$300 cash back
†Terms and conditions apply. 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.
°Cardholders with a Scene+ membership who link their Scotia Momentum® Visa Infinite +* Card and their Scene+ account to a Shell Go+ Account can get up to 7 cents per litre in instant fuel discounts, cash back, and Scene+ points value when they purchase eligible fuel with their linked credit card:
Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
Earn 2 cents per Litre in cash back: When you use your Scotia Momentum® Visa Infinite +* Card on Fuel Purchases (All Grades) you will earn 2% cash back on eligible Net Purchases (up to an annual spend limit of $25,000) at Gas Stations (Merchant Category Codes (“MCC”): 5541, 5542). Assumes an average fuel price of at least $1.00/L. “Net Purchases” means eligible new purchases charged and posted on the Account during a statement period less, returns (including credit vouchers), refunds or other credits. Balance Transfers, Cash Advances, Cash-Like Transactions, interest charges, fees, and insurance premiums posted to your Credit Card Account are not eligible to earn cash back. This benefit is subject to the Scotia Momentum® Visa Infinite +* Card cash back Program Terms and Conditions.
Scene+ Members earn up to 2 cents per Litre in Scene+ points Value: Scene+ Members earn 1 Scene+ point for each litre in Fuel Purchases (All Grades) when they present or make available their Scene+ account number or Scene+ membership card at the time of purchase. Plus, Scene+ Members who link their Scene+ account to the Shell Go+ app will automatically earn 1 Scene+ point for each litre of V-Power® gasoline or V-Power® diesel purchased (“Premium Fuel Purchases”). Scene+ points value is based on an average redemption value of $10 for every 1000 Scene+ points redeemed on fuel purchases. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.
Note: Highest value of 7 cents per litre assumes a Premium Fuel Purchase (minimum price of $1.00 per litre) made with your Scotia Momentum® Visa Infinite +* Card linked to a Shell Go+ Account and with your Scene+ account also linked to the Shell Go+ account. Actual value will vary depending on whether or not the credit card is linked, fuel grade purchased, cost of fuel at time of purchase, whether or not you are a Scene+ member, and how you choose to redeem your Scene+ points.
^Limited-time offer: receive an additional instant fuel discount of 3 cents per litre on eligible fuel purchases from October 5, 2026 to December 31, 2026 at participating Shell locations in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba and the Northwest Territories (excluding Shell Flying J locations) when you pay with an eligible Scotiabank card linked to a Shell Go+ Account, up to 1,000 litres of eligible fuel per calendar month per card. Scotiabank may change or end this offer at any time.
$300
First-year value
$300
cash back
$120
Annual fee
First Year Free
Based on the minimum spend required to earn the full welcome bonus.
15% bonus earning on up to $2,000 spend in the first three months
Last updated: September 23, 2026
The Scotia Momentum® Visa Infinite +* Card targets high cash back returns in all the right categories, including groceries and gas. Notably, this card offers a 4% return on groceries and on recurring payments other than rent and tax, as well as a 2% return on gas and transit. This card is well-suited to those looking for a strong cash back card.
The Scotia Momentum® Visa Infinite +* Card is currently offering 15% cash back in the first three months, up to $2,000 in spending. This is equal to $300 in cash back.
The card is also offering a 0% introductory interest rate on balance transfers for the first 12 months.†
The annual fee of $120 is waived for the first year. Supplementary cards cost $50 apiece, which are also waived for the first year as part of the promotion.
The Scotia Momentum® Visa Infinite +* card has a tiered rewards structure, earning higher cash back rates in popular categories:
Scotiabank has also partnered with popular subscription services, including digital streaming services and meal kit deliveries, to classify them as recurring payments. However, other non-recurring entertainment or delivery purchases won't qualify for the 4% rate.
You can earn at an accelerated rate on up to $25,000 spent per year. That is, you have a combined limit of $25,000 on groceries and recurring payments, and a combined limit of $25,000 on gas and transit. If you spend more than these limits, you'll earn 1% on thereafter.
Welcome bonus history is for Members
See how this card’s welcome offers have evolved over time.
†Terms and conditions apply. 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.
°Cardholders with a Scene+ membership who link their Scotia Momentum® Visa Infinite +* Card and their Scene+ account to a Shell Go+ Account can get up to 7 cents per litre in instant fuel discounts, cash back, and Scene+ points value when they purchase eligible fuel with their linked credit card:
Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
Earn 2 cents per Litre in cash back: When you use your Scotia Momentum® Visa Infinite +* Card on Fuel Purchases (All Grades) you will earn 2% cash back on eligible Net Purchases (up to an annual spend limit of $25,000) at Gas Stations (Merchant Category Codes (“MCC”): 5541, 5542). Assumes an average fuel price of at least $1.00/L. “Net Purchases” means eligible new purchases charged and posted on the Account during a statement period less, returns (including credit vouchers), refunds or other credits. Balance Transfers, Cash Advances, Cash-Like Transactions, interest charges, fees, and insurance premiums posted to your Credit Card Account are not eligible to earn cash back. This benefit is subject to the Scotia Momentum® Visa Infinite +* Card cash back Program Terms and Conditions.
Scene+ Members earn up to 2 cents per Litre in Scene+ points Value: Scene+ Members earn 1 Scene+ point for each litre in Fuel Purchases (All Grades) when they present or make available their Scene+ account number or Scene+ membership card at the time of purchase. Plus, Scene+ Members who link their Scene+ account to the Shell Go+ app will automatically earn 1 Scene+ point for each litre of V-Power® gasoline or V-Power® diesel purchased (“Premium Fuel Purchases”). Scene+ points value is based on an average redemption value of $10 for every 1000 Scene+ points redeemed on fuel purchases. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.
Note: Highest value of 7 cents per litre assumes a Premium Fuel Purchase (minimum price of $1.00 per litre) made with your Scotia Momentum® Visa Infinite +* Card linked to a Shell Go+ Account and with your Scene+ account also linked to the Shell Go+ account. Actual value will vary depending on whether or not the credit card is linked, fuel grade purchased, cost of fuel at time of purchase, whether or not you are a Scene+ member, and how you choose to redeem your Scene+ points.
^Limited-time offer: receive an additional instant fuel discount of 3 cents per litre on eligible fuel purchases from October 5, 2026 to December 31, 2026 at participating Shell locations in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba and the Northwest Territories (excluding Shell Flying J locations) when you pay with an eligible Scotiabank card linked to a Shell Go+ Account, up to 1,000 litres of eligible fuel per calendar month per card. Scotiabank may change or end this offer at any time.
$300 cash back
†Terms and conditions apply. 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.
°Cardholders with a Scene+ membership who link their Scotia Momentum® Visa Infinite +* Card and their Scene+ account to a Shell Go+ Account can get up to 7 cents per litre in instant fuel discounts, cash back, and Scene+ points value when they purchase eligible fuel with their linked credit card:
Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
Earn 2 cents per Litre in cash back: When you use your Scotia Momentum® Visa Infinite +* Card on Fuel Purchases (All Grades) you will earn 2% cash back on eligible Net Purchases (up to an annual spend limit of $25,000) at Gas Stations (Merchant Category Codes (“MCC”): 5541, 5542). Assumes an average fuel price of at least $1.00/L. “Net Purchases” means eligible new purchases charged and posted on the Account during a statement period less, returns (including credit vouchers), refunds or other credits. Balance Transfers, Cash Advances, Cash-Like Transactions, interest charges, fees, and insurance premiums posted to your Credit Card Account are not eligible to earn cash back. This benefit is subject to the Scotia Momentum® Visa Infinite +* Card cash back Program Terms and Conditions.
Scene+ Members earn up to 2 cents per Litre in Scene+ points Value: Scene+ Members earn 1 Scene+ point for each litre in Fuel Purchases (All Grades) when they present or make available their Scene+ account number or Scene+ membership card at the time of purchase. Plus, Scene+ Members who link their Scene+ account to the Shell Go+ app will automatically earn 1 Scene+ point for each litre of V-Power® gasoline or V-Power® diesel purchased (“Premium Fuel Purchases”). Scene+ points value is based on an average redemption value of $10 for every 1000 Scene+ points redeemed on fuel purchases. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.
Note: Highest value of 7 cents per litre assumes a Premium Fuel Purchase (minimum price of $1.00 per litre) made with your Scotia Momentum® Visa Infinite +* Card linked to a Shell Go+ Account and with your Scene+ account also linked to the Shell Go+ account. Actual value will vary depending on whether or not the credit card is linked, fuel grade purchased, cost of fuel at time of purchase, whether or not you are a Scene+ member, and how you choose to redeem your Scene+ points.
^Limited-time offer: receive an additional instant fuel discount of 3 cents per litre on eligible fuel purchases from October 5, 2026 to December 31, 2026 at participating Shell locations in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba and the Northwest Territories (excluding Shell Flying J locations) when you pay with an eligible Scotiabank card linked to a Shell Go+ Account, up to 1,000 litres of eligible fuel per calendar month per card. Scotiabank may change or end this offer at any time.
Offer ends November 1, 2026
Groceries & Bills
(up to $25,000/year, 1% after)
Gas, Transit, EV Charging & Food Delivery
(up to $25,000/year, 1% after)
Everything Else
With the Cash Back Anytime feature, 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. This means you no longer have to wait for an annual payout in November.
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 five months after your account open date.
For example, if you buy groceries during the welcome bonus period, you'd earn 4% regular cash back that can be redeemed once you reach the $25 threshold, plus 11% bonus cash back that becomes available for redemption about five months after you open the account, for a total welcome bonus rate of 15%.Scotia Momentum® Visa Infinite +* cardholders can save up to 25% on car rentals at participating Avis and Budget locations in Canada and the US.
The card also comes with all of the usual Visa Infinite benefits, including Concierge service, the Luxury Hotel Collection, and the Dining and Wine Country program.The Scotia Momentum® Visa Infinite +* card comes with strong insurance benefits. Coverage includes:
Emergency medical insurance of up to $1 million for you, your spouse, and dependent children on unexpected medical illness or injury when travelling out-of-province for 15 days
Trip cancellation and interruption insurance of up to $1,500 and $2,000 per person, respectively
Flight delay insurance for delays of more than four hours, up to $500 per person
Rental car collision or damage insurance, which can help you save on the insurance fees usually charged by car rental companies for vehicles with a MSRP of up to $65,000
Plus, on the purchase protection side, you’ll get a 90-day protection period against damage, loss, or theft for most new items. In addition, you also get extended warranty of up to one year.
35,000 Scene+ points
Last updated: September 23, 2026
