【October 15, 2026 update】 A higher welcome offer. The blog partner’s cash-back site is temporarily raising the extra rebate to $200, through October 31, 2026.

See the Welcome Offer section below for details.

Highlights

  • 4x cash back on groceries and recurring payments, with a reasonable income requirement
  • A widely accepted Visa card that works at Chinese grocery stores
  • The annual fee can be waived with an eligible Scotiabank chequing account
  • A reasonably complete insurance package

Who it’s for: This card suits people who can use the first $25,000 annual cap on groceries and recurring payments, and who can also use Chexy or the travel benefits. The annual fee is $120 and can be waived if you qualify for the Scotiabank Ultimate Package; if little of your spending falls into accelerated categories or you rarely use the insurance and travel benefits, the return is more limited.

Scotiabank Momentum Visa Infinite

Issuer: Scotiabank
Payment network: Visa Infinite
Card type: Credit card
Annual fee: $120; additional card: $50
Foreign transaction fee: Yes

Cash back is paid as cash and is straightforward to use. You can redeem it once you have at least $25. If you have the Scotiabank Ultimate Package, you can waive up to $150 of the credit-card annual fee.

🇨🇦 Canadian bank accounts that waive credit-card annual fees and offer other benefits

Welcome Offer

【October 15, 2026 update】 $300 + first-year annual-fee rebates for the primary and supplementary cards + $200 through the blog partner’s cash-back site:

  • Earn 15% cash back on the first $2,000 spent in the first three months.
  • Extra $200 rebate deadline: October 31, 2026

Apply directly through the referral link🔗

Eligibility: personal annual income of $60,000, household annual income of $100,000, or net worth of $250,000.

Previous welcome offers

【July 23, 2026 update】 $300 + first-year annual-fee rebates for the primary and supplementary cards + $150 through the blog partner’s cash-back site Expired

  • Earn 15% cash back on the first $2,000 spent in the first three months.

【October 1, 2025 update】 $200 + first-year annual-fee rebates for the primary and supplementary cards + $100 through the blog partner’s cash-back site Expired

  • Earn 10% cash back on the first $2,000 spent in the first three months.

【May 18, 2025 update】 Applying through the Credit Card Genius app provided an additional $200 bonus. The web version offered only an additional $50. Expired

Everyday Spending

4x: groceries and recurring payments, up to $25,000 in spending each year

  • Pre-authorized payments: Payments set up on a fixed schedule, such as daily, monthly, or annually.
  • Bill payments: For example, insurance premiums, utility bills, and gym memberships.
  • Subscription payments: Common examples include video or music streaming and lifestyle subscription boxes.

2x: gas, EV charging, food delivery, and commuting, up to $25,000 in spending each year

  • Includes gas, EV charging, everyday transportation such as buses, taxis, and rideshare, food delivery, and food subscriptions.

1x: other purchases

Benefits & Insurance

  • Complimentary GigSky global mobile-data plan 【Added after the April 2026 rename】

    Visa Infinite provides one complimentary 1 GB / 15-day GigSky global mobile-data plan each year. See the official website🔗. This card also provides a separate complimentary 10 GB / 15-day GigSky global mobile-data plan each year.

    Further reading: What is GigSky? A credit-card perk: free global eSIM roaming explained

  • Sandman stay benefits

    Platinum status, 10% off dining, a simple breakfast, and lounge access. See the official website🔗.

    Further reading: RSVP Rewards explained: the overlooked loyalty programme for Canada’s Sandman and Sutton Place hotel groups

  • Troon Rewards benefits

    Register the Scotiabank Momentum Visa Infinite Card for Troon Rewards® to receive automatic Silver status, with 10% off golf fees, merchandise, and lessons at more than 150 courses in the U.S. and around the world.

  • Visa Infinite Luxury Hotel Collection

    Details are available at the official website.

  • Rental-car discount

    Pay with the Scotiabank Momentum Visa Infinite Card to receive up to 25% off base rental rates at participating Avis and Budget locations in Canada and the U.S.

    Book Avis online at avis.com/scotiabankmomentuminfinite or call 1-800-TRY AVIS (879-2847). Quote Avis worldwide discount number C030400.

    Book Budget online at Budget.com/scotiabankmomentuminfinite or call 1-800-268-8900. Quote Budget Corporate Discount number A363302.

Travel insurance

  • Trip Cancellation Insurance: Charge at least 75% of the trip cost to the Card to qualify; the current article does not list a specific benefit limit or covered triggers.

  • Trip Interruption Insurance: Charge at least 75% of the trip cost to the Card to qualify; the current article does not list a specific benefit limit or covered triggers.

  • Travel Emergency Medical Insurance: For travellers under 65 who are outside their province or territory of residence, the cardholder, spouse, or dependent children may receive up to $1 million in emergency medical coverage for sudden illness or accidental injury.

  • Flight Delay Insurance: Charge at least 75% of the full ticket price to the Card. Necessary hotel, meal, and other emergency expenses may be covered; the current article does not list a specific limit or delay threshold.

  • Delayed Baggage Insurance: Charge the full ticket price for air, train, bus, or cruise travel to the Card. Coverage applies when checked baggage is delayed; the current article does not list a specific benefit limit.

  • Lost Baggage Insurance: Charge the full ticket price for air, train, bus, or cruise travel to the Card. Coverage applies when checked baggage is lost; the current article does not list a specific benefit limit.

  • Travel Accident Insurance: Charge at least 75% of the ticket price to the Card. Accidental death or dismemberment may be covered.

  • Rental Car Collision Loss/Damage Insurance: Charge the full eligible rental cost to the Card. Eligible rental-car damage or theft is automatically covered.

Purchase insurance

  • Purchase Security: Most items purchased with the Card are covered for theft, loss, or damage for 90 days from purchase.

  • Extended Warranty Protection: The original manufacturer’s warranty can be extended to twice its original duration, with the added period capped at one year.

  • New Mobile Device Insurance: New phones, smartphones, or tablets purchased on or after August 1, 2019, may qualify for coverage.