Scotia Momentum Visa Infinite Card

Benefits & Cash Back Calculator
Review the benefits of the Scotia Momentum Visa Infinite Card and calculate how much you can earn based on the spend amounts you enter.
Last Updated 2022-06-11

The Scotia Momentum Visa Infinite Card is the highest earning cash back credit card Scotiabank offers. It earns 4% back on up to $25,000 in annual combined spend between grocery and recurring bill payments and 2% back on up to $25,000 in annual combined spend between gas and daily transit purchases.

The card offers the standard Scotiabank savings on rentals with Avis and Budget as well as Visa Infinite Benefits and travel & shopping insurance.

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 Visa Infinite earning rates

The 4% categories share a combined spend cap of $25,000 per year and the 2% categories share a combined spend cap of $25,000 per year. Once a cap is hit, those categories will earn at the normal rate of 1% for the remainder of the year.

4% Grocery

The Scotia Momentum Visa Infinite Card earns 4% cash back on grocery store and supermarket purchases.

4% Recurring Bill Payments

The Scotia Momentum Visa Infinite Card earns 4% 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 Visa Infinite card.

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

2% Gas Station

The Scotia Momentum Visa Infinite Card earns 2% cash back on gas station purchases.

2% Daily Transit

The Scotia Momentum Visa Infinite Card earns 2% cash back on daily transit purchases.

1% Everything Else

All other purchases on the Scotia Momentum Visa Infinite Card earns 1% cash back.

Scotia Momentum Visa Infinite 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.

Visa Infinite Benefits

As a Scotia Visa Infinite cardholder, you will receive the following benefits:

  • Visa Infinite Luxury Hotel Collection - room upgrades, complimentary WiFi and breakfast, late checkout and more at 900+ properties around the world
  • Visa Infinite Dining - access to exciting culinary experiences from some of the finest restaurants across Canada
  • Visa Infinite Wine Country - enjoy complimentary tastings and discounted wine deliveries from select wineries in Ontario and British Columbia
  • Visa Infinite Concierge - get help planning the perfect travel itinerary, birthday, or your next great idea

Travel & Shopping Insurance

Scotia cash back calculator

Input your monthly and yearly spend amounts to estimate your earnings with the Scotia Momentum Visa Infinite card. Compare the results side by side up to two 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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