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Scotia Momentum® Visa* Card
American Express® Aeroplan®* Reserve Card
Welcome Bonus
Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)
Welcome Bonus
New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points. Earn 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months. Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13. That’s up to $2,600 or more in value when you combine your welcome bonus points and card benefits.
Our Cash Offer
$60 Cash Rebate offer from FinlyWealth
Our Cash Offer
N/A
Rewards Breakdown
Annual Rewards
$305.45
First Year Bonus Value
+
$0
Annual Fee
-
$39
Finly Rebate
+
$60Exclusive Offer
First Year Value
$326.45
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$659.8
Air Canada Aeroplan®
First Year Bonus Value
+
$0
Air Canada Aeroplan®
Annual Fee
-
$599
First Year Value
$60.8
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
While the first year bonus value here may show $0, the actual welcome bonus offer for this credit card is Earn up to 85,000 Aeroplan points, which we value at $1,785 when you meet the minimum spending or other listed requirements. The value of $0 here was derived based on numbers in the spending inputs and whether you meet the minimum listed requirements.
How to Earn Rewards
How to Earn Rewards
Insurance Included
Extended Warranty
Purchase Protection
Insurance Included
Extended Warranty
Purchase Protection
Lost or Stolen Baggage
Baggage Delay
Car Rental Damage & Theft
Travel Accident
Hotel Burglary Insurance
Emergency Out of province Medical
Trip Cancellation
Trip Interruption
Flight Delay
Extra Benefits
Car Rental Discount
Extra Benefits
Companion Voucher
Status lift
Status lift
Status lift
Status lift
Free first checked bag
Extra points
Free Extra Night at Hotels
Nexus Program Rebate
Priority Travel
Priority Travel
Airport Lounge - Maple Leaf and AirCanada Cafes
Airport Lounge - Priority Pass
Amex Experiences™
Interest Rates
Purchase:
19.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
21.99%2
Cash Advance:
21.99%2
2 If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
Annual Fee
$39
Annual Fee
$599
Income Required
Min Personal Income:
$12,000
Min Household Income:
N/A
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program
N/A
Loyalty Program
Point Redemption Options
Not Applicable
Point Redemption Options
Most Optimal
Aeroplan® Flights
Car Rentals
Travel
Merchandise
Gift Cards
Is this card worth it?
The Scotiabank Momentum Visa is a low annual fee cash back card that offers impressive earn rates on a variety of everyday spending categories, making it an excellent choice for those who want to maximize rewards without the higher cost of its Visa Infinite counterpart.
Is this card worth it?
If you are a frequent Air Canada traveler, having an Aeroplan card for perks like free checked bags and priority service can be very beneficial. Many financial institutions offer Aeroplan cards, but I don't believe the American Express version is the best one. Opting for another option might be better. However, the Amex card does have a very large sign-up bonus, making it a great choice for those specifically seeking that.
Pros
Pros
Cons
Cons
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vs Marriott Bonvoy® American Express®* Card
vs SimplyCash™ Preferred Card from American Express
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vs American Express Platinum Card®
vs SimplyCash® Card from American Express
vs CIBC Aeroplan® Visa Infinite* Card
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Legal
See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
*Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.