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Scotia Momentum® for business Visa* Card
$100
$0
$100
$0
Scotia Momentum® for business Visa* Card and $100 $0 Rebate Exclusively from FinlyWealth**
Secure & Private
INTERAC e-Transfer$760,000+ Paid out so far
Rebate Offer Terms
*/** Terms and conditions apply.
- Subject to approval by the bank
- Only valid for eligible new cardholders
Card Details
Info
Card Type | Credit |
Reward Type | Cash Back |
Finly Rating | 4.6/5 |
Institution | Scotiabank |
Fees & Rates
Annual Fee | $79 |
Additional Card Fee | $29 |
Interest Rates | Purchase: 19.99% Cash Advance: 22.99% Balance Transfer: 22.99% |
Eligibility
Credit Score Estimate | Good |
Annual Income | Personal: N/A Household: N/A |
Bonuses
Welcome Bonus | 2.99% introductory interest rate on balance transfers up to 6 months[1] |
Description | 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $79).[1] |
How to Get the Rebate
1
Sign in or create a new FinlyWealth account.
2
Click the offer link provided in order to be redirected to the merchant's page.
3
Make sure to add your INTERAC e-Transfer email to your Finly profile for us to process payments.
4
Complete your application process in one go.
5
Once approved, the institution will report the transaction to us based on their reporting schedule, which can vary from 3-5 days, up to 2 weeks. Your Finly cashback profile will reflect that as soon as we receive a status update.
Rebate payments are generally processed within 10 days of receiving transaction confirmations, however it may vary depending on payment processing times.
Payments & Privacy
Your Privacy Matters
We take privacy seriously and believe in keeping your information the way it's meant to be - private. We ask for minimal information to reduce exposure and secure any personal information stored using the latest industry standards.
Secure Payments via INTERAC
Payments are sent via INTERAC e-Transfer through our secure automated payment system. If your INTERAC requires a password to accept payments, you can find your unique passcode in your Finly account page, otherwise the cash payment will be auto-deposited directly into your bank account.
Helpful Tips
Don't switch devices
Making sure to complete the process in one go without switching devices will help to avoid unforeseen tracking issues.
Avoid cookie or ad blockers
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Read eligibility criteria
It's generally recommended to read and understand the eligibility criteria before you apply for a financial product.
Frequently Asked Questions
A FinlyWealth rebate is a real cash payment you receive when you apply for a financial product (credit card, bank account, or brokerage) through our platform. It's our way of sharing the referral commission we earn with you, directly into your bank account.
Rebates are sent via INTERAC e-Transfer through our secure automated payment system. Make sure to add your INTERAC e-Transfer email to your Finly profile. If your INTERAC requires a password to accept payments, you can find your unique passcode in your Finly account page. Otherwise, the payment will be auto-deposited directly into your bank account.
The timeline varies by institution. Generally, the financial institution reports the transaction to us within 3–7 days after approval. Once we receive confirmation, rebate payments are typically processed within 10 days. You can track your rebate status in your Finly cash back profile.
Yes. We take privacy seriously and collect only minimal information needed for payment processing—simple details like your name and INTERAC e-Transfer email. We never share your data with third parties beyond what's required to process your rebate.
No. Our tracking process relies on browser cookies to attribute your application to your Finly account. Using VPNs, ad blockers, or incognito/private browsing mode can interfere with tracking and may result in your rebate not being recorded. Please disable these before clicking the offer link.
If your rebate hasn’t appeared within the expected timeline shown on this page, you can file a support ticket with our support team through your Finly account. Having your application reference number ready will help us resolve the issue faster.
It is strongly recommended to complete the entire application on one device in one browsing session. Switching devices or closing the browser midway can break the tracking cookie, which may prevent the rebate from being recorded.
Yes! The FinlyWealth rebate is completely separate from and in addition to any welcome bonus, sign-up offer, or promotional incentive offered by the financial institution. You get both.
Ready to get your rebate?
Apply now through FinlyWealth and secure the cash offer.
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Legal:
1 Offer Description and Conditions: The Introductory 2.99% Balance Transfer Rate Offer (the “Offer”) applies only to new Scotia Momentum for business Visa credit card accounts (“Accounts”) that are opened opened between November 1, 2024, and October 31, 2026 (regardless of the date you apply for the Card), subject to the conditions below.
The introductory rate will last for 6 months from the date of Account opening (the “Promotional Period”) and will apply only to eligible cash advances (including balance transfers and cash-like transactions) (collectively “Cash Advances”) made during the Promotional Period. After the Promotional Period, the introductory 2.99% interest rate on any Cash Advances made during the Promotional Period (including any amount of those Cash Advances that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). There is no balance transfer fee applicable to Cash Advances made during the Promotional Period.
This Offer is subject to any available limit for Cash Advances on your Account. This means if a Cash Advance amount(s) requested exceeds your approved credit limit as of the date this Offer was provided to you, it may not be processed. This Offer cannot be used for any Scotiabank account including to transfer a balance from another Scotiabank account, or to make a payment or deposit to another Scotiabank account. Offer may be changed, cancelled, or extended at any time without notice and cannot be combined with any other offers
Losing your promotional rate: If we don’t receive the minimum payment on your Account by the payment due date on your statement, two consecutive times, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances).
How we apply payments: Your payment cannot be applied to the balance(s) of your choice: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. See your credit card agreement for more information about how we apply payments to your Account.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank business credit card in the past 2 years, including those that switch from an existing Scotiabank business credit card, are not eligible for Offer. Subject to the above exclusions, Scotiabank personal credit cardholders are also eligible for the Offer. By accepting this Offer you confirm you meet all Offer requirements. We reserve the right to revoke this Offer at any time if we determine you do not meet the Offer eligibility requirements, including after you have accepted the Offer or been approved for the Account.
Rates and Fees: The current annual fee is $79 for the primary card and $29 for each additional card (including those issued to co-borrowers and supplementary cardholders).
The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on Cash Advances.
All rates, fees, features, and benefits are outlined in the Welcome Kit you will receive if approved and are subject to change.
2 3% CASH BACK EARN RATE: You will earn 3% Cash Back on eligible purchases on your account at gas stations, electrical vehicle (EV) charging, restaurants, office supply stores, and on recurring bill payments. 3% Cash Back applies at merchants that are classified in the payment network associated with your account as: service stations (with or without ancillary services) and automated fuel dispensers; restaurants, fast food restaurants and bars; stationery and office supply stores; and recurring payments (Merchant Classification Codes (“MCC”): 5541, 5552 & 5542; 5812, 5813 & 5814; and 5111 & 5943). Recurring payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your account. Recurring payments typically include telecommunication, insurance, memberships, and subscription-based purchases. Not all merchants offer recurring payments. Please contact your merchant to confirm whether they offer recurring credit card payments. 2% CASH BACK EARN RATE: You will earn 2% Cash Back on eligible purchases on your account for shipping and accounting or bookkeeping services. 2% Cash Back applies at merchants which are classified in the payment network as shipping (MCC: 4214 and 4215) and accounting or bookkeeping services (MCC 8931). ANNUAL SPEND LIMIT ON 3% AND 2% EARN RATE CATEGORIES (the “Accelerated Earn Rates”): The combined Cash Back that can be earned on eligible purchases under the 3% and 2% earn rate categories (the Accelerated Earn Rates) will be capped at $40,000 in purchases annually. See “ANNUAL SPEND LIMITS” for more information. 1% CASH BACK EARN RATE (the “Regular Earn Rate”): You will earn 1% Cash Back on eligible Purchases made on your Account after you have reached the combined annual spend limit of $40,000 on the 3% and 2% earn categories (the “Overflow”) and on all other eligible Purchases made with the Account. ANNUAL SPEND LIMITS: There are annual limits on the Cash Back you can earn at Accelerated Earn Rates, as outlined in these Cash Back Program Terms (scotiabank.com/ terms/momentumbusiness). These limits are based on purchases posted to your account annually, calculated from the first day of the statement period of the month your account was opened (“Account opening date”). The annual spend limit resets every 12 months from the statement period of the month of your Account opening date. Once you reach the annual spend limit for any Accelerated Earn Rate(s), you will continue to earn Cash Back at the Regular Earn Rate.
3 Account must be open and in good standing to earn and redeem Cash Back. You must have earned a minimum of $25 Cash Back to be able to redeem. Only primary cardholders can redeem. Supplementary cardholders are not eligible to redeem Cash Back. Cash Back will be credited to the primary cardholder’s account within 3- 5 days from the day the redemption request is made. Cash Back will be displayed and available for redemption (after monthly calculation) and posted in the next statement cycle after such calculation has been completed by us. Cash Back will continue to accrue until redemption is made. There is no limit to Cash Back that can be earned. For complete details on how to redeem Cash Back, please see the “Cash Back Program Terms and Conditions” at Scotiabank.com/ terms/momentumbusiness.
5 Visa SavingsEdge is an automated discount program offered by Visa Canada Corporation ('Visa Canada') to eligible businesses and their authorized cardholders that hold an eligible Visa Business card and whose enrolment in the program is accepted by Visa. Under the program, cardholders can receive discounts from participating merchants each time the cardholder uses an enroled Visa Business card to make qualifying purchases of goods or services pursuant to an active discount offered by the merchant and that transaction is processed or submitted through the Visa payment system. Discounts provided will appear as credits on future credit card statements 8-10 weeks after purchase date. Visa Canada, not Scotiabank, is responsible for the Program. For details, visit www.visasavingsedge.ca. The following Scotiabank VISA Business cards are eligible for this program: Scotia Momentum for business Visa* card, Scotia Gold Passport for business Visa* card, ScotiaLine for business Visa* Card and Scotiabank Visa* Business Card.
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.