{"id":752218,"date":"2018-11-18T19:43:28","date_gmt":"2018-11-19T00:43:28","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=752218"},"modified":"2026-11-06T15:36:13","modified_gmt":"2026-11-06T20:36:13","slug":"scotia-momentum-no-fee-visa-credit-card","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-no-fee-visa-credit-card","title":{"rendered":"Scotia Momentum No-Fee Visa Card review"},"content":{"rendered":"<h3>The perks<\/h3><ul class=\"list-1\"><li><strong>No annual fee.<\/strong> Principal and supplementary cardholders pay nothing annually for the Scotia Momentum No-Fee Visa Card.<\/li><li><strong>Cash back rewards.<\/strong> Get 1% cash back on eligible grocery, food delivery, food subscription, gas, EV charging, daily transit and drugstore purchases as well as eligible recurring bill payments and eligible recurring subscription services (like music and video streaming). Get 0.5% cash back on all other eligible purchases.<\/li><li><strong>Bonus offer.<\/strong> Earn 5% cash back on all purchases for the first 3 months (up to $2,000 spend). Plus, get a 0.99% introductory interest rate on balance transfers for the first 9 months. <b>Apply by April 30, 2027.<\/b><\/li><li><strong>Flexible redemption schedule.<\/strong> Redeem whenever you have over $25 in cash back rewards. You don&#8217;t need to wait for an annual payout.<\/li><li><strong>Quick pay.<\/strong> Pay for purchases in a flash with Visa payWave, Apple Pay, Google Pay and Samsung Pay.<\/li><li><strong>Save on car rentals.<\/strong> Get up to a 25% discount at participating Budget and AVIS car rental locations in Canada and the US.<\/li><li><strong>Shell gas perks.<\/strong> Get a 3\u00a2\/L discount at Shell gas stations, and earn 1% cash back on your purchases (a $15,000 annual spending limit applies).<\/li><li><strong>Scotia SelectPay.<\/strong> Choose to split credit card purchases of at least $100 into multiple, low-interest payments over three, six or 12 months. You can still earn cash back rewards.<\/li><li><strong>Flexible customer support.<\/strong> Reach out to customer service by phone, chatbot or in-person at a local bank branch.<\/li><\/ul><p><a class=\"more-link-arrow\" title=\"Related\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\">Compare the best Scotiabank credit cards<\/a><\/p><h3>What to watch out for<\/h3><ul class=\"list-3\"><li><strong>Low cash back rate.<\/strong> This card offers less cash back than other Scotiabank offerings.<\/li><li><strong>Cash back limit.<\/strong> You can only earn 1% cash back on the first $15,000 spent annually on eligible grocery, gas, EV charging (EV), transit, rideshare, food delivery, drugstores and pharmacy purchases as well as recurring bill payments.<\/li><li><strong>Limited benefits.<\/strong> The Scotia Momentum No-Fee Visa Card doesn&#8217;t come with perks like complimentary travel insurance, entertainment discounts or extended warranty coverage on your purchase.<\/li><\/ul><h3>Scotia Momentum No-Fee 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><p><a class=\"more-link-arrow\" title=\"Related\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/cash-back-credit-cards\">Browse cash back credit cards<\/a><\/p><h3>What should I know before I apply<\/h3><p>Here&#8217;s what you should know before applying for the Scotia Momentum No-Fee Visa Card.<\/p><h4>Eligibility requirements<\/h4><ul><li>Be a resident of Canada<\/li><li>Be at least the age of majority in your province or territory (18 or 19)<\/li><li>Have an annual income of at least $12,000<\/li><li>Have a credit score of 650 or higher (recommended)<\/li><\/ul><h4>Required documents and information<\/h4><ul class=\"list-7\"><li>Valid ID like a passport or driver&#8217;s licence<\/li><li>Proof of employment status and income like recent pay stubs, bank statements or CRA Notices of Assessment<\/li><li>Your full name and contact information<\/li><li>Your Social Insurance Number (SIN) and date of birth<\/li><li>Your financial information, including any debts and assets<\/li><\/ul><h3>How to apply<\/h3><ol><li><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/scotia-momentum-no-fee-visa-card-secure.html?nb=1&src_country=ca&redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Visit%2BScotiabank%2527s%2Bwebsite%22%2C%22site%22%3A%22CACCF%22%2C%22offer_id%22%3A%2224024%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%2295b72990-683f-4cae-b508-25e3ba050c22%22%2C%22product_name%22%3A%22Scotia%2BMomentum%2BNo-Fee%2BVisa%2BCard%22%2C%22provider_id%22%3A%22a27ab6c4-fb8f-4d55-bd26-eeb5240893fa%22%2C%22provider_name%22%3A%22Scotiabank%22%2C%22post_id%22%3A%22752218%22%2C%22post_path%22%3A%22credit-cards%252Fscotiabank-credit-cards%252Fscotia-momentum-no-fee-visa-credit-card%22%2C%22post_country%22%3A%22ca%22%7D\">Visit Scotiabank's website<\/a> and Select <b>Apply now<\/b>.<\/li><li>If you already have a Scotiabank account, sign in to online banking. If not, you&#8217;ll need to apply as a new customer.<\/li><li>Once you&#8217;ve logged in to your account, go to <strong>Products &amp; Services<\/strong>, then select <strong>Credit cards<\/strong> and choose the <strong>Scotia Momentum No-Fee Visa Card<\/strong>.<\/li><li>Read through the customer information provided and select <b>Agree and continue<\/b>.<\/li><li>Provide personal, contact, employment, financial and housing information. Set up a security question. Choose whether you want to receive paper or electronic statements, and add an additional cardholder if necessary.<\/li><li>Review your application information and select <strong>Continue<\/strong>. Review and agree to the terms and conditions and submit your application.<\/li><li>If approved, it could take up to 14 business days to receive your new card in the mail. To begin using it, you&#8217;ll need to activate the card online or over the phone.<\/li><\/ol><p style=\"text-align: center;\"><section class=\"hero-rates__cta\">\r\n        <div class=\"applylinks CACCF has-margin-top-small\">\r\n          <a\r\n            class=\"luna-button luna-button--success luna-button--cta has-margin-bottom-xsmall\"\r\n            rel=\"nofollow\"\r\n            href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/scotia-momentum-no-fee-visa-card-secure.html?nb=1&src_country=ca&redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2295b72990-683f-4cae-b508-25e3ba050c22%22%2C%22product_name%22%3A%22Scotia%2BMomentum%2BNo-Fee%2BVisa%2BCard%22%2C%22offer_id%22%3A%2224024%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_BUTTON_DYNAMIC_CTA%22%2C%22niche_code%22%3A%22CACCF%22%2C%22post_id%22%3A%22752218%22%2C%22post_path%22%3A%22credit-cards%252Fscotiabank-credit-cards%252Fscotia-momentum-no-fee-visa-credit-card%22%2C%22post_country%22%3A%22ca%22%7D\"\r\n            target=\"_blank\">\r\n            Go to site\r\n          <\/a>\r\n\r\n        <\/div>\r\n      <\/section><h3>How safe is the Scotia Momentum No-Fee Visa Card?<\/h3><p>Scotiabank is one of Canada&#8217;s Big Banks. It&#8217;s registered as a Schedule I bank under the Bank Act (Canada) and is regulated by the Office of the Superintendent of Financial Institutions Canada and the Financial Consumer Agency of Canada. It&#8217;s also a member of the Canada Deposit Insurance Corporation (CDIC).<\/p><p>Customer data is safeguarded by encryption, firewalls, multifactor authentication, account timeouts, fraud alerts and partially masked account numbers. It&#8217;s also possible to lock your card via mobile app if someone gains unauthorized access to your account.<\/p><h3>Bottom line<\/h3><p>The Scotia Momentum No-Fee Visa Card offers a no-annual-fee cash back rewards program for those who are looking to make a bit of pocket change on everyday purchases. If you want more bang for your buck, consider paying an annual fee to bump up to either the <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-credit-card\">Scotia Momentum Visa Card<\/a> or <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card\">Scotia Momentum Visa Infinite + Card<\/a>.<br \/><a class=\"more-link-arrow\" title=\"Related\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/best-credit-cards\">What are the best credit cards in Canada?<\/a><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\">Is the Scotia Momentum No-Fee Visa Card worth it?<\/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>If your priority is keeping annual costs down, but you'd still like to earn cash back rewards on your purchases, the Scotia Momentum No-Fee Visa Card could be worthwhile. But if you want more extensive benefits like complimentary travel insurance, entertainment discounts or the ability to earn Scene+ points, you'll want to look at <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/what-is-the-most-prestigious-credit-card\">more premium credit cards<\/a>.<\/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\">What is the minimum income for the Scotia Momentum No-Fee Visa?<\/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>To apply for the Scotia Momentum No-Fee Visa Card, it's recommended that you have a minimum annual income of $12,000.<\/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-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Does the Scotiabank Momentum No-fee Visa have travel insurance?<\/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-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>No, the Scotia Momentum No-Fee Visa Card doesn't come with complimentary travel insurance, but other Scotia cards like the Scotia Momentum Visa Infinite + Card and Scotiabank Passport Visa Infinite + Card do.<\/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-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Is there a Scotia Momentum No-Fee Visa Card welcome 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-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, depending on whether you sign up during one of Scotiabank's promotional periods, which are offered periodically throughout the year. Earn 5% cash back on all purchases for the first 3 months (up to $2,000 spend). Plus, get a 0.99% introductory interest rate on balance transfers for the first 9 months. <b>Apply by April 30, 2027.<\/b><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div class=\"sources sources__f1\" >\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\" data-toc-label=\"Sources\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_0000000004\" data-toggle=\"collapse\" data-target=\"#sources_0000000004\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\" ><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_0000000004\" data-accordion=\"details\" >\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/ca\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/ca\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.scotiabank.com\/ca\/en\/personal\/credit-cards\/visa\/momentum-no-fee-card.html\" target=\"_blank\">Scotiabank: Scotia Momentum No-Fee Visa Card<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.scotiabank.com\/ca\/en\/personal\/credit-cards\/fees.html\" target=\"_blank\">Scotiabank: Credit card fees at a glance<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.scotiabank.com\/ca\/common\/pdf\/about_scotia\/SCOTIABANKS_KNOW_YOUR_CUSTOMER_INFORMATION.pdf\" target=\"_blank\">Scotiabank: Scotiabank&#8217;s Know Your Customer Information<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.osfi-bsif.gc.ca\/en\/supervision\/who-we-regulate\" target=\"_blank\">Office of the Superintendent of Financial Institutions: Who we regulate<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/corporate\/about\/protect.html\" target=\"_blank\">Financial Consumer Agency of Canada: How FCAC protects financial consumers<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.cdic.ca\/depositors\/list-of-members\/\" target=\"_blank\">Canada Deposit Insurance Corporation: List of member institutions<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div>","protected":false},"excerpt":{"rendered":"<p>Get rewarded for everyday spending and save on annual fees with the Scotia Momentum No-Fee Visa\u00a0Card.<\/p>\n","protected":false},"author":474,"featured_media":1071646,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Scotia Momentum No-Fee Visa\u00a0Card","_yoast_wpseo_title":"Scotia Momentum No-Fee Visa Card Review [date format=Y]: Pros & Cons","_yoast_wpseo_metadesc":"The Scotia Momentum No-Fee Visa\u00a0Card comes with no annual fee and cashback rewards, but the perks are limited. Learn more in our review.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"Scotia Momentum No-Fee Visa Card Review: Pros & Cons","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","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,"post_is_fact_checked":"false","post_co_author":"685","post_co_author_date":"2026-11-06T15:36:19","post_co_author_manual_date_checked":"false","post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":"false","post_editor":"-1","post_editor_date":null,"post_author_date":"","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2026-11-06 20:10:33\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated our information on the Scotia Momentum No-Fee Visa Card, including rates, fees, features, pros and cons. We also updated our sources.\"}","_last_major_update":"{\"isOn\":false,\"date\":\"29\/10\/2018\"}","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":""},"categories":[5739],"tags":[],"asset_tag":[],"class_list":["post-752218","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 v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Scotia Momentum No-Fee Visa Card Review 2026: Pros &amp; Cons<\/title>\n<meta name=\"description\" content=\"The Scotia Momentum No-Fee Visa\u00a0Card comes with no annual fee and cashback rewards, but the perks are limited. Learn more in our review.\" \/>\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-no-fee-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 No-Fee Visa Card Review: Pros &amp; Cons\" \/>\n<meta property=\"og:description\" content=\"The Scotia Momentum No-Fee Visa\u00a0Card comes with no annual fee and cashback rewards, but the perks are limited. 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