How to apply Scotia Momentum VISA Infinite ?

The Scotia Momentum Visa Infinite Card is a premium cash-back credit card designed for individuals who want to earn strong rewards on everyday spending. It offers some of the highest cash-back rates in Canada, especially on groceries, recurring bills, and gas purchases, along with valuable perks like travel insurance and mobile device protection. Applying for this card is simple and can be done online or at any Scotiabank branch. Below, you’ll find the key steps, eligibility requirements, and documents needed to complete your application.

Who should consider the Scotiabank Momentum Visa Infinite?

This card is a strong match for:

• Households that spend heavily on groceries and cook at home often.
• People with multiple recurring payments such as streaming, insurance, gym memberships, or condo fees.
• Individuals willing to use a bill-pay service for rent, taxes, or large recurring bills to include those expenses in the 4% category.
• Those who prefer straightforward cash back rather than points or restricted rewards programs.

This card is less suitable for:

• People who prefer reward points with transfer partners and luxury travel benefits like lounge access.

• Frequent international travelers who want low or no foreign transaction fees.

Required documents for the application

To apply for the Scotia Momentum Visa Infinite Card, you’ll need to provide a few essential documents to verify your identity, income, and eligibility. These usually include:

• A valid government-issued photo ID (such as a passport or driver’s license)
• Your Social Insurance Number (SIN) for credit verification
• Proof of income, like recent pay stubs, a T4, or a Notice of Assessment, to confirm you meet the minimum income requirement
• Employment information, including your employer’s name, position, and contact details
• Proof of address, if it’s different from what appears on your ID

Scotiabank may request additional documentation depending on your credit history or financial situation.

Stepwise Application Process for the Scotiabank Momentum Visa Infinite Card

To apply for the Scotiabank Momentum Visa Infinite Card, you can follow these steps:

1. Online:
   • Visit the Scotiabank website and navigate to the credit cards section. There, you can browse the different card options and compare their benefits to ensure that the Scotia Momentum Visa Infinite Card fits your financial goals.
   • Find the Scotiabank Momentum Visa Infinite Card and click on the “Apply Now” button. This will take you to Scotiabank’s secure online application portal, where you can start the process.
   • You’ll be guided through the online application process.

2. In-Branch:
   • Visit your nearest Scotiabank branch.
   • A bank representative can help you apply for the card in person.
3. Phone:
   • Call the Scotiabank Customer Contact Centre at 1-800-4SCOTIA (1-800-472-6842) to speak with a representative who can assist you with the application process. ¹  

Remember to have your personal information, income details, and Social Insurance Number (SIN) ready when applying.

Final Thoughts and Recommendations

In conclusion, the Scotiabank Momentum Visa Infinite is one of the top credit cards in Canada, especially for renters. By pairing it with Chexy, users can unlock impressive cashback rewards that can ease the financial burden of high rent costs. While there are some limitations, particularly regarding the annual spending cap and payout frequency, the benefits far outweigh the drawbacks for most users.

If you’re interested in maximizing your cashback potential, consider signing up for Chexy and applying for the Scotiabank Momentum Visa Infinite before the promotional deadline. This combination can lead to significant savings, especially during challenging economic times.

For anyone looking to improve their financial situation, this card is a solid choice that provides excellent value for everyday spending.

Anyone considering the card should check eligibility requirements and whether the card’s reward categories align with their actual spending. When used strategically and with an eye toward reinvesting cashback, the Momentum Visa Infinite can meaningfully boost savings year after year.

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