Scotia Momentum Visa Infinite Review 2025 Top Cashback Card for Canadians on Groceries and Bills

Scotia Momentum Visa Infinite Overview

The Scotia Momentum Visa Infinite is one of Canada’s leading cashback credit cards for everyday spending. Cardholders earn 4% cashback on eligible groceries and recurring bill payments, 2% on gas and daily transit, and 1% on everything else. For Canadians who put most household and monthly bills on plastic, the Scotia Momentum Visa Infinite turns routine spending into tangible returns.

This card pairs a high cashback rate with Visa Infinite perks that suit domestic and international travellers. Scotiabank’s brand recognition and customer service in Canada add confidence, while the card’s travel insurance, concierge and dining experiences make it a strong pick for those who want both rewards and protection.

Fees, Rates and Practical Costs

Understanding cost is key: the Scotia Momentum Visa Infinite carries an annual fee that’s competitive among premium cashback cards, listed at $120 CAD. Additional cardholders cost extra, and the nominal fees may be offset quickly by high cashback on groceries and recurring payments for families and busy households in Canada.

Interest rates are 20.99% on purchases and 22.99% on cash advances, so it’s best to pay the balance each month to preserve reward value. The card’s income requirement, typically $60,000 personal or $100,000 household, makes it aimed at middle to upper income Canadians who can take full advantage of the rewards.

Maximizing Cashback and Everyday Use

To squeeze the most from the Scotia Momentum Visa Infinite, prioritize groceries and recurring payments like phone, internet and streaming on this card. The 4% cashback category is where the card excels; using it for family grocery runs or monthly subscriptions quickly covers part of the annual fee and boosts net savings for Canadian households.

Combine the card with predictable budgeting: set recurring bill payments on the card, use it at the pump and for transit where you get 2% back, and reserve other purchases for 1%. Redeem cashback as a statement credit to lower balances or deposit rewards directly to a Scotiabank account for instant value.

Perks, Insurance and How to Apply

Beyond cashback, Scotia Momentum Visa Infinite includes travel insurance such as trip cancellation, interruption and emergency medical coverage, plus Visa Infinite benefits like concierge service and exclusive event access across Canada. These perks add tangible lifestyle value for frequent travellers and those who like premium support when booking travel or dining.

Applying is straightforward through Scotiabank online or at a branch; ensure you meet the income and credit requirements. Watch for occasional promotions like first-year fee waivers which make trying the card easier. For Canadian consumers focused on groceries, bills and practical rewards, the Scotia Momentum Visa Infinite is a top cashback contender.