Scotia Momentum No-Fee Visa Card

Card Details & Scotiabank Cash Back Calculator
1% Gas Station
1% Grocery
1% Drug Store
1% Recurring Bill Payments
0.5% Everything Else
Avis & Budget Discounts

Calculate how much cash back you can earn with the Scotia Momentum No-Fee Visa Card based on your spend and compare against other top cash back cards.

Bonus Categories

The Scotia Momentum No-Fee Visa Card has 4 bonus categories which are gas station, grocery store, drug store, and recurring bill payments. There's no spend cap on any of these bonus categories and no limit to the amount of cash back you can earn with the card overall

  • 1% Gas Station
  • 1% Grocery/Supermarket
  • 1% Drug Stores
  • 1% Recurring Bill Payments
    • Includes bill payments such as insurance premiums, utilities, gym memberships, popular video or music streaming services, meal kit delivery, lifestyle boxes, and more.
  • 0.5% Everything Else

Perks & Benefits

The only benefit offered on the Scotia Momentum No-Fee Visa Card is the savings you'll get with Avis and Budget.

  • Avis & Budget Discounts
    • Save up to 25% off base rates at Avis and Budget locations in Canada and the U.S. when pay with your card.

Sign Up Bonus (SUB)

The sign up bonus for the Scotia Momentum No-Fee Visa Card is a low introductory rate on purchases for the first 6 months.

Fees & Income Requirements

Annual Fee

The Scotia Momentum No-Fee Visa Card does not have an annual fee as stated in the card's name.

Authorized User Fee

There is no fee to add supplementary cards to the Scotia Momentum No-Fee Visa Card.

Foreign Transaction Fee

The Scotia Momentum No-Fee Visa Card has a foreign currency conversion fee of 2.5%.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.

Rakuten Rewards

Earn additional cash back when booking travel and shopping online using Rakuten. It's an easy way to double and triple dip on rewards. Sign up for free through The Point Calculator to earn bonus cash back and to help out the site!
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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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