

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

Card Review

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At last, a new credit card offer that actually makes card holders feel as though they are being rewarded. The Scotia Momentum Visa credit card is designed for customers who are tired of the exhaustion that comes with overly-detailed rewards that somehow never feel rewarding. With ScotiaBank and Visa, two globally recognized brands that represent strength, even in economic downturns, consumers have found safe harbor in a sea of less than perfect products.

A strong credit rating ensures your approval and the low interest rates and fee structures ensure you're not shelling out more of your hard earned With layers of enhanced security built into every credit card, a host of other security features that comes with the ScotiaBank promise and up to 4 percent cash back opportunities, you're going to love the difference freedom provides.

It truly is all about flexibility and versatility. As this global bank continues to develop innovative programs, stronger technology and incredible rewards programs, you can be sure as a cardholder, your opportunities for making the most of your financial choices increase in ways you never thought possible.

A minimum $5000 credit line gets you started with this award winning credit card and you'll have your first year's annual fee waived. Doesn't get much better than that.

Have questions or want to learn more? Call us or visit the website to read the terms and conditions, check out the cash back opportunities and compare our offers to the credit cards you already carry. See for yourself the difference.
Card rating:
(4.5 out of 5) total 12 votes
Most attractive features: - Intro rates
- Rewards program
- Premium benefits
Least attractive features: - International transaction fee
- Annual fee from 2nd year

Rewards & Benefits

Reward Types: - Gas Reward Cards
- Merchandise Reward Cards
- Universal Reward Cards
Reward Unit: Cash
Rewards: - 4% on eligible gas station & grocery store purchases
- 2% on eligible drug store purchases & recurring bill payments
- 1% cash back on all other eligible everyday purchases
Expiration: None*
Yearly Limit: None*
Other Benefits: - Travel Emergency Medical Insurance
- Trip Interruption Insurance
- 25% AVIS Car Rentals discount
- Visa payWave
- VISA Infinite Enhancements
- Rental Car Collision/Loss Damage Insurance
*See Terms and Conditions of the card for more benefits
Online Card Account Access:

Card Finance & Rates

Introductory APR (%): N/A*
Applied Towards: Balance Transfer, Cash Advance
Introductory Period: N/A*
Regular APR (%): 19.99%*
Annual Fee: $99 Waived for the first year*
Grace Period: See Terms*
Minimum Credit Line: $5,000*
Over Limit Fee: $29.00*

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%): 22.99%

Other Fees

Additional Fees Foreign Currency Conversion: 2.50 %


For card application, the Minimum Annual Income Required: $60,000 individual, $100,000 household

Promotion's Legal Reference:

We will waive the initial annual fee for the primary card and each additional supplementary card for the first year (the "Offer"). Offer applies to new Accounts only that are opened by a defined date (the website for details) (the "Offer End Date"). Any additional supplementary cards must be issued by the defined date (see terms & conditions), to qualify for 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 fee is $99 for the primary card and $30 for each additional supplementary card. Rates and fees are subject to change.


Click Here to Apply
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Apply For Scotia Momentum VISA Infinite Card Secure Online

* The information provided for Scotia Momentum VISA Infinite Card is believed to be accurate at the time of evaluation (Aug 30, 2018). Please verify the terms and conditions for each provider to ensure accuracy of any information posted before applying for any product.

SSL Security Security Note: Online application features Secure SSL Technology.

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