$300 cash back
Apply Now†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.
$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
Offer ends November 1, 2026
Groceries & Bills
(up to $25,000/year, 1x after)
Gas & Transit
Everything Else
Last updated: February 5, 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 all recurring payments and groceries, 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 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.
†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.
$300 cash back
Apply Now†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.
Last updated: February 5, 2026
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 four 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 four 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.
80,000 Scene+ points
