Scotia Momentum Visa Infinite Review Canada 2026
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The Scotia Momentum Visa Infinite is built for families who spend heavily on groceries and recurring bills. At 20/year on the Visa Infinite network, here is everything you need to know before applying.
Scotiabank Credit Cards at a Glance
Why the Scotia Momentum Visa Infinite Stands Out
✓ What makes it worth it:
- 4% on groceries AND recurring bills is unmatched
- Recurring bills include utilities, phone, insurance, streaming
- Welcome bonus worth 00
- Visa Infinite perks and insurance
✗ What to consider:
- 20 annual fee
- ,500 spend in 90 days for bonus is steep
- 4% categories have annual caps
- Requires 0,000 household income
Verdict: Who Should Get This Card?
The highest-earning card for household expenses in Canada. If you spend 00+/month on groceries and have 00+/month in recurring bills, this card earns 00+/year in cashback. The fee pays for itself many times over for families. For more options, see our see top cashback cards guide.
Ready to apply? Go directly to Scotiabank:
APPLY ON SCOTIABANK →✓ Official Scotiabank website | ✓ Secure application | ✓ Takes 5-10 minutes
What credit score do I need for the Scotia Momentum Visa Infinite? ▼
Most Visa Infinite and premium cards require a credit score of 700+ and household income of $60,000+. Check Scotiabank's website for exact requirements.
Is the 20/year annual fee worth it? ▼
This card has no annual fee, so there is no break-even threshold. Any rewards you earn are pure profit.
Can I get the Scotia Momentum Visa Infinite as a newcomer to Canada? ▼
Scotiabank has dedicated newcomer programs. If you have been in Canada less than 5 years, check their newcomer page for cards with relaxed eligibility.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change. Verify current details directly on the Scotiabank website before applying.
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