{"id":752475,"date":"2018-11-15T21:44:31","date_gmt":"2018-11-16T02:44:31","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=752475"},"modified":"2025-06-30T10:15:00","modified_gmt":"2025-06-30T14:15:00","slug":"scotia-momentum-mastercard-credit-card","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-mastercard-credit-card","title":{"rendered":"Scotia Momentum Mastercard review"},"content":{"rendered":"<h3>30-second take<\/h3><ul class=\"list-1\"><li>Get the Scotia Momentum Mastercard if you are looking for a fee-free card that offers cash back on all eligible purchases.<\/li><\/ul><ul class=\"list-12\"><li>Choose something else if you would rather pay an annual fee for more cash back rewards.<\/li><\/ul><div class=\"has-overflow-auto\"><\/div><h3>The basics<\/h3><p>If you want a decent return on your daily purchases but aren&#8217;t interested in paying an annual fee for the privilege, then you might be interested in the Scotia Momentum Mastercard. If you tend to carry a balance on your credit card from month to month, the introductory offer could help you pay down your balance and get out of debt.<\/p><h3>The perks<\/h3><ul class=\"list-1\"><li><strong>Welcome offer. <\/strong>Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. <b>Apply by October 31, 2026.<\/b><\/li><li><strong>Earn cash back. <\/strong>Get 1% cash back on all eligible gas station, grocery store and drug store purchases and recurring bill payments, and get 0.5% cash back on all other eligible purchases.<\/li><li><strong>Quick pay. <\/strong>Breeze through busy checkouts and make everyday purchases quickly and safely with just a quick tap of your Mastercard or mobile device.<\/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>Zero Liability Protection.<\/strong> Avoid paying for fraudulent or unauthorized purchases on your account by contacting customer service.<\/li><\/ul><h3>What to watch out for<\/h3><ul class=\"list-3\"><li><strong>Low cash back rewards. <\/strong>The Scotia Momentum Mastercard offers a lower return on cash back rewards in exchange for being fee-free.<\/li><li><strong>No purchase or warranty protection.<\/strong> This card does not offer purchase or extended warranty protection on consumer products.<\/li><\/ul><h3>Scotia Momentum Mastercard 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>Many customers are pleased that the Scotia Momentum Mastercard offers a fee-free solution for getting a modest cash back return on everyday purchases. Some cardholders are also pleased with the cost-saving benefits of the introductory interest rate on eligible purchases. Those looking to earn higher rewards should consider a card with an annual fee.<\/p><h3>What should I know before I apply<\/h3><p><strong>Eligibility requirements<\/strong><\/p><ul class=\"list-7\"><li data-bind=\"html: $data\">Be a Canadian citizen or permanent resident<\/li><li data-bind=\"html: $data\">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<\/li><\/ul><p><strong>Required documents and information<\/strong><\/p><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><h3>How to apply<\/h3><ol><li>Go to the Scotiabank website to start filling out the online 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 Mastercard offers a modest, no-frills cash back rewards program in return for a fee-free service. Earn rewards on eligible gas, grocery and drug store purchases in addition to recurring payments.<\/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?<\/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 the Scotia Momentum Mastercard Credit Card come with 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 7.99% introductory interest rate on all eligible purchases for the first 6 months. <b>Apply by October 31, 2026.<\/b><\/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\">What other products does Scotiabank 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-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Scotiabank offers a variety of products including <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/scotiabank-chequing\/scotiabank-basic-bank-account-review\" target=\"_blank\" rel=\"noopener noreferrer\">chequing accounts<\/a>, <a href=\"https:\/\/www.finder.com\/ca\/savings-accounts\/scotiabank-savings\" target=\"_blank\" rel=\"noopener noreferrer\">savings accounts<\/a>, <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\" target=\"_blank\" rel=\"noopener noreferrer\">credit cards<\/a>, GICs, personal loans and more.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Get modest rewards for everyday spending with the Scotia Momentum Mastercard Credit Card.<\/p>\n","protected":false},"author":474,"featured_media":793419,"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":[1889],"asset_tag":[],"class_list":["post-752475","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-scotiabank-credit-cards","tag-credit-card"],"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 Mastercard Credit Card Review | Finder Canada<\/title>\n<meta name=\"description\" content=\"Take advantage of cash back rewards and loads of other perks with the Scotia Momentum Mastercard Credit Card. Learn more and apply today.\" \/>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Scotia Momentum Mastercard review\" \/>\n<meta property=\"og:description\" content=\"Take advantage of cash back rewards and loads of other perks with the Scotia Momentum Mastercard Credit Card. Learn more and apply today.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-mastercard-credit-card\" \/>\n<meta property=\"og:site_name\" content=\"Finder Canada\" \/>\n<meta property=\"article:published_time\" content=\"2018-11-16T02:44:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/ScotiaMomentumMastercardCreditCard_Supplied_250x250.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\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=\"3 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-mastercard-credit-card#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-mastercard-credit-card\"},\"author\":{\"name\":\"Claire Horwood\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/252a43e10a819c05764a610c2b59e414\"},\"headline\":\"Scotia Momentum Mastercard review\",\"datePublished\":\"2018-11-16T02:44:31+00:00\",\"dateModified\":\"2022-11-07T12:08:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-mastercard-credit-card\"},\"wordCount\":947,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-mastercard-credit-card#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/ScotiaMomentumMastercardCreditCard_Supplied_250x250.png\",\"articleSection\":[\"Scotiabank Credit Cards\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-mastercard-credit-card\",\"url\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-mastercard-credit-card\",\"name\":\"Scotia Momentum Mastercard Credit Card Review | Finder Canada\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-mastercard-credit-card#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-mastercard-credit-card#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/ScotiaMomentumMastercardCreditCard_Supplied_250x250.png\",\"datePublished\":\"2018-11-16T02:44:31+00:00\",\"dateModified\":\"2022-11-07T12:08:18+00:00\",\"description\":\"Take advantage of cash back rewards and loads of other perks with the Scotia Momentum Mastercard Credit Card. 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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. 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