Rewards
Base earn rate1% cash back on all other purchases
Welcome bonusEarn 15% 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 12 months. And no annual fee in the first year, including on additional cards.
Rewards typecashback
Fees & rates
Annual fee$120
Additional card$50
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Get up to 7/L in value on fuel purchases at Shell stations when you link your Scotia Momentum Visa Infinite + Card to a Shell Go+ Account
up to 7/L
💳
Complimentary 10GB of GigSky global mobile data for 15 consecutive days every year, plus unlimited access to Travel Essentials by GigSky for select essential travel apps
💳
One complimentary 1GB/15 Day GigSky global mobile data plan each year, plus 20% off future GigSky purchases
🎩
World-class concierge services available 24 hours a day, 7 days a week for help with travel, dining, or events
⭐
Explore the Visa Infinite Hotel Collection with best available room rates, automatic room upgrades when available, and free Wi-Fi in room
⭐
Exclusive culinary experiences with Visa Infinite Dining and Wine Country program featuring multi-course meals with expertly paired wines
⭐
Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the US
up to 25%
⭐
Buy now and pay over time with Scotia SelectPay - flexible payment on 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
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
up to $1,000,000 CAD
🛡️
trip cancellation
up to $1,500 per person
🛡️
trip interruption
up to $2,000 in travel expenses per person, maximum $10,000 per trip
🛡️
flight delay
up to $500 per insured person
🛡️
baggage delay
up to $500
🛡️
baggage loss
up to $500
Eligibility
Minimum personal income$60,000
Credit score guidanceGood (660+)
ResidencyCanadian resident