Scotia Momentum® Visa Infinite Card
Get all the information about the Scotia Momentum® Visa Infinite Card.
By: Alicia
Cash Back Rewards
The Scotia Momentum® Visa Infinite Card provides an attractive cash back rewards program, enabling cardholders to earn a percentage of their expenditures on a wide range of everyday purchases. This benefit allows users to accumulate cash back on items such as groceries, gas, dining, and other routine expenses, making it easier to save money while managing their finances efficiently. The cash back is usually credited on an annual basis, maximizing your flexibility in how you use the rewards. Ideal for individuals seeking to optimize their spending, the card offers an enhanced value proposition by integrating these rewards seamlessly into your regular shopping habits.
Comprehensive Insurance Benefits
Scotia Momentum® Visa Infinite Cardholders enjoy a comprehensive array of insurance benefits that cater to various needs and circumstances. These include robust travel insurance, which covers unexpected disruptions and emergencies during their journeys, providing peace of mind while exploring new destinations. Additionally, the card offers purchase protection insurance, safeguarding purchases against theft or damage, assuring cardholders that their items are well protected after they buy them. Rental car insurance is also a key feature, offering coverage that often eliminates the need for additional insurance when renting a vehicle, ensuring that any accidents or damages are managed without additional costs. Beyond these, there are numerous other benefits and essential coverages, all designed to offer extensive protection and convenience in different aspects of cardholders’ lives.
Access to Special Offers and Privileges
Scotia Momentum® Visa Infinite Cardholders frequently enjoy access to a wide range of special offers and exclusive discounts that enhance their lifestyle. These perks include dining deals at fine restaurants, giving cardholders a chance to experience exquisite cuisine at a more affordable price. Additionally, there are attractive discounts on entertainment options, such as movie tickets, concert passes, and theater shows, allowing cardholders to indulge in various cultural and leisure activities. Travel benefits are also a significant highlight, with offers on flight tickets, hotel accommodations, and vacation packages, providing cardholders an opportunity to explore new destinations while enjoying savings.
Concierge Services
The card offers access to a range of concierge services that can be incredibly helpful. These services include assistance with making restaurant reservations, ensuring you can secure a table at popular dining locations even during peak times. Additionally, the concierge can help with purchasing tickets for various events, whether it’s a concert, a theater performance, or a sports game, making it easier for you to enjoy entertainment without the hassle of booking. Furthermore, the service provides travel assistance, offering support with arrangements such as booking flights, arranging accommodations, and even providing recommendations and itinerary planning to ensure a smooth and enjoyable travel experience.
Airport Priority
Many Visa Infinite cards offer access to airport lounges worldwide, providing cardholders with an enhanced travel experience. These lounges often include comfortable seating, complimentary refreshments, Wi-Fi access, and sometimes even spa services or private meeting rooms, making long layovers or early arrivals more pleasant and relaxing. By having access to such exclusive spaces, travelers can enjoy a quieter, more comfortable environment away from the usual airport hustle and bustle, enhancing overall journey satisfaction.
The Scotia Momentum® Visa Infinite Card stands out as one of Canada’s most compelling cashback credit card options for discerning consumers who seek high returns on everyday spending, robust travel protections, and premium perks. Tailored to individuals with established credit profiles and higher income levels, this card delivers a well-structured rewards scheme that meaningfully enhances your purchasing power.
Cashback Rewards
-
Cardholders earn 4% cashback on purchases at supermarkets and recurring bill payments—such as utilities, streaming subscriptions, and telecommunications—capped at C$25,000 annually, then reduced to 1%.
-
2% cashback applies to eligible gas and daily transit expenses.
-
1% cashback is awarded on all other qualifying purchases, without any cap.
This structure allows frequent spenders to maximize earnings precisely where it matters most: essential living costs.
First-Year Incentive
New customers benefit from an introductory offer: 10% cashback on all purchases during the first three months, up to C$2,000 in total spend. Additionally, the annual fee is waived for the first year. Together, these incentives deliver immediate value and offset the eventual fee.
Annual Fee and Qualifications
From the second year onward, the card carries an annual fee of C$120, which becomes more than justified through consistent use and accumulated rewards. To qualify, applicants must demonstrate a minimum personal income of C$60,000 or household income of C$100,000, combined with a strong Canadian credit history.
Premium Travel and Lifestyle Benefits
As a Visa Infinite product, administrative and concierge services are available 24/7. Cardholders also gain access to exclusive experiences—such as luxury hotel enhancements (upgrades, late checkout, complimentary breakfast) and curated dining or cultural events. These enhancements offer real value to frequent travelers and lifestyle-oriented professionals.
Comprehensive Insurance Coverage
The card includes one of the most extensive insurance portfolios found in its class:
-
Emergency medical coverage during travel
-
Trip cancellation and interruption protection
-
Flight delay and baggage delay insurance
-
Collision and damage insurance for rental vehicles
-
Cellphone and device protection
These guarantees reduce the need for separate travel or rental insurances, consolidating financial safety into one product.
Additional Value
Cardholders can take advantage of Avis and Budget rental car discounts and the seamless integration with mobile wallets (Apple Pay, Google Pay) enables secure, contactless transactions.
Conclusion
The Scotia Momentum Visa Infinite Card offers a compelling value proposition for people who prioritize cashback on everyday essentials, comprehensive travel and insurance benefits, and aspirational lifestyle privileges — all backed by a well-established rewards framework. For individuals capable of meeting the income threshold and who regularly spend in high-earning categories, the card delivers both immediate and long-term financial gains, making it a powerful tool for managing and optimizing spending behavior.