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Scotia Momentum® Visa Infinite ᐩ* Card

Cash Back Rebate from GCR:
$150.00★


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Apply for the Scotia Momentum® Visa Infinite ᐩ* Card

Note : Click from GCR to fill application.
★ Read conditions for rebate below before applying.



Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1

  • Plus, get a 0% introductory interest rate on balance transfers for the first 12 months (2% fee per cash advance, 22.99% after that).1
  • And, no annual fee in the first year, including on additional cards.1

Offer valid November 2, 2026 – April 30, 2027.


Limited time Shell savings: Until Dec 31, 2026, get an additional 3¢/ L off at Shell when you pay with your linked card in select provinces and territories.^

That's up to 10¢/ L in value!



FEATURES
  • Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases.

  • Earn 2% for every $1 you spend on gas purchases, electric vehicle charging, daily transit purchases and food delivery.

  • Earn 1% cash back on all other purchases with no cash back limit.

  • Redeem your cash back that you’ve earned whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption).

  • Visa Infinite* Concierge Services
  • Visa Infinite* Hotel Collection
  • Visa Infinite* Dining and Wine Country program
  • Comprehensive Travel Insurance & New Mobile Device Insurance coverage


Save More with Shell
  • Get up to 7¢/L in value on fuel purchases at Shell stations*


GigSky
  • Travel with confidence using 10GB of free GigSky global mobile data for 15 days with unlimited Travel Essentials by GigSky for essential travel apps.
  • Visa Infinite + cardholders also continue to receive one complimentary 1GB/15-Day GigSky global mobile data plan each year, plus 20% off future GigSky purchases with their Scotiabank Momentum Visa Infinite + card.

Rates, fees and other information are effective as of July 2, 2026. Subject to change.




Annual Card Fee:$120 Credit Score:725
Extra Card Fee:$50 Purchase Interest Rate:20.99%
Minimum Personal Income:$60,000 Balance Transfer Interest Rate:22.99%
Minimum Household Income:$100,000 Cash Advance Interest Rate:22.99%


Income Required
You can apply if: You have a minimum income of $60,000 - $80,000 or more per year, a minimum household income of $100,000 - $150,000 or more, or a minimum of $250,000 - $300,000 or more assets under management.

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 switched to an existing Scotiabank personal credit card are not eligible for the Offer (and subject to the above exclusions, individuals with a Scotiabank business credit card are also eligible for the Offer). By accepting this Offer you confirm you meet all Offer eligibility requirements. We reserve the right to revoke this Offer at any time if we determine you do not meet the Offer eligibility requirements, including after you have accepted the Offer or been approved for the Account.

1 Offer Description and Conditions: The 10% Cash Back, Introductory 0% Balance Transfer Rate and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotia Momentum Visa Infinite + credit card accounts (“Accounts”) that are opened, and any additional Account cards issued, between November 2, 2026 and April 30, 2027 (regardless of the date you apply for the Account) subject to the conditions below. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

* See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

^ Additional 3¢/L Fuel Discount Offer: Offer Valid from October 5, 2026 to December 31, 2026 ("Promotional Period"), eligible Scotiabank credit and debit cardholders enrolled in the Shell Fuel Benefits Program who have linked an eligible Scotiabank payment card (an "Eligible Card") to their Shell Go+ account will receive an additional instant fuel discount of 3 cents per litre on eligible fuel purchases at participating Shell-branded retail locations in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, and the Northwest Territories (the "Eligible Provinces") excluding Shell Flying J locations. Fuel purchases made outside the Eligible Provinces are not eligible for this offer. Please visit https://www.scotiabank.com/ca/en/personal/programs-services/shell.html for Terms and Conditions.


VALUE CONVERSIONS


Part 1: Scotia Momentum® Visa Infinite +* 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® Visa Infinite +* Card Cash Back Value per 100 Canadian Dollars

  • All Purchases: 100 Cash Back Dollars = $ 100 CAD

Part 3: Summary for Best Value

To get the best value from the Scotia Momentum® Visa Infinite +* Card:
  • Redeem for Statement Credits: Cash back is automatically applied as a statement credit, providing a direct 1:1 value.
  • Focus on High Cash Back Categories: Maximize your spending in categories with the highest cash back rates to earn more.
  • Use Travel Benefits: The card offers various travel insurances which can save you money on travel-related expenses, adding to its value.
  • Annual Fee Justification: Ensure the cash back you earn plus the card's other benefits outweigh the annual fee to make it worthwhile.

Part 4: Scotia Momentum® Visa Infinite +* Card Cash Back Earned per $ 1000 Spending by Category

  • Grocery Stores and Recurring Payments: 40 Cash Back Dollars per $ 1,000 spent (up to $ 25,000 annually at 4%, then 1% after).
  • Gas and Public Transit: 20 Cash Back Dollars per $ 1,000 spent (up to $ 25,000 annually at 2%, then 1% after).
  • All Other Eligible Purchases: 10 Cash Back Dollars per $ 1,000 spent (1% cash back).



NOTE : The value conversions may not be up to date. Please calculate your own conversion to Canadian dollars to ensure accuracy.


★ PLEASE READ TO MAKE SURE YOU GET A CASH BACK REBATE

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 from application date to report a missing rebate, otherwise the rebate is void.



Rebate Currency Exchange :  NONE




Earn 10% cash back on all purchases for the first 3 months plus no annual fee for the first year! Get a 0% introductory interest rate on balance transfers for the first 12 months.
Ends : Apr 30