Scotiabank · Mastercard
Scotia Momentum Mastercard Credit Card
Cash back
Annual feeNone
Foreign transaction fee2.5%
Purchase rate20.99%
Income requirementPersonal $12,000 or Household $12,000
Welcome offer
Verified · Oct 117.99% purchase rate for the first 6 months
7.99% purchase rate for the first 6 months, then 20.99%.
- Minimum spend
- —
- Apply by
- October 31, 2026
Checked on October 11, 2026. See the source page
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- No annual fee
- Foreign transaction fee
- 2.5%
- Purchase rate
- 20.99%
- Cash advance rate
- 22.99%
- Income requirement
- Personal $12,000 or Household $12,000
- Costco in store
- Accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026, and the annual fee has been checked.
Welcome offer history
I have tracked this card's welcome offer since October 11, 2026, and it has not changed. Each time it changes, the old offer will be struck through and kept here.
- Now · Checked October 11, 20267.99% purchase rate for the first 6 monthsNo annual fee
Rewards
What each category earns
| Category | Earn per $1 |
|---|---|
| Groceries | 1% |
| Dining and delivery | 0.5% |
| Gas and EV charging | 1% |
| Recurring bills | 1% |
| Transit | 0.5% |
| Drugstores | 1% |
| Travel | 0.5% |
| Entertainment | 0.5% |
| Phone and internet | 0.5% |
| Streaming | 0.5% |
| Online shopping | 0.5% |
| Convenience stores | 0.5% |
| Office supplies | 0.5% |
| Other spending | 0.5% |
High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. Imported on September 6, 2026, not checked line by line.