Scotia Momentum® Visa Infinite +* Card 2026 Review

Annual fee
CA$120
Rewards rate
4%-1%
Welcome Bonus
CA$300
Apply Now →on Scotiabank's website

  • 4%Cash back on groceries and recurring bill payments
  • 2%Cash back on gas, transit, rideshares, and food delivery
  • 1%Cash back on all other purchases

Welcome Bonus:

Earn 15% cash back on all purchases for the first 3 months (up to CA$2,000 in total purchases).

Reward Rate:

4% cash back on groceries and recurring bill payments, 2% cash back on gas, transit, rideshares, and food delivery, 1% cash back on all other purchases.

The Scotia Momentum® Visa Infinite +* Card stands out as the top choice because it offers an impressive 4% cash back on groceries and recurring payments, making it ideal for everyday spending. With a generous welcome bonus and no annual fee in the first year, it provides exceptional value for new cardholders.

Pros:

  • High cash back on groceries
  • No annual fee in the first year

Cons:

  • Annual fee after the first year
  • Limited to specific categories for high cash back
Apply now →

The Scotia Momentum® Visa Infinite +* Card is well-suited for individuals who frequently spend on groceries and recurring bills, enabling them to maximize their cash back rewards. With a competitive welcome bonus and a manageable annual fee, it serves as a strong option for those looking to optimize their everyday spending.

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