Cash back card · Scotiabank
Scotia Momentum Visa Infinite
Scotiabank · Visa · cash back
Below is every rate the Scotia Momentum Visa Infinite earns, each one quoted from Scotiabank's own terms with the clause and the date we checked it. The $120 annual fee is shown on its own, never subtracted from a rate.
4%
Top rate
1%
Base rate
$120
Annual fee
2.5%
FX fee
Last updated Reviewed by
This card also earns a place on Verdict's best-of rankings for groceries, dining, gas, transit and recurring.
Everything it earns
every rate quoted from Scotiabank's terms · annual fee shown separately, never netted4%
Groceriesverified Jul 7, 2026Read the clause
Verbatim clause from Scotiabank's terms
“You will earn 4% Cash Back on eligible Purchases on your Account at grocery and on recurring bill payments. 4% cash back applies at merchants which are classified in the Visa Inc. (Visa) network as Grocery Stores and Recurring Payments (Merchant Category Codes ("MCC"): 5411).”
Cap $25,000 / yr
Read the source termsRecurringverified Jul 7, 2026Read the clause
Verbatim clause from Scotiabank's terms
“Recurring Bill Payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your Account. Recurring Bill Payments typically include telecommunication, insurance, membership, subscriptions purchases.”
Cap $25,000 / yr
Read the source terms2%
Gasverified Jul 7, 2026Read the clause
Verbatim clause from Scotiabank's terms
“You will earn 2% Cash Back on eligible Purchases on Gas Stations, Electric Vehicle (EV) Charging Stations, Transit, Rideshare and Food Delivery ... (Merchant Category Codes ("MCC"): 5411, 5541, 5542, 5552, 4111, 4112, 4121, 4131, 4789).”
Cap $25,000 / yr
Read the source termsTransitverified Jul 7, 2026Read the clause
Verbatim clause from Scotiabank's terms
“You will earn 2% Cash Back on eligible Purchases on Gas Stations, Electric Vehicle (EV) Charging Stations, Transit, Rideshare and Food Delivery ... (Merchant Category Codes ("MCC"): 5411, 5541, 5542, 5552, 4111, 4112, 4121, 4131, 4789).”
Cap $25,000 / yr
Read the source termsDiningverified Jul 7, 2026Read the clause
Verbatim clause from Scotiabank's terms
“You will earn 2% Cash Back on eligible Purchases on ... Food Delivery (Includes transactions made via eligible food delivery services selected by Scotiabank which is subject to change).”
Cap $25,000 / yr
Read the source terms1%
Everything elseverified Jul 7, 2026
The everyday earn outside any bonus category, no cap
Annual fee
Shown on its own, never subtracted from the rates above
$120
Foreign transaction fee
On purchases in a currency other than Canadian dollars
2.5%
How we verify
Every rate on this page is quoted from Scotiabank's current terms and dated the day we last checked it. When the terms change, the page regenerates. Reviewed by Spotted something off? or email us at
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