{"id":752194,"date":"2018-10-28T15:56:35","date_gmt":"2018-10-28T19:56:35","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=752194"},"modified":"2026-02-25T15:07:04","modified_gmt":"2026-02-25T20:07:04","slug":"scotia-momentum-visa-credit-card","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-credit-card","title":{"rendered":"Scotia Momentum Visa Card review"},"content":{"rendered":"<h3>The basics<\/h3><ul class=\"list-10\"><li><strong>Earn cash back.<\/strong> Earn 2% cash back on all eligible gas station, grocery store and drug store purchases, transit, rideshare, food delivery and on recurring bill payments (up to $25,000 annually), and earn 1% cash back on all other eligible purchases (and on all eligible purchases once the $25,000 annual spending limit is reached).<\/li><li><strong>Welcome offer. <\/strong>Get a 2.99% introductory interest rate on balance transfers for the first 6 months. <b>Offer ends October 31, 2026.<\/b><\/li><li><strong>Purchase insurance. <\/strong>Most products purchased with your card are insured against theft, loss, or damage for 90 days from the purchase date and the manufacturer\u2019s warranty is doubled for up to one year.<\/li><\/ul><h3>The perks<\/h3><ul class=\"list-1\"><li><strong>Quick pay. <\/strong>Save time in busy checkout lines when you pay through Visa payWave, MyMobile Wallet, Visa Checkout and Apple Pay.<\/li><li><strong>Save on car rentals.<\/strong> Get a discount of up to a 25% at participating Budget and AVIS car rental locations in Canada and the US.<\/li><li><strong>World class service. <\/strong>Reach out to customer service 24\/7 by calling the number on the back of your card. You can use this service to report cards missing or stolen, request additional cards, file complaints or resolve issues by speaking directly to an agent.<\/li><li><strong>Cash Back Anytime.<\/strong> Redeem your Cash Back anytime ($25 minimum required) instead of having to wait for an annual payout<\/li><\/ul><h3>What to watch out for<\/h3><ul class=\"list-3\"><li><b>Annual fee. <\/b>You have to pay an annual fee of $49 which can eat into your total savings.<\/li><li><strong>Minimum income requirements.<\/strong> You will need to provide proof that your annual gross income is above $12,000 per year.<\/li><\/ul><h3>Scotia Momentum Visa Card interest rates<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 50%; text-align: left;\" scope=\"col\"><b>Interest Type<\/b><\/th><th style=\"width: 50%; text-align: left;\" scope=\"col\"><b>Interest Rate<\/b><\/th><\/tr><\/thead><tbody><tr><td>Purchase interest rate<\/td><td>20.99%<\/td><\/tr><tr><td>Cash advance rate<\/td><td>22.99%<\/td><\/tr><tr><td>Standard balance transfer rate<\/td><td>22.99%<\/td><\/tr><\/tbody><\/table><h3>What do other customers say?<\/h3><p>Most customers are relatively satisfied with the perks and benefits on offer from the Scotia Momentum Visa Card. The card offers a fair rate of cash back on eligible purchases which can add up to big savings. Many cardholders are pleased with the cost-saving benefits of an introductory balance transfer offer, while others are impressed by the level of customer service provided by Scotiabank. Some customers feel that the level of rewards aren&#8217;t worth the annual fee of $49 and prefer to opt for a fee-free card in exchange for less cash back.<\/p><h3>What should I know before I apply<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Eligibility requirements<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>To apply for the Scotia Momentum Visa Card you need to:<\/p><ul class=\"list-7\"><li data-bind=\"html: $data\">Be a Canadian citizen or permanent resident.<\/li><li data-bind=\"html: $data\">Be at the age of majority in the province\/territory of residence.<\/li><li data-bind=\"html: $data\">Have an annual gross income of at least $12,000 without declaring bankruptcy in the past 7 years.<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Required documents and information<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul class=\"list-7\"><li>Your name, residential status and contact information.<\/li><li>Your social insurance number and date of birth.<\/li><li>Your email address and phone number.<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Income requirements<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The minimum income required for Canadians to qualify for this credit card is only $12,000 a year, which means that even if you haven&#8217;t had the chance to make a relatively high income quite yet, you may still be able to get your hands on big savings.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h3>How to apply<\/h3><ol><li>Click <b>Go to site<\/b> on this page to be securely directed to your Scotia Momentum Visa Card application.<\/li><li>Read through the Disclosure Statement details and click <b>Accept &amp; Continue.<\/b><\/li><li>Complete the application with details that include your name, email address, social insurance number and birth date.<\/li><li>Review and submit your application.<\/li><\/ol><h3>Bottom line<\/h3><p>The Scotia Momentum Visa Card offers a no-frills, low-fee cash back rewards program for those who are interested in making a better return on everyday purchases. If you&#8217;re looking to get more bang for your buck, and aren&#8217;t interested in a ton of additional features, then this card might be right up your alley.<\/p><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">How do I check my points balance with the Scotia Momentum Visa Card ?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Log in to your account on Scotiabank and navigate to the rewards page. You will be able to see your points balance once on this page.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Does Scotia Momentum Visa Card offer a welcome bonus offer?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Get a 2.99% introductory interest rate on balance transfers for the first 6 months. <b>Offer ends October 31, 2026.<\/b><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<p><small>Pictures: scotiabank.com\/ca<\/small><\/p>","protected":false},"excerpt":{"rendered":"<p>Get solid rewards for everyday spending with the low-fee Scotia Momentum Visa\u00a0Card. <\/p>\n","protected":false},"author":474,"featured_media":1071811,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[5739],"tags":[],"asset_tag":[],"class_list":["post-752194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-scotiabank-credit-cards"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Scotia Momentum Visa Card Review | Finder Canada<\/title>\n<meta name=\"description\" content=\"Explore the perks and drawbacks of the low-fee, cashback Scotia Momentum Visa\u00a0Card. Find out if you&#039;re eligible and apply securely today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-credit-card\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Scotia Momentum Visa Card review\" \/>\n<meta property=\"og:description\" content=\"Explore the perks and drawbacks of the low-fee, cashback Scotia Momentum Visa\u00a0Card. 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