Scotiabank
Scotia Momentum Visa Infinite +
Cash back · $120.00 annual fee · requires $80,000 income
Your eligibility
Sign in and build a plan to check this card against your province, income, and card history.
Scotiabank rule: welcome bonus again after 24 months without the card.
Current offer
15% cash back on up to $2,000 in the first 3 months, plus a first-year fee rebate
- • 15% total cash back on up to $2,000 in net purchases during the first 3 calendar months; promotional credit can take about 5 months
First-year fee rebate, subject to the offer conditions.
Qualifying conditions and calculation assumptions
- New personal accounts only; primary or secondary holders of any Scotiabank personal card within the past 2 years are excluded. Account must remain open and in good standing when rewards post.
- Account-opening offer July 2–November 1, 2026. Annual fee $120, first-year rebate. Promotional 15% includes ordinary earn, so the planner subtracts ordinary rewards already counted.
- 4% groceries/recurring bills share $25,000 per account year; 2% gas category has a separate $25,000 account-year cap; 1% afterwards and other purchases.
- Current Infinite + matching uses personal income $60,000–$80,000+; planner conservatively uses $80,000. Keep open until promotional credit posts.
Quebec: Public Canadian offer reviewed; no separate Quebec welcome-bonus exclusion stated. Provincial cardholder agreements and interest/payment rules still apply.
Offer verified Sep 6, 2026 · 24 days old · expires Nov 1, 2026
Earn rates
| Groceries | 4% |
| Recurring bills | 4% |
| Gas | 2% |
| Everything else | 1% |
| Dining | 1% |
| Travel | 1% |
Points (or cents, for cash-back cards) per dollar spent. Verify rates with the issuer — categories and caps change.
- Accelerated rate cap: $25,000 in Groceries, Recurring bills per account year; then 1%.
- Accelerated rate cap: $25,000 in Gas per account year; then 1%.