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A CashBack credit card should be a mainstay of every wallet, they are extremely lucrative if aligned well with household purchasing habits. In Canada, no other card offers cashback benefits better than the Scotia Momentum Visa Infinite card – now with a special offer to earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases), and no annual fee on primary and supplementary cards in the first-year, this card comes with $370 in value right off the back. The ‘no annual fee in the first year’ perk is available until Nov 1, 2020

Scotia Momentum Visa Infinite card – Apply Now

Scotia Momentum Visa Infinite


  • Qualification requirement: annual income of $60,000 or household income of $100,000
  • Annual Fee: $120 
  • Earning Rate:
    • 4% on Groceries (incl. Supermarket), Recurring Bills, and Subscription payments ($25k annual limit)
    • 2% on Gas, Daily Transit ($25k annual limit)
    • 1% on all other eligible everyday purchases
Scotia Momentum Visa Infinite

Earn Rates: Scotia Momentum Visa Infinite Card

  • Insurance Coverage:
    • Travel Emergency medical coverage for persons under 65
    • Trip Interruption
    • Trip Cancellation
    • Flight Delay
    • Delayed or Lost Luggage
    • Rental Car Collision/Lost Damage
    • Extended Warranty
    • Purchase Security
    • Mobile Device Insurance

Detailed list of benefits and perks of the card are listed here

Personal Reflections

The Scotia Momentum Visa Infinite cash back program is an annual program, where the amount earned under the Cash Back Bonus Rate is credited within 7 months from the account open date. And regular Cash Back accumulates each month, and is awarded at the end of each 12 month period directly (November) into an Eligible Account or as a credit on the statement.

It’s important to note that each of the earn rate categories have a $25,000 yearly limit. Assuming a monthly spend of $1,000 on grocery alone, this card would earn $200 in the first two months (10% cashback) and $400 in remaining ten months (4% cashback), for a yearly cashback of $600. Add to that a 2% cashback on Gas and Transit, no-annual fee on primary and supplementary cards, the annual value is easily $800 or more.

This premium cashback card is a must have for any Canadian wallet, and the special offer to earn 10% cash back on all purchases for first three months, is available until Nov 1, 2020.


Title Image Source: Scotiabank