Scotia Momentum^® No-Fee Visa^* Card

The Scotia Momentum® No-Fee Visa* Card is a great option for balance transfers.^†

If you're approved for the Scotia Momentum® No-Fee Visa* Card by April 30, 2026, 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.

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, EV charging, grocery stores, drug stores purchases, and recurring payments^†
• Earn 0.5% cash back on all other eligible purchases^†

Cash back can be redeemed to your account at any time, as long as you’ve accumulated at least $25 and your account is open and in good standing.

The welcome bonus cash back is awarded separately from your regular rewards. Your regular cash back posts as usual on each statement, while the bonus portion becomes available for redemption approximately four months after your account open date.

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.^†