Scotia Momentum® Visa Infinite* Card vs Scotiabank® Scene+ Visa Card: Which one is better?
Scotia Momentum® Visa Infinite* Card
4
Scotiabank® Scene+ Visa Card
3.3
Finly Rebate
Finly Rebate
Rewards Breakdown
Annual Rewards
$407.15
First Year Bonus Value
$200
Annual Fee
$120
$0
First Year Waived
Finly Rebate
$100Exclusive Offer
First Year Value
$707.15
$287.15 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$245.65
Scene+
First Year Bonus Value
$50
Scene+
Annual Fee
$0
Finly Rebate
$60Exclusive Offer
First Year Value
$355.65
$245.65 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included*
Lost or Stolen Baggage
$500
Baggage Delay
$500.svg)
Car Rental Damage & Theft
48 days
Travel Accident
$500,000
Mobile Device Insurance
$1,000
Extended Warranty
1 year
Purchase Protection
90 days
Emergency Out of province Medical
15 days
Trip Cancellation
$1,500
Trip Interruption
$2,000Flight Delay
$500
Insurance Included*
N/A
Extra Benefits*
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car
Visa Infinite Exclusive Benefits
Yes
Extra Benefits*
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car
Interest Rates*
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates*
Purchase:
20.99%2
Cash Advance:
22.99%2
Balance Transfer:
22.99%2
Annual Fee*
$120
$0
First Year Waived
Annual Fee*
$0
Income Required*
Min Personal Income:
$60,000
Min Household Income:
$100,000
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Welcome Bonus*
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on additional cards.
Welcome Bonus*
Earn 2,500 bonus Scene+ points by making at least $250 in everyday eligible purchases in your first 3 months. You are eligible to earn an additional 2,500 Scene+ point bonus when you spend at least $1,000 in everyday eligible purchases in your first 3 months. Terms Apply.
Rewards Rate*
- 4% cashback on groceries, recurring payments (maximum $1000 cashback per year)
- 2% cashback on gas, daily transit (maximum $500 cashback per year)
- 1% cashback on all other credit card purchases (unlimited).
Rewards Rate*
- Earn 2x Scene+ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more
- Earn 2x Scene+ points for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
- Earn 2x Scene+ points for every $1 you spend at Cineplex theatres or online at cineplex.com
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Loyalty Program*
N/A
Loyalty Program*
Point Redemption Options*
Not Applicable
Point Redemption Options*
Entertainment
1¢ / point
Travel
1¢ / point
Groceries (Sobeys)
1¢ / point
Restaurants
1¢ / point
Merchandise
0.76¢ / point
Gift Cards
0.74¢ / point
Statement Credits (Cash)
0.7¢ / point
Is this card worth it?
The 4% cashback offered on groceries and recurring purchases is the highest among all other credit cards. With the first year's annual fee waived, and with the right transactions used on this credit card, a high amount of cashback could be earned.
Is this card worth it?
We like this card because it offers solid rewards with no annual fee, including the opportunity to earn up to 5,000 bonus Scene+ points within the first 3 months. With 2x Scene+ points on purchases at popular grocery stores, home improvement retailers, and Cineplex, plus 1x points on all other purchases, it's a great option for maximizing everyday spending.
Pros
- Highest Cashback rates on Groceries and Recurring purchases compared to other cashback credit cards.
- High insurance coverage.
- First year annual fee waived.
Pros
- No Annual Fee: Enjoy all the benefits without any yearly cost.
- Universal Rewards: Earn rewards on every purchase, no matter where you shop.
- Flexible Redemption: Redeem your rewards with a variety of options tailored to your needs.
Cons
- The base cashback rate (1%) is low for most high spent categories, especially after the first year when the card's annual fee kicks in.
Cons
- Limited Accelerated Categories: Fewer opportunities to earn bonus points in specific categories.
- Specific Grocery Partners: Rewards at grocery stores are limited to select partners.
- Lacks Travel Insurance: Missing some of the common travel insurance coverages offered by other cards.
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