$200 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.
$220
First-year value
$200
cash back
$120
Annual fee
First Year Free
Based on the minimum spend required to earn the full welcome bonus.
(up to $25,000/year, 1x after)
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.
| Tier | Amount | Requirement |
|---|---|---|
| Bonus earn rate | $200 | in 3 months |
Annual Fee
$120
First Year
Free
Additional Card
$50/year
First year free
A modest welcome offer that won't tip the scales on its own – treat the first year as a no-risk trial to see if your grocery and recurring bill spend can justify the fee that follows. Most households need at least $12,000 in combined bonus-category purchases annually just to break even.
If you're not confident you'll clear that threshold, start with a no-fee cash back card instead. The waiver buys you time to assess fit, but don't let inertia carry you into year two without running the numbers.
| Category | Rate | Cap | After Cap |
|---|---|---|---|
| Groceries | 4% | $25,000/year | 1% |
| Bills | 4% | $25,000/year | 1% |
| Gas | 2% | — | — |
| Transit | 2% | — | — |
| Everything Else | 1% | — | — |
One of this card's unique features is that it offers quite a high return on recurring payments. This includes any pre-authorized payments to a biller, such as a utility company. The card also earns 2% cash back on gas, transit, and food delivery.
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.
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 6% bonus cash back that becomes available for redemption about four months after you open the account, for a total welcome bonus rate of 10%.
First year free
Annual fee waived in the first year.
First Year FreeCar rental discounts
Discounts on car rentals through partner programs.
StatusThe first-year fee waiver gives you 12 months to test-drive the earning rates without any upfront cost – worth claiming even if you're unsure about keeping it long-term. Beyond that, car rental discounts through Visa Infinite (typically 10–20% off with Avis, Budget, Enterprise) are quietly useful for road trips, and the included collision coverage saves you $15–30 per day at the rental counter.
As a Visa Infinite card, you also get access to the Visa Infinite Concierge service, the Luxury Hotel Collection, and the Dining and Wine Country program.
Underwritten by Manulife and First North American Insurance Company (FNAIC)
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | $1,000,000 | 15 days · not covered (65+) · Cardmember under 65 years and/or Spouse under 65 years who is a resident of Canada and covered by a GHIP, and eligible Dependent Children |
| Trip Cancellation | $1,500 | $10,000/trip · charge required · Policy covers excess cost over and above travel rewards provided by reward or frequent flyer plans; does not cover value of loss of rewards or frequent flyer points |
| Trip Interruption | $2,000/person | $10,000/trip · charge required |
| Trip Delay | $500 | 4-hour minimum · Necessary and reasonable expenses for hotel accommodations, restaurant meals, refreshments, Essential Items and sundry items within 48 hours of scheduled departure |
| Baggage Delay | $500 | 4-hour minimum |
| Baggage Loss | —/person | $500 total |
| Rental Car | Included | Primary CDW · MSRP ≤ $65,000 · up to 48 days |
| Travel Accident | $1,000,000 | — |
| Purchase Protection | $60,000/year | 90-day coverage |
| Extended Warranty | +1 year | — |
| Mobile Device | Included | $1,000/claim |
Pre-Existing Conditions
180-day stability period required (365 days for 65+)
View Certificate of Insurance (PDF)
The 180-day pre-existing condition stability period is genuinely rare on a cash-back card – most competitors cap it at 90 days or exclude chronic conditions entirely, making this a standout choice for older travellers or anyone managing hypertension, diabetes, or similar conditions who'd otherwise pay steep premiums for standalone coverage.
Trip cancellation and interruption limits won't cover a family's international airfare or resort booking, so treat this as partial protection rather than full coverage. The primary rental car insurance is the real differentiator – you can confidently decline the counter upsell for vehicles under $65,000, unlike secondary-only competitors.
†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.
40,000 Scene+ points
60,000 Scene+ points
80,000 Scene+ points
100,000 Scene+ points
45,000 Scene+ points
$200 cash back
10,000 Scene+ points
5,000 Scene+ points
$200 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
