Scotiabank · Visa
Scotia Momentum Visa Card
Cash back
Welcome offer
Verified · Oct 110.99% on balance transfers for the first 9 months
Earn a 0.99% rate on balance transfers and cash advances made within 9 months of opening the account (2% fee per transaction, $5 minimum), then 22.99%.
- Minimum spend
- —
- Apply by
- January 3, 2027
Checked on October 11, 2026. See the source page
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- $49
- 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
- Not 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, 20260.99% on balance transfers for the first 9 monthsAnnual fee $49 · No first-year waiver
Rewards
What each category earns
| Category | Earn per $1 |
|---|---|
| Groceries | 2% |
| Dining and delivery | 1% |
| Gas and EV charging | 2% |
| Recurring bills | 2% |
| Transit | 2% |
| Drugstores | 2% |
| Travel | 1% |
| Entertainment | 1% |
| Phone and internet | 1% |
| Streaming | 2% |
| Online shopping | 1% |
| Convenience stores | 1% |
| Office supplies | 1% |
| Other spending | 1% |
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.
Included insurance
- Extended warranty
- 1 year
- Purchase protection
- 90 day(s)
Coverage amounts and number of days are as stated in the certificate of insurance.