Working hard in the background...
Scotia Momentum® No-Fee Visa* Card
$50
Scotia Momentum No-Fee
Credit Card · Apply through Finly
Cash back
$50
Finly rebate
$50
Get $50 rebate** + 5% Cash back (up to $2,000 in purchases) on the Scotia Momentum® No-Fee Visa* Card
Apply through Finly. Get approved by the financial institution. We e-Transfer your rebate via Interac, no points or portals required.
Paid via INTERAC e-Transfer
Secure & private
$561,000+ paid out to Canadians
Read before you apply
Rebate eligibility & offer terms
These rules determine whether you qualify for the Finly rebate on this offer. Skim them before clicking apply.
* / ** Terms and conditions apply.
Subject to Approval. Read more on Scotiabank's website. For new card holders only.
The card
Why Scotia Momentum No-Fee?
Issued by Scotiabank. Apply through Finly to earn an extra cash rebate on top of every reward this card offers.
How to earn the welcome bonus
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (2% fee per cash advance, 22.99% after that; annual fee $0)
Offer valid from October 31, 2025 - March 1, 2026
Earns rewards on
0.5% - 1%
Dining
Groceries
Transit
Subscriptions
Pharmacy
Gas
- 1% cash back on gas, groceries, drug store, transit, rideshare, food delivery and recurring payments
- 0.5% cash back on all other credit card purchases (unlimited)
Fees & rates
Annual fee
$0
Purchase interest
19.99%
Cash advance interest
22.99%
Foreign transaction
2.5%
Additional cards
$0
Min personal income
$12,000
Credit recommended
Good
Built-in perks & coverage
Car Rental Discount
Ready when you are
$50 is yours when you apply through Finly.
We e-Transfer your rebate via Interac after the financial institution confirms your sign-up. No portals, no points — just real cash.
How you get paid
From offer to bank deposit
The financial institution approves your application — we handle the rest. No claims to file, no portals to log into.
01
Sign in to Finly
Create an account or sign in. Add your Interac e-Transfer email so we can pay you out.
02
Click the offer
We track your application via your Finly account — no codes needed. Don't switch devices or use ad-blockers.
03
Apply with the financial institution
Complete the financial institution's application as usual on their site. Get approved on their schedule.
04
Wait for verification
The institution reports your sign-up to us within a few days to a few weeks. We'll email you when it's confirmed.
05
Get paid via Interac
Once verified, we e-Transfer your rebate within 10 days. The cash lands directly in your bank account.
FAQ
Common questions, answered.
Still unsure? Reach out to support after signing up — we'll get back to you within a couple of business days.
Yes. The Finly rebate stacks with whatever sign-up offer or welcome bonus the institution provides. You get both.
Rebates are sent via Interac e-Transfer to the email on your Finly profile. Once your sign-up is verified, payments are typically processed within 10 days.
The financial institution reports the transaction back to us within a few days to a few weeks, depending on their reporting cadence. You can track the status from your Finly account.
Switching devices mid-application, using a VPN, ad blocker, or incognito mode can break our tracking cookies. Complete the application on a single device in one session for a smooth experience.
No — Finly rebates apply only to brand-new sign-ups. If the financial institution flags you as an existing customer for that product, the rebate won't apply.
Many premium credit cards require a minimum personal or household income. The required income (if any) is shown in the fees & rates panel above. The financial institution makes the final approval decision.
Each card targets a different credit profile. The recommended credit category is shown above. A higher score generally improves your odds of approval.
What Our Members Say
Real reviews from real users. See our full list of reviews on Trustpilot
Legal & disclosures
Disclosures from the issuing institution. Always confirm product terms directly with the issuer before applying.
Product legal content
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.