Scotia Momentum Visa Card

Relevant if: you can benefit from its documented earning categories.

Less suitable if: you do not recover at least $49 in value to offset the annual fee.

Annual fee: $49
Reward type: Cash back
Welcome offer: Confirmed offer · not valued in the estimate
First-year estimate (without the offer): $513.50

Data verified on September 7, 2026

Estimate with my spending

Futello estimate

Estimated net value — first year, without the offer

$513.50

Annual fee thereafter: $49
First-year fee: To be confirmed — recurring fee of $49

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View calculation details

This estimate combines the card’s ongoing value in a balanced scenario with the portion of its welcome offer earned during the first 12 months.

Ongoing net value in the scenario: $513.50
Recurring annual fee already deducted: $49
Welcome-offer value earned during the first 12 months: Offer confirmed, but not yet valued by Futello — not included
First-year fee: To be confirmed — recurring fee of $49

Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Gas / charging$4,500
Groceries$11,250
Pre-authorized payments$4,500
Restaurants$4,500

A welcome offer is confirmed for this card, but Futello does not yet have a certified value to include it. The estimate is therefore limited to the card’s recurring value minus the first-year fee; the real first-year value will be higher if you meet the offer’s conditions.

The total amount matches the selected level and is applied entirely to this card. Rewards are projected from the certified balanced scenario; fees are never multiplied. A first-year fee rebate is applied only when confirmed in the published offer. Ordinary rewards on required spending are not counted twice.

First year

Welcome offer

Current offer · not enough history to compare
Offer quality: Fair Futello rating grid

Welcome bonus: 0.99 $ CAD
Last verified: August 30, 2026 · Verified 22 days ago

First observed by Futello — August 19, 2026

Historical context

Futello does not yet have enough verified history to compare this offer.

Facts come from the data published by Futello (official issuer source, verified history). The page does not estimate anything on its own. Are credit-card welcome bonuses worth it? · How offers are evaluated

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Earning

Rewards

Category	Reward	Conditions
Transit, taxis and ridesharing, Drugstores, Electric vehicle charging, Food delivery and food subscriptions, Gas, Groceries, Pre-authorized payments, Streaming subscriptions, and Taxis and ridesharing	2%	$25,000 cap / year · 1% after the cap
Other purchases	1%	No published cap

Go further

Evergreen guides with no numbers that go stale, and the full Futello methodology.

Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

View source