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Scotia Momentum® Visa Infinite* Card Review
If you’re looking for a credit card with high earn rates on everyday categories like groceries and recurring payments, plus extensive coverage, the Scotia Momentum Visa Infinite Card has it all.
Feb 18, 2026 6:56 PM
Written By
Lead Writer
The Bottom Line
If you're an average spender, this card might not be the best choice in terms of getting the most value. But if you're someone who's constantly buying groceries and paying off recurring purchases, then it could be your ideal match.
Skip to: Detailed Review
Our choice for: Best value on recurring bills and groceries
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on Scotiabank's website
Welcome Bonus
10% Cash Back (up to $200 value)
Annual Fee
$120 $0
Interest Rates
20.99% / 22.99%
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Rewards
- 4% cashback on groceries, recurring payments (up to $25,000 in purchases, equals to $1,000 cashback per year then drops to 1%)
- 2% cashback on gas, daily transit and food delivery (maximum $500 cashback per year)
- 1% cashback on all other credit card purchases (unlimited)
Insurance
Coverage
Mobile Device Insurance
$1,000
Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance
15 days
Trip Interruption
$2,000
Trip Cancellation
$1,500
Flight Delay
$500
Lost or Stolen Baggage
$500Baggage Delay
$500.svg)
Car Rental Damage & Theft
48 days
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car
Visa Infinite Exclusive Benefits
Yes
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
*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. Check here for full details and current product information.
Welcome Bonus Details
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.
Offer valid from October 31, 2025 - April 30, 2026
Card Details
Interest Rates
Purchase APR
20.99%
Cash Advance APR
22.99%
Balance Transfer APR
22.99%
Fees
Annual Fee
$120
Additional Cards
$50 (first year waived)
Eligibility
Minimum Individual Income
$60,000
Minimum Household Income
$100,000
Credit Score Estimate
Good
Type
Card Type
Credit
Reward Type
Cash BackPros & Cons
Pros
- High grocery optimization
- High recurring payment optimization
- High insurance coverage
- First-year fee rebate
- Car rental discounts
Cons
- Low base earn rate
- Income requirements
Our Detailed Review
The Scotia Momentum Visa Infinite Card is great for everyday spenders who want to make the most out of their routine purchases.
With solid reward rates in popular categories and valuable travel coverage, if you’re constantly shopping for groceries, making recurring payments, and taking the occasional trip, this card could be the perfect addition to your wallet.
How You Earn Rewards with the Scotia Momentum Visa Infinite Card
To start, let’s go over the exact rewards you'll earn with the Scotia Momentum Visa Infinite Card.
With this card, you can expect to collect:
- 4% cashback on groceries and recurring payments (maximum $1000 cashback per year)
- 2% cashback on gas and daily transit (maximum $500 cashback per year)
- 1% cashback on all other credit card purchases (unlimited)
To break it down, with the Scotia Momentum Visa Infinite Card, you can collect some of the highest cashback rates on groceries and recurring payments compared to other cashback credit cards in Canada. Not to mention, attractive runner-up cashback rates on gas and daily transit. All things considered, it’s safe to say that this card is a great companion when it comes to tackling your weekly errands and tasks.
Redeeming Your Rewards
With the Scotia Momentum Visa Infinite Card, you can redeem your rewards at any time as long as you have over $25 in cashback. You can deposit your earnings into a Scotiabank account or convert them into a statement credit. Redemptions are processed through the Scotia mobile app or online banking.
How to Apply for the Scotia Momentum Visa Infinite Card
After reviewing everything the Scotia Momentum Visa Infinite Card has to offer, you could be convinced that this card is compatible with your financial goals and lifestyle.
If that’s the case, here’s the step-by-step process on how to apply for the card online:
- First, you’ll want to navigate to the Scotiabank official website. Once you’re there, select “Credit Cards” from the main menu.
- After you're redirected to the Credit Cards page, you should see the Scotia Momentum Visa Infinite Card featured right away under the “Overall” category.
- From here, you’ll want to click “learn about this card” in blue, and follow up by brushing up on everything the Scotia Momentum Visa Infinite Card has to offer.
- Once you decide you’re satisfied with the card’s offerings, hit the “Apply Now” button.
- You’ll be asked to read through the card’s terms and conditions, which will include any rates and fees. Select “Agree and Continue” once you’ve done a proper review.
- This next page is where you’ll be asked to fill in your initial personal details, such as your name and contact information.
- You’ll then be asked to create a username and password, as well as verify your identity.
- Before finishing the application, you’ll also need to include employment details and your annual income.
- Once all of your information has been added, and you've agreed to all the terms and conditions, hit submit.
Tip: To fast-track the entire process, you can always press the "Apply Now" button beneath the Scotia Momentum Visa Infinite Card at the top of this page.
Benefits and Perks
4 Benefits of the Scotia Momentum Visa Infinite Card
The best way to decide whether this credit card is right for you is to see if its benefits align with your spending habits.
Here are some of the perks included on the Scotia Momentum Visa Infinite Card:
Perhaps the biggest perk of this card is its high cashback rates on groceries and recurring payments compared to other cashback competitors. While these reward earnings are capped, they still contribute to a commendable annual value – specifically in your first year of membership.
Being a Visa Infinite card, the Scotia Momentum Visa Infinite Card comes preloaded with affiliated Visa Infinite Benefits.
Inside this benefits package, you’ll find exclusive savings through the Visa Infinite Hotel Collection program, the 24/7 Visa Infinite Concierge Service, and the Visa Infinite Dining and Wine Country program.
For all the travellers out there contemplating this card, you’ll be pleased to know that the Scotia Momentum Visa Infinite Card is well-stocked in terms of insurance coverage. Specifically, you’ll find 11 types of insurance, including sought-after trip interruption and trip cancellation insurance, flight and baggage delay insurance, and mobile device insurance for your electronic sidekick.
While the rewards aren't technically geared towards travel, the protections certainly are, making the Scotia Momentum Visa Infinite Card a well-rounded credit card for different types of cardholders.
Say goodbye to the annual fee – for the first year at least. Right now, the Scotia Momentum Visa Infinite Card is waiving its annual cost for the first year of membership (another factor that makes its first year value so enticing).
Were you hoping for no annual fee whatsoever? If so, you can also opt into the Scotiabank Ultimate Package, which includes the option to waive the annual fee each year on certain Scotiabank cards (like this one). While you’ll be excusing yourself from annual fees, the package itself comes with its own monthly fee. These monthly fees can also be avoided if you keep a minimum daily balance of $5,000 in your account.
Drawbacks and Considerations
2 Downsides to the Scotia Momentum Visa Infinite Card
It’s easy to get caught up in all of the perks, but you’ll also want to keep any shortcomings in mind to make an educated decision on whether or not to apply for this credit card.
If you don’t use your credit card for groceries or recurring purchases, the card is pretty standard when it comes to gas or transit earning rates. Any other type of purchase will also only grant you the base rate, which won’t be worthwhile – especially considering the annual fee that will eventually kick in.
To qualify for the Scotia Momentum Visa Infinite Card, you’ll need a higher personal and household annual income, which could prove to be an obstacle for some cardholders.
Frequently Asked Questions
If you meet the annual income requirements, want to indulge in premium travel benefits and coverage, don’t mind paying an annual fee, and plan to spend enough to earn high rewards that will offset any associated fees, then a Visa Infinite Card might be worth it to you.
However, deciding whether this Visa category is worth it depends on your spending habits and financial needs.
Unfortunately, the Scotia Momentum Visa Infinite Card doesn't have any airport lounge access. To explore options that include airport lounge memberships and complimentary visits, check out our best lounge access cards blog.
No, you do not need a Scotiabank bank account to get the Scotia Momentum Visa Infinite Card. You’ll simply need to meet the annual income requirements and hold the recommended credit score for a successful application.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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