0% interest rate on balance transfers† 
$0† The Scotia Momentum® No-Fee Visa* Card is a great option for balance transfers.†
Bonuses & Fees
If you’re approved for the Scotia Momentum® No-Fee Visa* Card by October 31, 2024, you can enjoy a promotional 0% annual interest rate† on balance transfers made in the first six months,† with a 2% balance transfer fee.†
If you’re not using this card for balance transfers, you can also earn 5% cash back on up to $2,000 in eligible purchases† in the first three months,† which is worth up to $100.†
This card has no annual fee.
Earning Rewards
With the Scotia Momentum® No-Fee Visa* Card, you’ll earn the following cash back rates:
- Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases, and recurring payments†
- Earn 0.5% cash back on all other eligible purchases†
Perks & Benefits
The primary benefit of this card is its promotional balance transfer rate.
You can also save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S. when you pay with your Scotia Momentum No-Fee Visa card.†
Insurance
This card does not come with included insurance coverage; however, you can opt-in to the following insurance bundles:†
- Basic Protection: Life Benefit, Critical Illness Benefit, Hospitalization Benefit†
- Comprehensive Protection: Life Benefit, Critical Illness Benefit, Hospitalization Benefit, Disability Benefit, Job Loss Benefit, Strike or Lockout Benefit†