Scotiabank

9 personal cards. Showing cash back.

Scotia Momentum Visa Infinite+ Card

First year freeVisa

Best for groceries and recurring bills

Welcome offer: 15% cash back on first $2,000 in 3 months
Annual fee: ~~$120~~ $0; in year one
Min. income: $60K; or $100K household

How you earn and offer details

Earn: 4% on groceries and recurring payments; 2% on gas, EV, transit, rideshare and delivery (each capped at $25,000/yr); 1% on everything else

Offer details: 15% cash back on first $2,000 in 3 months plus 0% balance transfers for 12 months (2% fee) and first-year fee waived; open by Nov 1, 2026

Apply at Scotiabank

Scotia Momentum No-Fee Visa Card

Visa

Best for no-fee basic cash back

Welcome offer: 5% cash back on first $2,000 in 3 months
Annual fee: $0

How you earn and offer details

Earn: 1% on groceries, delivery, drugstores, gas, EV, transit, rideshare and bills (capped at $15,000/yr); 0.5% on everything else

Offer details: 5% cash back on first $2,000 in 3 months plus 0.99% balance transfers for 9 months; open by Nov 1, 2026

Apply at Scotiabank

Scotia Momentum Visa Card

Visa

Best for everyday cash back, modest fee

Welcome offer: 0.99% on balance transfers for 9 months
Annual fee: $49

How you earn and offer details

Earn: 2% on groceries, delivery, drugstores, gas, EV, transit, rideshare and bills (capped at $25,000/yr); 1% on everything else

Offer details: 0.99% on balance transfers for 9 months; open by Jan 3, 2027

Apply at Scotiabank

Offers checked weekly. Last checked Oct 4, 2026. Always confirm the current offer on Scotiabank's site before applying.