Scotia Momentum Visa Infinite Card

Card Details & Scotiabank Cash Back Calculator
4% Groceries
4% Recurring Payments
2% Gas Station
2% Transit
1% Non-Category
Visa Infinite Benefits
Avis & Budget Discounts
Travel & Purchase Protections

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

Bonus Categories

The Scotiabank Momentum Visa Infinite Card has four bonus categories which is grocery, recurring bill payments, gas, and transit. The grocery and recurring bill payments share a combined spend cap of $25,000 per year and the gas and daily transit shares a combined spend cap of $25,000 per year. Once the cap is hit, you'll earn at the non-category rate for the remainder of the year. There's no limit to the amount of cash back you can earn with the card overall.

  • 4% Grocery/Supermarket
  • 4% Recurring Payments
    • Includes bill payments such as insurance premiums, utilities, gym memberships, popular video or music streaming services, meal kit delivery, lifestyle boxes, and more.
  • 2% Gas Station
  • 2% Daily Transit
  • 1% Non-Category

Perks & Benefits

The Scotiabank Momentum Visa Infinite Card comes with Visa Infinite benefits and great travel 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.
  • Visa Infinite Benefits
    • Visa Infinite Concierge Service
    • Visa Infinite Hotel Collection
    • Visa Infinite Dining and Wine Country Program
  • Travel and Purchase Protections
    • Trip Cancellation and Trip Interruption Insurance
    • Travel Emergency Medical Insurance
    • Flight Delay Insurance
    • Delayed and Lost Baggage Insurance
    • Travel Accident Insurance
    • Rental Car Collision Loss/Damage Insurance
    • Purchase Security
    • Extended Warranty Protection
    • New Mobile Device Insurance

Sign Up Bonus (SUB)

The Scotiabank Momentum Visa Infinite sign up bonus is the waived annual fee and supplementary cards fee the first year. This bonus ends November 1, 2020.

Fees & Income Requirements

Annual Fee

The annual fee for the Scotiabank Momentum Visa Infinite Card is $120 per year.

Authorized User Fee

The fee to add supplementary cards to the Scotiabank Momentum Visa Infinite Card is $50 per year, per card.

Foreign Transaction Fee

The Scotiabank Momentum Visa Infinite 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.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
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.
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.
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.

Recommended Reads