Scotia Momentum Visa Infinite Card Review 2025: Is It Worth It?
The Scotia Momentum® Visa Infinite* Card is a cash-back credit card that offers a generous cash back rate on groceries and a few travel rewards, such as insurance coverage and access to exclusive hotel perks.
Your cash back rewards can be deposited into an eligible Scotiabank Canadian dollar personal chequing or savings account, or redeemed as a statement credit.
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Scotia Momentum Visa Infinite Card full review
Even though the Scotia Momentum Visa Infinite Card offers some pretty sweet travel perks, you don’t need to be a frequent traveller to make use of it. The card’s generous cash-back earning potential on everyday purchases like groceries, gas and daily transit should help you maximize its value.
Complimentary breakfast and Wi-Fi, and late checkout privileges at over 900 Visa Infinite Luxury Hotel Collection hotels worldwide. Plus automatic room upgrades (when available).
Exclusive access to culinary events through Visa Infinite Dining Series.
Complimentary tastings and discounted deliveries from select wineries in Ontario and British Columbia provided by Visa Infinite Wine Country.
Complimentary 24/7 concierge service, which can help you arrange your next vacation or special gift purchase.
A comprehensive suite of insurance coverage, such as emergency medical, travel accident, flight delay, delayed and lost baggage, trip cancellation, trip interruption and rental car coverage.
Savings on car rentals at participating Avis and Budget locations in Canada and the U.S.
Up to $1,000 in mobile device insurance for new cell phones, smartphones, or tablets purchased with the card.
Cash back earned on this card will only be paid out once a year, so it won't be available immediately and can’t go towards reducing your monthly balance, for example.
No flight-related benefits, like free checked bags, priority boarding or airport lounge access.
Minimum income requirements of $60,000 for individuals, $100,000 for households, or $250,000 in assets under management may deter some users.
Who should get the Scotia Momentum Visa Infinite Card?
With a 4% earn rate on groceries and 2% on gas and transit purchases, the Scotia Momentum Visa Infinite Card will be most valuable for frequent drivers and larger households with steep grocery bills. Similarly, it may be a good fit for people who prefer to use their credit card to pay monthly recurring bills, like subscriptions to streaming services, utility bills and gym memberships, which all earn 4% cash back as well.
This Card may also please Canadians who like to elevate their travelling adventures with premium hotel perks and exclusive experiences.
Is Scotia Momentum Visa Infinite Card worth it?
It shouldn’t be difficult to get your money’s worth out of the Scotia Momentum Visa Infinite Card.
You can earn up to $200 in cash back by taking advantage of the current welcome offer. Plus, the $120 annual fee is waived for the first year for new cardholders and each additional card, which boosts the total value to at least $320.
Without the welcome offer, you’d need to spend $3,000 on groceries and recurring payments per year ($250 per month) to earn $120 cash back, enough to offset the annual fee.
Scotiabank customer ratings
Below average in customer satisfaction: Scotiabank ranks 8th out of 14 issuers in J.D. Power’s 2025 Canada Credit Card Satisfaction Study. The Scotia Momentum Visa Infinite Card fared better, ranking fifth overall on the annual fee credit card survey list.
Low Trustpilot rating: Scotiabank scored 1.2 out of 5 possible stars based on over 1,300 customer reviews, as of this writing.
Low Better Business Bureau rating: 1.2 out of 5 possible stars based on almost 70 customer reviews, as of this writing.
Scotia Momentum Visa Infinite Card eligibility
Who qualifies for the Scotia Momentum Visa Infinite Card?
To qualify for the Scotia Momentum Visa Infinite Card, you must:
Be a Canadian resident.
Be the age of majority in the province or territory where you live.
Not have declared bankruptcy in the past seven years.
Meet one of the minimum income requirements:
$60,000 in individual income
$100,000 in household income, or
$250,000 in assets under management.
Approximate credit score needed for approval
Canadian credit card issuers rarely disclose required credit scores, which makes it hard to know your chances of approval when comparing credit cards. However, higher scores generally mean better chances of approval, and that’s true regardless of the type of credit you’re applying for.
Want to learn more? Visit our “What Credit Score is Needed for a Credit Card?” page.
Scotia Momentum Visa Infinite Card rewards
Earn 10% cash back in the first three months of card ownership, up to a total spend of $2,000. Plus, pay no annual fee in the first year — even on additional cards.
Offer expires October 31, 2025.
Earn 4% cash back on groceries, recurring bills and subscriptions.
Earn 2% cash back on gas and other transit purchases.
Earn 1% cash back on everything else.
After you reach an annual spending limit of $25,000, the 4% and 2% earn rates drop to 1%.
You could earn roughly $370 in value by taking advantage of Scotia Momentum Visa Infinite Card’s introductory welcome offers in the first year:
10% cash back on all purchases in the first three months, up to a maximum of $2,000 spent, for $200 cash back.
Savings from the annual fee rebate on the primary card in the first year equals $120. Additional cards, such as for a partner, are also free for the first year — a $50 savings for each card.
Point value breakdown
One percent cash back is equal to $0.01. So, for each dollar you spend that’s eligible for cash back with the Scotia Momentum Visa Infinite credit card, you’ll earn $0.01.
If you take advantage of the Scotia Momentum Visa Infinite’s 2% and 4% bonus categories, you’ll earn $0.02 and $0.04 per dollar spent.
Scotia Momentum Visa Infinite Card vs BMO CashBack World Elite Mastercard
Rewards breakdown
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NerdWallet's take
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Card detailsReasons you might want a different card
If you’re looking for a card with higher cash-back rates on travel-specific purchases, or prefer travel benefits that include flying and airport perks, you may want to consider another card.
Scotia Momentum Visa Infinite Card facts
Scotia Momentum Visa Infinite Card | |
|---|---|
Card type | |
Fees and interest rates | |
Annual fee | $120.00 |
Regular/purchase APR | 20.99%. |
Penalty APR | 25.99% (27.99% on cash advances) if you miss two payments within 12 months. This penalty APR will stay in place until you’ve made 12 consecutive payments on time. |
Cash advance APR | 22.99%. |
Cash advance fee | $5 to $7.50 per transaction, depending on where the transaction takes place. |
Balance transfer APR | 22.99%. |
Balance transfer fee | $5.00 (3% or $5 on promotional offers). |
Foreign transaction fee | 2.5% of the transaction amount. |
Rewards and benefits | |
Intro offer | In the first three months of card use, the Scotia Momentum Visa Infinite Card offers 10% cashback on all purchases, up to a maximum spend of $2,000. Plus, pay no annual fee in the first year, including on additional cards. |
Reward earn rates | 4% cash back on eligible grocery store purchases, subscriptions and recurring bill payments. 2% cash back on gas and daily transit purchases, such as buses, taxis, trains and rideshare services. 1% cash back on all other purchases. |
Other perks |
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Insurance coverage | |
Travel accident | Up to $500,000 per covered person and $1 million per event. |
Travel medical | Up to $1 million per insured person under age 65 per trip. |
Flight delay | Up to $500 per insured person. |
Delayed and lost baggage | Up to $500 for all insured persons on a trip. |
Trip cancellation/interruption | Up to $1,500 per insured person (includes cardholder, spouse and dependent children) for trip cancellations with a maximum of $10,000 per trip, and up to $2,000 per insured person for trip interruptions with a maximum of $10,000 per trip. |
Rental car theft/damage | For up to 48 days. |
Extended warranty | Doubles manufacturer’s warranty up to one additional year. |
Purchase Protection | 90 days. |
Mobile Device Protection | Up to $1,000 of mobile device protection in case of loss, theft, accidental damage or mechanical issues. Conditions apply. |
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