Scotia Momentum Visa Infinite Review for Canadians Getting Up to 4% Cash Back on Groceries and Bills
Everything Canadians need to get the most from the Scotia Momentum Visa Infinite, including up to 4% cash back on groceries and recurring bills, key fees, eligibility and Visa Infinite perks
Top cashback features for everyday Canadian spending
The Scotia Momentum Visa Infinite is built for Canadians who want straightforward, high-value cash back on daily costs. Cardholders earn 4% cash back on eligible groceries and recurring payments, 2% on gas and public transit, and 1% on everything else—making it a top pick for families and professionals who want to squeeze more value from regular spending.
Using the Scotia Momentum Visa Infinite for grocery trips to Loblaws, Sobeys or Metro and for monthly utilities or phone bills quickly boosts returns. The clear-tiered cashback structure makes it easy to prioritise purchases and maximise rewards without juggling rotating categories or complex reward charts.
Fees, interest rates and eligibility Canadians need to know
There’s an annual fee—typically $120—and additional cards cost around $50 each, so factor that into your ROI calculations. Interest rates sit near market levels for premium cards, roughly 20.99% on purchases and higher on cash advances, so this card performs best in the hands of people who pay balances in full each month to retain true cashback value.
To qualify you usually need a minimum personal income in the ballpark of $60,000 or household income around $100,000; exact requirements can vary by branch and credit profile. If your monthly spend aligns with the 4% grocery and recurring bill categories, the rewards can quickly offset the annual fee for many Canadian households.
Visa Infinite perks, travel insurance and concierge services
Beyond cash back, the Scotia Momentum Visa Infinite includes Visa Infinite benefits like dining offers, event access and a concierge service that helps book restaurants or travel. For Canadians who travel within Canada or internationally, the card’s travel insurance package—emergency medical, trip cancellation, lost baggage—adds meaningful protection and peace of mind for trips away from home.
These premium perks complement the cashback, turning the card into a lifestyle tool rather than just a rewards card. If you value travel cover and VIP experiences in addition to steady cash back, the Scotia Momentum Visa Infinite delivers a balanced proposition for urban and suburban cardholders alike.
How to apply, use strategically and final verdict
Applying is straightforward via Scotiabank’s website or at a branch; have proof of income and ID ready. To get the most from the Scotia Momentum Visa Infinite, charge recurring bills and grocery spending to the card, pay the balance monthly, and use supplementary cards for household members to concentrate rewards under one account.
For Canadians looking for a top cashback credit card with clear categories and useful travel and lifestyle perks, the Scotia Momentum Visa Infinite is a compelling option. If your spending fits the high-earning categories and you avoid interest charges by paying in full, this card can materially increase your cash back year after year.