Scotia Momentum No-Fee Visa Card

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Review the benefits of the Scotia Momentum No-Fee Visa and estimate your cash back earnings based on your monthly and yearly spend.
Last Updated 2022-06-11

The Scotia Momentum No-Fee Visa Card earns 1% cash back on gas, grocery, drugstore, and recurring bill payments and 0.5% cash back on everything else. The card offers discounts on rentals with Avis and Budget and has no annual fee.

Card Details At-A-Glance

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Issued By
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Annual Fee
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Foreign Transaction Fee
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Scotia Momentum No-Fee Visa earning rates

1% Gas Station

The Scotia Momentum No-Fee Visa Card earns 1% cash back on gas station purchases.

1% Grocery

The Scotia Momentum No-Fee Visa Card earns 1% cash back on grocery store and supermarket purchases.

1% Drugstore

The Scotia Momentum No-Fee Visa Card earns 1% cash back on drugstore and pharmacy purchases.

1% Recurring Bill Payments

The Scotia Momentum No-Fee Visa Card earns 1% cash back on recurring bill payments made to the card. Recurring payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your Scotia Momentum No-Fee Visa card.

This will typically fall under telecommunication, insurance, membership, and subscriptions purchases.

0.5% Everything Else

All other purchases on the Scotia Momentum No-Fee Visa Card earns 0.5% cash back.

Scotia Momentum No-Fee Visa benefits

Avis and Budget Discounts

As a Scotiabank cardholder, you will save up to 25% off base rates at participating Avis and Budget locations in Canada and the U.S. when you pay with your Scotiabank credit card.

When booking through avis.com use Avis Worldwide Discount (AWD) number C231400 and when booking through budget.com use Budget Corporate Discount (BCD) number A363306.

Scotia cash back calculator

Input your monthly and yearly spend amounts to estimate your earnings with the Scotia Momentum No-Fee Visa card. Compare the results side by side up to 2 credit cards to find out which cards are best for you.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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