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The Scotia Momentum Visa Infinite + Card from Scotiabank waives the $120 annual fee in the first year.
Welcome offer
+$150 extra cash back paid by FinlyWealth when you apply through our link and are approved.
Key facts
Annual fee$120 (waived in year one)
Purchase rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5%
Rewards1% - 4% cash back
NetworkVisa
Card typeCredit card
Credit score neededGood
Minimum income$60,000 personal or $100,000 household
Pros
- High grocery optimization
- High recurring payment optimization
- High insurance coverage
- First-year fee rebate
- Car rental discounts
Cons
- Low base earn rate
- Income requirements
All Scotiabank cards · Cash back cards
Similar cards
| Card | Welcome offer | Extra cash back | Annual fee | Purchase rate | Cash advance | FX fee | |
|---|---|---|---|---|---|---|---|
 American Express | Up to $250 ($200 in first year)Est. value $200 | — | $119.88 | 21.99% | 21.99% | 2.5% | Apply → |
 Neo Financial | Get your first year annual fee waived ($149 value) exclusively through us.Est. value $149 | +$100 cash back | $1491st year free | 19.99% | 22.99% | 2.75% | Apply → |
 Neo Financial | Get your first year annual fee waived ($149 value) exclusively through us.Est. value $149 | +$100 cash back | $1491st year free | 19.99% | 22.99% | 2.75% | Apply → |
 Neo Financial | Get your first year annual fee waived ($149 value) exclusively through us.Est. value $149 | +$100 cash back | $1491st year free | 19.99% | 22.99% | 2.75% | Apply → |
Card data from FinlyWealth, updated 2026-11-08. Rates, fees and offers change often — confirm the current terms on the issuer's site before applying. crediteasy.ca is independent and does not provide financial advice.