Scotia Momentum VISA Infinite
The Scotia Momentum® VISA Infinite Card* is one of Canada’s leading cash back credit cards, offering high returns on groceries, gas, recurring bills, and daily transit. Designed for individuals and families who spend consistently on essentials, this premium card combines strong rewards, robust insurance coverage, and exclusive Visa Infinite privileges — all for a competitive annual fee.
Top Features of the Scotia Momentum VISA Infinite Card
- 4% cash back on eligible groceries and recurring bill payments
- 2% cash back on eligible gas and transit purchases (including public transportation, rideshares, and taxis)
- 1% cash back on all other eligible purchases
- Welcome offer: earn 10% cash back on all purchases for the first 3 months (up to $2,000 in spend) and first-year annual fee waived (limited-time offer)
- Comprehensive travel insurance including trip interruption, flight delay, rental car collision, and more
- Mobile device insurance on new phones purchased with the card
- Visa Infinite benefits, including 24/7 concierge, hotel upgrades, and wine country experiences
- Annual fee: $120 (rebated in the first year for new cardholders)
Pros and cons at a glance
Some food vendors or specialized local suppliers may not classify as grocery for rewards
Pros
- Permanent 4% on groceries and recurring payments
- Simple, transparent cash rewards rather than points
- Options to receive cashback as a statement credit or direct deposit
- Welcoming first-year fee waiver often available
Cons
- 2.5% foreign currency conversion fee
- Annual fee ($120) after the first year
- 4% category capped at $25,000 annually
Why the 4% category matters
The permanent 4% cashback on groceries and recurring payments is the main selling point. Many cards advertise high introductory cashback rates that drop after a promotional period. The Momentum Visa Infinite keeps the 4% ongoing, which makes it a strong long-term option for people whose regular spending matches the card’s rewarded categories.
Simple math shows the value. For example, a household spending $1,000 per month on groceries spends $12,000 a year. At 4% cashback that equals $480 per year, which already offsets a significant portion of the annual fee.
Maximizing cashback with recurring payments
Recurring payments covered by the 4% rate include traditional items like insurance premiums, utilities, gym memberships, and streaming subscriptions like Netflix. The easiest way to increase cashback without increasing overall spending is to switch the payment method for these recurring bills to the Momentum Visa Infinite.
There is also a practical way to get very large expenses recognized as recurring payments: use a third-party bill payment service that accepts credit cards for one-time or scheduled large payments. These services charge a processing fee, but in many cases the 4% cashback still exceeds the fee and yields a net positive return.
Example: paying rent or taxes via a third-party service
- Third-party fee example: 1.75% charged by some services for paying rent or taxes with a credit card.
- Cashback: 4% on the transaction.
- Net benefit: 4.00% minus 1.75% equals 2.25% net cashback on the full amount.
- Concrete example: A $3,000 tax payment via such a service would generate $120 cashback and cost $52.50 in fees, netting $67.50 positive.
This approach lets cardholders include very large existing expenses in their 4% category and dramatically raise annual cashback totals.
Why Choose the Scotia Momentum VISA Infinite Card?
With 4% cash back on essential spending, this card delivers serious long-term value — especially for families or individuals with high recurring expenses. Combined with premium insurance, Visa Infinite perks, and a strong welcome offer, the Scotia Momentum VISA Infinite is a smart and rewarding option for Canadians seeking premium cash back with built-in protection.
Apply for the Scotia Momentum VISA Infinite Card Today
Earn up to 4% cash back, enjoy first-year fee savings, and get access to travel insurance, mobile protection, and Visa Infinite experiences. Apply for the Scotia Momentum VISA Infinite Card today and make your everyday purchases work harder for you.
