La carte Scotia Momentum Visa Infinite

No annual fee. Unlimited 4% cash back on groceries and recurring bills. 1% cash back everywhere else. Earn while you spend, with your Scotia Momentum Visa Infinite.

How to Increase Your Credit Limit?

The Scotia Momentum Visa Infinite typically starts with a credit limit between $5,000 and $15,000, depending on your credit profile and income. Over time, Scotiabank may automatically review your account every six to twelve months to consider an increase, but you can also request one directly through Scotia Online or by contacting customer service. The bank evaluates your payment history, credit utilization ratio, and overall financial behavior to decide whether you qualify for a higher limit.

Taking proactive steps can significantly improve your chances of approval. Actions like linking your accounts through Open Banking, maintaining a utilization below 30%, and setting up automatic payments all demonstrate responsible credit management. Each positive behavior signals to Scotiabank that you’re a low-risk cardholder, which often leads to faster and larger limit increases. The simulator below shows how these specific actions can boost your estimated limit in real time.

Key Benefits for You

The Scotia Momentum Visa Infinite rewards cardholders with 4% cash back on groceries and recurring bill payments, plus 2% back on gas and daily transit. These accelerated rates apply to the first $25,000 spent annually in combined eligible categories, after which all purchases earn 1% cash back. Unlike points programs that require redemption calculations, this card deposits cash directly into your account each statement period, making the value transparent and immediate.

Additional perks include comprehensive travel insurance coverage (emergency medical, trip cancellation, lost baggage) and mobile device insurance when you pay your phone bill with the card. Scotiabank also offers purchase protection and extended warranty on eligible items, adding a layer of security to everyday spending. The annual fee of $120 can be offset quickly if you consistently use the card for groceries and bills, particularly for households with higher monthly expenses in these categories.

Credit Card Comparison

The Scotia Momentum Visa Infinite stands out in the Canadian market with its 4% cashback on groceries and recurring bills (up to $25,000 annually), significantly outperforming most competitors that typically cap out at 2% to 3% in these categories. Its $120 annual fee is offset quickly by moderate spending: just $250 monthly in groceries already generates $120 in annual cashback, effectively covering the cost before adding gas, transit, and other eligible purchases.

When comparing accelerated earn rates, the Momentum Infinite competes directly with premium cashback cards like the Tangerine World and RBC Cash Back Preferred—but its combined 4% tier for both groceries AND recurring bills (streaming, utilities, phone plans) creates more earning opportunities than cards that separate these into lower tiers. Approval typically requires personal income of $60,000+ or household income of $100,000+, positioning it as a mid-to-premium tier offering accessible to a broader audience than ultra-premium cards demanding $150,000+ income.

Which card is better for you?

The Scotia Momentum Visa Infinite stands out in the premium cash back segment with its 4% return on groceries and recurring bills, a rate that few competitors match in the Canadian market. When compared to cards like the Tangerine Money-Back or the PC Financial World Mastercard, the Momentum pulls ahead on everyday spending categories, though it carries a $120 annual fee versus their no-fee structures. The trade-off becomes clear when your household grocery spend exceeds $250 per month—the cash back quickly offsets the annual cost and delivers net savings that free alternatives simply can't replicate.

Beyond groceries, the card's 2% return on gas and daily transit makes it a strong contender for commuters, while the 1% base rate on all other purchases ensures no transaction goes unrewarded. Cards like the RBC Cash Back Preferred World Elite offer tiered structures that can rival the Momentum in specific months, but consistency across the calendar year gives Scotiabank's product an edge for budgeting. The real decision hinges on your spending profile: high-volume grocery shoppers and regular transit users will see immediate value, whereas light spenders may find better alignment with a no-fee cash back card that delivers smaller returns without the upfront cost.

Will I Get Approved?

Before submitting your application for the Scotia Momentum Visa Infinite, understanding your approval odds can save time and protect your credit score from unnecessary inquiries. This card typically requires a minimum personal income of C$60,000 (or C$100,000 household income), along with a good to excellent credit score—generally 660 or higher. Applicants with a clean credit history and stable employment tend to see the fastest approvals, often within minutes online.

If your score sits below 660 or you carry outstanding collections, your chances drop significantly—Scotiabank prioritizes low-risk profiles for premium Infinite-tier products. In such cases, exploring entry-level or secured alternatives may yield better results and help you rebuild credit before reapplying. The interactive tool below estimates your likelihood based on three key factors: monthly income, credit score range, and any negative marks on your file.

The Scotia Momentum Visa Infinite stands out as a compelling choice for Canadians who want to earn up to 4% cash back on groceries and recurring bills, combined with strong travel rewards and comprehensive insurance coverage. Its C$120 annual fee is easily offset by the generous earn rates—especially if you spend C$250 or more monthly on everyday categories. The card's first-year fee waiver and welcome bonus of up to C$200 further sweeten the deal, making it accessible even to applicants new to premium products. However, the income threshold and credit score requirements mean it's best suited to those with stable finances and a solid repayment history. If you meet the criteria, this card delivers exceptional value; if not, exploring entry-level or secured alternatives will help you build toward approval in the future.