Rewards
Base earn rate1% cash back on all other eligible purchases
Welcome bonusNone
Rewards typecashback
Fees & rates
Annual fee$49
Additional card$15
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Get up to 7 cents per litre in value on fuel purchases at Shell stations when you link your Scotia Momentum Visa Card (for students) and Scene+ account to a Shell Go+ Account
up to 7/L
⭐
Save up to 25% off base rates at participating Avis and Budget car rental locations in Canada and the US
up to 25% off base rates
⭐
Scotia SelectPay - flexible installment payment plans for eligible purchases of $100 or more with low interest rates and no installment plan fee
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
original purchase price (lesser of repair or replacement costs)
🛡️
extended warranty
up to one year extension of original manufacturer warranty
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident