Scotia Momentum Visa Card

Published minimum income $12,000

Relevant if: you use the Scene+ program and its documented categories.

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

Estimate with my spending

Futello estimate

Estimated net value — first year, without the offer

$513.50

Confirmed offer · not valued in the estimate

Fee: year one to be confirmed, then $49

Offer verified on November 5, 2026

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For a spending profile of $36,000 a year

Rewards net of annual fees (balanced scenario): $513.50
+ Offer (first 12 months): Offer confirmed, but not yet valued by Futello — not included
= Estimate for this profile, without the offer: $513.50

Basket breakdown · Balanced reference scenario

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

Everyday purchases$11,250
Groceries$11,250
Restaurants$4,500
Gas / charging$4,500
Pre-authorized payments$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 whole selected basket goes on this card, per the certified balanced scenario. Fees counted once; first-year rebate only when the published offer confirms it; rewards on required spending never counted twice.

Welcome offer

Current offer

Welcome bonus: 0.99 %
Conditions: Bonus component Earn within 9 months
End date: End date not published
Offer quality: Fair Futello rating grid
Last verified: Verified today

First observed by Futello — August 19, 2026

Email me if this offer changes

Offer history: too short to compare

September 13, 2026 0.99 % current offer

Facts from the issuer’s official site and Futello’s verified history. How offers are evaluated

Rewards

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

Role in a strategy

Comparable alternatives

Published values use the same scenario within each use; groups do not form one overall ranking.

Best for pharmacies

American Express Gold Rewards CardAmerican Express Canada · American Express

Annual fees: $250
Annual net value: $55.33

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Scotia Momentum Visa Card for StudentsScotiabank Canada · Visa

Annual fees: $49
Annual net value: $44.73

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Go further

Sources and uncertainties

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

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