Scotia Momentum® No-Fee Visa* Card to Your Comparison Table Your Comparison Table (need to be logged in) Full Comparison Summary
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
Plus, get a 0% introductory interest rate on Balance Transfers for the first 6 months.
(2% fee per cash advance, 22.99% after that; annual fee $0)
Offer valid November 1, 2024 - October 31, 2025.
FEATURES
Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments.
Earn 0.5% cash back on all other eligible purchases.
Rates, fees, offers and other information are effective as of November 1, 2024. Subject to change.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.
* See Card Provider's website and Card Application for complete card details, terms, conditions and current offers. Reasonable efforts are made to maintain accuracy of information.
Annual Card Fee:
$0
Credit Score:
660
Extra Card Fee:
$0
Purchase Interest Rate:
19.99%
Minimum Personal Income:
$12,000
Balance Transfer Interest Rate:
22.99%
Minimum Household Income:
N/A
Cash Advance Interest Rate:
22.99%
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
Plus, get a 0% introductory interest rate on Balance Transfers for the first 6 months.
(2% fee per cash advance, 22.99% after that; annual fee $0)
Offer valid November 1, 2024 - October 31, 2025.
FEATURES
Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments.
Earn 0.5% cash back on all other eligible purchases.
Rates, fees, offers and other information are effective as of November 1, 2024. Subject to change.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.
Annual Card Fee:
$0
Credit Score:
660
Extra Card Fee:
$0
Purchase Interest Rate:
19.99%
Minimum Personal Income:
$12,000
Balance Transfer Interest Rate:
22.99%
Minimum Household Income:
N/A
Cash Advance Interest Rate:
22.99%
* See Card Provider's website and Card Application for complete card details, terms, conditions and current offers. Reasonable efforts are made to maintain accuracy of information.
Part 1: Scotia Momentum® No-Fee Visa* Card Cash Back Value per Canadian Dollar
All Purchases: 1 Cash Back Dollar = $ 1 CAD when redeemed as a statement credit.
Part 2: Scotia Momentum® No-Fee Visa* Card Cash Back Value per 100 Canadian Dollars
All Purchases: 100 Cash Back Dollars = $ 100 CAD
Part 3: Summary for Best Value
To achieve the best value from the Scotia Momentum® No-Fee Visa* Card:
Redeem as Statement Credits: Since cash back is automatically applied as a statement credit, you get the full dollar value without any redemption fees.
Focus on Bonus Categories: Spend more in the categories that earn higher cash back rates to maximize your return.
Utilize Promotional Offers: Take advantage of any promotional periods where cash back rates might be elevated or include additional benefits.
No Annual Fee: With no annual fee, all cash back earned is pure gain, making every dollar spent more valuable.
Part 4: Scotia Momentum® No-Fee Visa* Card Cash Back Earned per $ 1000 Spending by Category
Eligible Gas, Grocery, and Drugstore Purchases, and Recurring Payments: 10 Cash Back Dollars per $ 1,000 spent (1% cash back).
All Other Eligible Purchases: 5 Cash Back Dollars per $ 1,000 spent (0.5% cash back).
NOTE : The value conversions may not be up to date. Please calculate your own conversion to Canadian dollars to ensure accuracy.
★ Conditions and Exemptions
Cash back Rebates will be paid by Great Canadian Rebates under the following rules:
1. Applicants must apply through an online link from Great Canadian Rebates.
2. Rebates are for applications started and approved online.
3. DO NOT leave the application before completing. This includes browsing elsewhere.
4. If application session expires, a new session must be started. Start over by clicking on the link from Great Canadian Rebates.
5. Activation of the Card by the cardholder.
6. Cashback may end at any time and is at the discretion of the GCR and only available to Great Canadian Rebates members.
7. Cashback is not valid to repeat cardholders with the same card.
8. Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
NOTE: You must reply to GCR within 3 months of application date to report a missing rebate, otherwise the rebate is void.
Get 25% Referral Bonus Get paid in cash 25% of all cash back rebates all your referrals collect
Great Canadian Rebates works in partnership with over 900 well known merchants. These outlets already offer great deals and savings, you save even more when you shop online as a member here. Once you register, you can save through Cash Back Rebates and even more using our coupons, deals, discounts and sales links.
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