Scotia Momentum Visa Infinite Card

Published minimum income $60,000

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

Less suitable if: you do not recover at least $120 in value to offset the annual fee.

Estimate with my spending

Futello estimate

Net value, first year

$200.00

The bonus in dollars, minus the fees to earn it.

Fee: $0 in year one ($120 rebate), then $120

Offer verified on November 5, 2026

Access application (via Milesopedia) ↗

Secure link via our official partner Milesopedia. You will be guided to Scotiabank Canada’s site to complete your application.

View calculation details

Offer (first 12 months): $320.00
− First-year fees: $120.00
= First-year net value: $200.00

For a spending profile of $36,000 a year

The offer plus the card’s rewards on this profile. The net value above counts the offer only.

Rewards net of annual fees (balanced scenario): $757.50
+ First-year fee rebate: $120
+ Offer (first 12 months): $320
= Estimate for this profile, offer included: $1,197.50

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

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: 10 %
Conditions: $2,000 in spending within 3 months

See the offer detail

Promotional value of $200 Spend $2,000 within 3 months
Annual fee rebate: $120
End date: April 30, 2027
Offer quality: Good 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

November 3, 2026 10 % $2,000 in spending within 3 months 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, Gas, Food delivery, Transit, taxis and ridesharing, and Taxis and ridesharing	2%	$25,000 cap / year · 1% after the cap
Groceries and Pre-authorized payments	4%	$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 recurring bills and subscriptions

American Express Cobalt CardAmerican Express Canada · American Express

Annual fees: $191.88
Annual net value: $59.21

View card

Scotia Momentum Visa Card for StudentsScotiabank Canada · Visa

Annual fees: $49
Annual net value: $44.73

View card

Go further

Sources and uncertainties

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

View source