Scotia Momentum Visa Card Calculator

Card Details & Scotiabank Cash Back Calculator
2% Gas Station
2% Grocery
2% Drug Store
2% Recurring Bill Payments
1% Non-Category
Avis & Budget Discounts
Purchase Protections

Calculate how much cash back you can earn with the Scotia Momentum Visa Card based on your spend and compare the results side by side top rewards cards.


Bonus Categories

The Scotia Momentum Visa Card has four bonus categories which are gas station, grocery, drug store, and recurring bill payments. There's a combined spend cap across all categories of $25,000 per year. Once you hit that cap, you'll earn at the non-category rate for all four categories. There's no limit to the amount of cash back you can earn with the card overall.

  • 2% Gas Station
  • 2% Grocery/Supermarket
  • 2% Drug Stores
  • 2% 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.
  • 1% Non-Category

Perks & Benefits

The Scotia Momentum Visa Card comes with a few small benefits such as car rental discounts and purchase protections.

  • 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.
  • Purchase Protections
    • Purchase Security
    • Extended Warranty Protection

Sign Up Bonus (SUB)

The standard sign up bonus for the Scotia Momentum Visa Card is an introductory interest rate on balance transfers.

Fees & Income Requirements

Annual Fee

The annual fee for the Scotia Momentum Visa Card is $39.

Authorized User Fee

The Scotia Momentum Visa Card has a supplementary card fee of $15 per card.

Foreign Transaction Fee

The foreign conversion fee for the Scotia Momentum Visa Card is 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.
Compare A Card
Edit Card Options
Compare A Card
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Search for credit cards by name, rewards program, or rewards currency.
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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.
Categories
Order
Options
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.
Type at least 3 characters.
Currently Selected:
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.
$0
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.
$0
Total Return
The percent you are earning based on spend, earnings, and fees.

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