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Scotia Momentum® No-Fee Visa* Card

Cash Back Rebate from GCR:
$50.00★


>
Apply for the Scotia Momentum® No-Fee Visa* Card

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



Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases)*.

Plus, get a 0.99% introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance, 22.99% after that; annual fee $0)*


Offer valid July 2, 2026 – November 1, 2026.


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 9¢/ L in value!



FEATURES
  • Earn 1% cash back on all eligible groceries, drug stores purchases, food delivery and food subscription services.

  • Earn 1% cash back on all eligible gas purchases, electric vehicle charging, transit and rideshare.

  • Earn 1% cash back on all eligible recurring bill payments and subscription services.

  • Earn 0.5% cash back on all other eligible purchases.

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


Save More with Shell
  • Get up to 6¢/L in value on fuel purchases at Shell stations*


Rates, fees, offers and other information are effective as of July 2, 2026. 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:20.99%
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.

^ 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® 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.


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



Rebate Currency Exchange :  NONE