Scotia Momentum Visa Infinite + Card
Households with large grocery and bill spending who want maximum cash back.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
Canada's perennial best-cash-back-card winner: 4% on groceries and recurring payments plus strong insurance easily outearns the annual fee for most families.
Reward rates
Groceries $25,000 combined annual spend cap with recurring payments | 4% |
Recurring bill payments | 4% |
Gas & EV charging $25,000 combined annual spend cap with transit, rideshare and food delivery | 2% |
Transit, rideshare & food delivery | 2% |
Everything else | 1% |
Welcome bonus
15% cash back on first $2,000 in purchases (up to $300) plus first-year annual fee waived ($120 value)
Requirement: Earn 15% on up to $2,000 in everyday purchases in the first 3 months. Offer for accounts opened May 1 - Nov 1, 2026
Pros
- Top-tier 4% on groceries and recurring bills
- Multi-year winner of best cash back card awards
- Anytime redemption and full insurance package
Cons
- $120 annual fee after the first year
- $25,000 caps on each accelerated tier
- 2.5% foreign transaction fee
Perks
- 4% cash back on groceries and recurring payments
- Redeem cash back anytime ($25 minimum) - no waiting for an annual payout
- Mobile device insurance included
- Visa Infinite dining, hotel and concierge privileges
- Up to 7 cents/L in fuel savings at Shell
Insurance
- Travel emergency medical insurance
- Trip cancellation and trip interruption insurance
- Flight delay insurance
- Delayed and lost baggage insurance
- Rental car collision/loss damage insurance
- Mobile device insurance
- Purchase security and extended warranty protection
Frequently asked questions
Is the Scotia Momentum Visa Infinite + Card worth it?
It charges a $120 annual fee, and we rate it 4.5 out of 5. It's best suited to households with large grocery and bill spending who want maximum cash back. The welcome bonus is worth roughly $420, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the Scotia Momentum Visa Infinite + Card earn?
It earns 4% on groceries, 4% on recurring bill payments and 2% on gas & ev charging.
What credit score do you need for the Scotia Momentum Visa Infinite + Card?
We'd suggest a score of around 725 or higher, which puts approval in our "hard" band. It also lists an income requirement of $60,000 personal or $100,000 household. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“Scotia Momentum Visa Infinite + Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/scotia-momentum-visa-infinite, updated June 2026.
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