{"id":752251,"date":"2018-11-15T23:45:32","date_gmt":"2018-11-16T04:45:32","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=752251"},"modified":"2026-05-01T15:44:05","modified_gmt":"2026-05-01T19:44:05","slug":"scotia-momentum-visa-infinite-credit-card","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card","title":{"rendered":"Scotia Momentum Visa Infinite + Card review"},"content":{"rendered":"<h3>The basics<\/h3><ul class=\"list-10\"><li><strong>High return.<\/strong> Earn 4% cash back for every $1 spent on eligible grocery purchases & recurring payments, 2% per $1 spent on eligible gas, daily transit purchases & food delivery and 1% per $1 spent on everything else.<\/li><li><strong>Promotional offers.<\/strong> Access one-of-a-kind wine and dining exclusives for Visa Infinite card holders.<\/li><li><strong>Shopping coverage. <\/strong>Get extended warranty and insurance coverage on products purchased with your Scotia Momentum Visa Infinite + Card.<\/li><li><strong>Travel insurance.<\/strong> Make use of a wide suite of travel insurance to cover lost or stolen luggage, car rental damage or theft, flight delays, baggage delays and many other incidentals. This comes on top of $1,000,000 Travel Emergency Medical Insurance.<\/li><\/ul><h3>The perks<\/h3><ul class=\"list-4\"><li><strong>Quick pay. <\/strong>Tap your Scotia Momentum Visa Infinite + Card or your smartphone for quick easy payments Visa payWave. You can also make secure payments through Apple Pay.<\/li><li><strong>Save on car rentals.<\/strong> Save up to 25% on car rentals when you use your Scotia Momentum Visa Infinite + Card to book at participating AVIS and Budget locations in Canada and the US.<\/li><li><strong>World class service.<\/strong> Contact Visa Infinite Concierge Service for help with bookings or event planning, or reach out to Scotiabank customer service 24\/7 to troubleshoot issues with your account.<\/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><div class=\"has-padding-xsmall\"><\/div><div class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><h4>Broad travel insurance coverage<\/h4>The Scotia Momentum Visa Infinite + Card offers extended purchase and travel insurance:<\/p><ul class=\"list-10\"><li><b>Purchase security and extended warranty insurance.<\/b> Double the manufacturer&#8217;s warranty or up to one year, and get insurance coverage to cover theft, loss or damage on most items purchased with your card (covered for the first 90 days from the purchase date).<\/li><li><b>Travel insurance.<\/b> Make use of a wide suite of travel insurance to cover car rentals, flight cancellations\/interruptions, baggage delays or lost luggage and other incidentals. This comes on top of travel accident insurance and $1,000,000 in Travel Emergency Medical Insurance.<\/li><li><strong>Optional insurance coverage.<\/strong> Pay extra for optional financial protection during a range of life events, including disability, job loss, strikes, critical illness and loss of life.<\/li><li><b>New mobile device insurance.<\/b> You could get up to $1,000 in coverage if your new cell phone, smartphone or tablet is lost, stolen, accidentally damaged or has mechanical failure.<\/li><\/ul><\/div><\/div><h3>What to watch out for<\/h3><ul class=\"list-3\"><li><b>High minimum balance.<\/b> The minimum credit limit on this card $5,000.<\/li><li><strong>High minimum annual income.<\/strong> You must have a minimum annual income of $60,000 or a minimum household income of $100,000 to qualify for this card.<\/li><li><strong>Expensive annual fee. <\/strong>Pay $120 per year to maintain your Scotia Momentum Visa Infinite + Card.<\/li><li><strong>Additional charge for extra cards. <\/strong>Pay $50 for each supplementary card on your account.<\/li><\/ul><h3>Scotia Momentum Visa Infinite + 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><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\" style=\"text-decoration:underline; font-size:0.9em;\">Explore more Scotiabank credit cards<\/a>\n<\/div>\n<\/article><h3>What should I know before I apply<\/h3><h4>Eligibility requirements<\/h4><ul><li>Be a Canadian citizen or permanent resident<\/li><li>Be the age of majority in your province or territory of residence<\/li><li>Have an annual gross income of at least $60,000 (or a household income of $100,000)<\/li><\/ul><h4>Required documents and information<\/h4><ul><li>Your name, residential status and contact information<\/li><li>Your Social Insurance Number (SIN) and date of birth<\/li><li>Your email address and phone number<\/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-visa-infinite-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%2224028%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22433a7891-03de-440f-a886-a6eb42465eea%22%2C%22product_name%22%3A%22Scotia%2BMomentum%2BVisa%2BInfinite%2B%252B%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%22752251%22%2C%22post_path%22%3A%22credit-cards%252Fscotiabank-credit-cards%252Fscotia-momentum-visa-infinite-credit-card%22%2C%22post_country%22%3A%22ca%22%7D\">Visit Scotiabank's website<\/a> to begin your Scotia Momentum Visa Infinite + Card application online.<\/li><li>Read the Disclosure Statement details and continue the application.<\/li><li>Complete the application with details like your name, email address, SIN and birth date.<\/li><li>Review and submit your application.<\/li><\/ol><h3>Bottom line<\/h3><p>The Scotia Momentum Visa Infinite + Card offers a full suite of perks and benefits in return for a $120 annual fee. This card boasts a high cash back rate for groceries, bills, subscriptions and gas purchases. Visa Infinite customers also get exclusive wine and dining offers in addition to a wide range of travel insurance coverage.<\/p><p>If your income doesn&#8217;t reach the $60,000 annual threshold, you might want to check out the <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank\/scotia-momentum-visa-credit-card\">Scotia Momentum Visa Card<\/a> or the <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-no-fee-visa-credit-card\">Scotia Momentum No-Fee Visa Card<\/a> to qualify for similar benefits.<\/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 cash back rewards balance with the Scotia Momentum Visa Infinite 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's desktop or mobile app, select <strong>Accounts<\/strong>, then navigate to your credit card. You can view your rewards balance under <strong>Cash back earned<\/strong>.<\/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 the Scotia Momentum Visa Infinite Card have a 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-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, the Scotia Momentum Visa Infinite + Card occasionally comes with welcome offers, and you can check Scotiabank's website for the latest promotional deals. Earn 15% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, pay no annual fee in the first year. <b>Apply by November 1, 2026.<\/b><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3><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\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_1893323795\" data-toggle=\"collapse\" data-target=\"#sources_1893323795\">\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_1893323795\" 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-infinite-card.html\" target=\"_blank\">Scotiabank: Scotia Momentum Visa Infinite Card, Accessed August 20, 2025<\/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, Accessed August 20, 2025<\/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><\/div>","protected":false},"excerpt":{"rendered":"<p>The Scotia Momentum Visa Infinite Card offers solid rewards for everyday spending, but the annual fee might be high for some spenders.<\/p>\n","protected":false},"author":474,"featured_media":1077013,"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-752251","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 Infinite Card Review: Pros &amp; Cons<\/title>\n<meta name=\"description\" content=\"The Scotia Momentum Visa Infinite Card offers a high cash back rate and many perks, but there are some drawbacks. 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-visa-infinite-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 Infinite Card Review: Pros &amp; Cons\" \/>\n<meta property=\"og:description\" content=\"The Scotia Momentum Visa Infinite Card offers a high cash back rate and many perks, but there are some drawbacks. Learn more in our review.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card\" \/>\n<meta property=\"og:site_name\" content=\"Finder Canada\" \/>\n<meta property=\"article:published_time\" content=\"2018-11-16T04:45:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/ScotiabankMomentumVisaInfinite_Supplied_1800x1000-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Claire Horwood\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Claire Horwood\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card\"},\"author\":{\"name\":\"Claire Horwood\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/252a43e10a819c05764a610c2b59e414\"},\"headline\":\"Scotia Momentum Visa Infinite + Card review\",\"datePublished\":\"2018-11-16T04:45:32+00:00\",\"dateModified\":\"2025-08-20T20:41:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card\"},\"wordCount\":1439,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/ScotiabankMomentumVisaInfinite_Supplied_1800x1000-1.jpg\",\"articleSection\":[\"Scotiabank Credit Cards\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"editor\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/784654a651a2874261e8007614422c55\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Scotiabank: Scotia Momentum Visa Infinite Card, Accessed August 20, 2025\",\"url\":\"https:\/\/www.scotiabank.com\/ca\/en\/personal\/credit-cards\/visa\/momentum-infinite-card.html\"},{\"@type\":\"CreativeWork\",\"name\":\"Scotiabank: Credit card fees at a glance, Accessed August 20, 2025\",\"url\":\"https:\/\/www.scotiabank.com\/ca\/en\/personal\/credit-cards\/fees.html\"}],\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card\",\"url\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card\",\"name\":\"Scotia Momentum Visa Infinite Card Review: Pros & Cons\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/ScotiabankMomentumVisaInfinite_Supplied_1800x1000-1.jpg\",\"datePublished\":\"2018-11-16T04:45:32+00:00\",\"dateModified\":\"2025-08-20T20:41:17+00:00\",\"description\":\"The Scotia Momentum Visa Infinite Card offers a high cash back rate and many perks, but there are some drawbacks. Learn more in our review.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card#primaryimage\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/ScotiabankMomentumVisaInfinite_Supplied_1800x1000-1.jpg\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/ScotiabankMomentumVisaInfinite_Supplied_1800x1000-1.jpg\",\"width\":1800,\"height\":1000},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"CA\",\"item\":\"https:\/\/www.finder.com\/ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Credit Cards\",\"item\":\"https:\/\/www.finder.com\/ca\/credit-cards\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Scotiabank Credit Cards\",\"item\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Scotia Momentum Visa Infinite + Card review\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.finder.com\/ca\/#website\",\"url\":\"https:\/\/www.finder.com\/ca\/\",\"name\":\"Finder Canada\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.finder.com\/ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\",\"name\":\"Finder\",\"url\":\"https:\/\/www.finder.com\/ca\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png\",\"contentUrl\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png\",\"width\":1392,\"height\":1392,\"caption\":\"Finder\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/en.wikipedia.org\/wiki\/Finder_(website)\"],\"description\":\"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/252a43e10a819c05764a610c2b59e414\",\"name\":\"Claire Horwood\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ClaireHorwoodF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ClaireHorwoodF1_Finder_600x600.png\",\"caption\":\"Claire Horwood\"},\"description\":\"Claire Horwood was a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate\u2019s Degree in Science from Camosun College. Much of Claire\u2019s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee.\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/clairehorwood\/\"],\"url\":\"https:\/\/www.finder.com\/ca\/author\/clairehorwood\",\"jobTitle\":\"Associate editor\",\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Banking\"},{\"@type\":\"Thing\",\"name\":\"Personal Loans\"},{\"@type\":\"Thing\",\"name\":\"Car Loans\"},{\"@type\":\"Thing\",\"name\":\"Business Loans\"},{\"@type\":\"Thing\",\"name\":\"Credit Cards\"}],\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/784654a651a2874261e8007614422c55\",\"name\":\"Stacie Hurst\",\"description\":\"Stacie Hurst is an editor at Finder, specializing in loans, banking, investing and money transfers. She has a Bachelor of Arts in Psychology and Writing, and she has completed FP Canada Institute's Financial Management Course. Before working in the publishing industry, Stacie completed one year of law school in the United States. When not working, she can usually be found watching K-dramas or playing games with her friends and family.\",\"jobTitle\":\"Associate editor\",\"url\":\"https:\/\/www.finder.com\/ca\/author\/staciehurst\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/stacie-hurst\"],\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Banking\"},{\"@type\":\"Thing\",\"name\":\"Stock Trading\"},{\"@type\":\"Thing\",\"name\":\"Cryptocurrency\"},{\"@type\":\"Thing\",\"name\":\"Personal Loans\"},{\"@type\":\"Thing\",\"name\":\"Car Loans\"},{\"@type\":\"Thing\",\"name\":\"Credit Cards\"}],\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/image\/\/784654a651a2874261e8007614422c55\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/StacieHurstF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/StacieHurstF1_Finder_600x600.png\",\"caption\":\"Stacie Hurst\"},\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\",\"name\":\"Finder\"}},{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"name\":\"Frequently Asked Questions\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How do I check my cash back rewards balance with the Scotia Momentum Visa Infinite Card?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rLog in to your account on Scotiabank's desktop or mobile app, select <strong>Accounts<\/strong>, then navigate to your credit card. You can view your rewards balance under <strong>Cash back earned<\/strong>.\\r\"}},{\"@type\":\"Question\",\"name\":\"Does the Scotia Momentum Visa Infinite Card have a welcome offer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rYes, the Scotia Momentum Visa Infinite + Card occasionally comes with welcome offers, and you can check Scotiabank's website for the latest promotional deals. Earn 15% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, pay no annual fee in the first year. <b>Apply by November 1, 2026.<\/b>\\r\"}}]}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2025-08-20T20:41:17+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Scotia Momentum Visa Infinite Card Review: Pros & Cons","description":"The Scotia Momentum Visa Infinite Card offers a high cash back rate and many perks, but there are some drawbacks. Learn more in our review.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card","og_locale":"en_US","og_type":"article","og_title":"Scotia Momentum Visa Infinite Card Review: Pros & Cons","og_description":"The Scotia Momentum Visa Infinite Card offers a high cash back rate and many perks, but there are some drawbacks. Learn more in our review.","og_url":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card","og_site_name":"Finder Canada","article_published_time":"2018-11-16T04:45:32+00:00","og_image":[{"width":1800,"height":1000,"url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/ScotiabankMomentumVisaInfinite_Supplied_1800x1000-1.jpg","type":"image\/jpeg"}],"author":"Claire Horwood","twitter_misc":{"Written by":"Claire Horwood","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card#article","isPartOf":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card"},"author":{"name":"Claire Horwood","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/252a43e10a819c05764a610c2b59e414"},"headline":"Scotia Momentum Visa Infinite + Card review","datePublished":"2018-11-16T04:45:32+00:00","dateModified":"2025-08-20T20:41:17+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card"},"wordCount":1439,"publisher":{"@id":"https:\/\/www.finder.com\/ca\/#organization"},"image":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/ScotiabankMomentumVisaInfinite_Supplied_1800x1000-1.jpg","articleSection":["Scotiabank Credit Cards"],"inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"editor":{"@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/784654a651a2874261e8007614422c55"},"citation":[{"@type":"CreativeWork","name":"Scotiabank: Scotia Momentum Visa Infinite Card, Accessed August 20, 2025","url":"https:\/\/www.scotiabank.com\/ca\/en\/personal\/credit-cards\/visa\/momentum-infinite-card.html"},{"@type":"CreativeWork","name":"Scotiabank: Credit card fees at a glance, Accessed August 20, 2025","url":"https:\/\/www.scotiabank.com\/ca\/en\/personal\/credit-cards\/fees.html"}],"commentCount":0},{"@type":"WebPage","@id":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card","url":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card","name":"Scotia Momentum Visa Infinite Card Review: Pros & Cons","isPartOf":{"@id":"https:\/\/www.finder.com\/ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card#primaryimage"},"image":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/ScotiabankMomentumVisaInfinite_Supplied_1800x1000-1.jpg","datePublished":"2018-11-16T04:45:32+00:00","dateModified":"2025-08-20T20:41:17+00:00","description":"The Scotia Momentum Visa Infinite Card offers a high cash back rate and many perks, but there are some drawbacks. Learn more in our review.","breadcrumb":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card#primaryimage","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/ScotiabankMomentumVisaInfinite_Supplied_1800x1000-1.jpg","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/ScotiabankMomentumVisaInfinite_Supplied_1800x1000-1.jpg","width":1800,"height":1000},{"@type":"BreadcrumbList","@id":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"CA","item":"https:\/\/www.finder.com\/ca\/"},{"@type":"ListItem","position":2,"name":"Credit Cards","item":"https:\/\/www.finder.com\/ca\/credit-cards"},{"@type":"ListItem","position":3,"name":"Scotiabank Credit Cards","item":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards"},{"@type":"ListItem","position":4,"name":"Scotia Momentum Visa Infinite + Card review"}]},{"@type":"WebSite","@id":"https:\/\/www.finder.com\/ca\/#website","url":"https:\/\/www.finder.com\/ca\/","name":"Finder Canada","description":"","publisher":{"@id":"https:\/\/www.finder.com\/ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.finder.com\/ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder","url":"https:\/\/www.finder.com\/ca\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png","width":1392,"height":1392,"caption":"Finder"},"image":{"@id":"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/en.wikipedia.org\/wiki\/Finder_(website)"],"description":"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/252a43e10a819c05764a610c2b59e414","name":"Claire Horwood","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/image\/","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ClaireHorwoodF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ClaireHorwoodF1_Finder_600x600.png","caption":"Claire Horwood"},"description":"Claire Horwood was a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate\u2019s Degree in Science from Camosun College. Much of Claire\u2019s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee.","sameAs":["https:\/\/www.linkedin.com\/in\/clairehorwood\/"],"url":"https:\/\/www.finder.com\/ca\/author\/clairehorwood","jobTitle":"Associate editor","knowsAbout":[{"@type":"Thing","name":"Banking"},{"@type":"Thing","name":"Personal Loans"},{"@type":"Thing","name":"Car Loans"},{"@type":"Thing","name":"Business Loans"},{"@type":"Thing","name":"Credit Cards"}],"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/784654a651a2874261e8007614422c55","name":"Stacie Hurst","description":"Stacie Hurst is an editor at Finder, specializing in loans, banking, investing and money transfers. She has a Bachelor of Arts in Psychology and Writing, and she has completed FP Canada Institute's Financial Management Course. Before working in the publishing industry, Stacie completed one year of law school in the United States. When not working, she can usually be found watching K-dramas or playing games with her friends and family.","jobTitle":"Associate editor","url":"https:\/\/www.finder.com\/ca\/author\/staciehurst","sameAs":["https:\/\/www.linkedin.com\/in\/stacie-hurst"],"knowsAbout":[{"@type":"Thing","name":"Banking"},{"@type":"Thing","name":"Stock Trading"},{"@type":"Thing","name":"Cryptocurrency"},{"@type":"Thing","name":"Personal Loans"},{"@type":"Thing","name":"Car Loans"},{"@type":"Thing","name":"Credit Cards"}],"image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/image\/\/784654a651a2874261e8007614422c55","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/StacieHurstF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/StacieHurstF1_Finder_600x600.png","caption":"Stacie Hurst"},"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder"}},{"@context":"https:\/\/schema.org","@type":"FAQPage","name":"Frequently Asked Questions","mainEntity":[{"@type":"Question","name":"How do I check my cash back rewards balance with the Scotia Momentum Visa Infinite Card?","acceptedAnswer":{"@type":"Answer","text":"\rLog in to your account on Scotiabank's desktop or mobile app, select <strong>Accounts<\/strong>, then navigate to your credit card. You can view your rewards balance under <strong>Cash back earned<\/strong>.\r"}},{"@type":"Question","name":"Does the Scotia Momentum Visa Infinite Card have a welcome offer?","acceptedAnswer":{"@type":"Answer","text":"\rYes, the Scotia Momentum Visa Infinite + Card occasionally comes with welcome offers, and you can check Scotiabank's website for the latest promotional deals. Earn 15% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, pay no annual fee in the first year. <b>Apply by November 1, 2026.<\/b>\r"}}]}]},"article_modified_time":"2025-08-20T20:41:17+00:00"},"custom_fields":{"show_author_box":["yes"],"_masthead_subheading":["{\"text\":\"Get an impressive cash back rate on many everyday purchases with the [nb:value niche_code=&quot;CACCF&quot; record_type=&quot;PRODUCT&quot; record_id=&quot;433a7891-03de-440f-a886-a6eb42465eea&quot; field=&quot;GENERAL.NAME&quot; decorator=&quot;GLOBAL.VALUE.TEXT&quot;].\"}"],"_content_type":["niche-content\/recommendation\/product-review"],"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"custom_post_template":["single-product-review.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/752251"}],"collection":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/users\/474"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/comments?post=752251"}],"version-history":[{"count":13,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/752251\/revisions"}],"predecessor-version":[{"id":1077014,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/752251\/revisions\/1077014"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media\/1077013"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media?parent=752251"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/categories?post=752251"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/tags?post=752251"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/asset_tag?post=752251"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}