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Scotia Momentum Mastercard Credit Card
CANADA CREDIT CARD

Scotia Momentum Mastercard Credit Card

Scotiabank · Annual fee CA$0 CAD · Cash · data refreshed October 3, 2026

Quick answer: The Scotia Momentum Mastercard Credit Card carries a CA$0 annual fee and 0 catalogued benefits; its best earning category is Groceries at 1x. MaxWorth is the only benefits tracker with hand-verified Canadian card data, and it never asks for a bank login.

Earning rates

CategoryRateTrue cash-back value
Groceries1x1%
Gas1x1%
Drugstores1x1%
Recurring Bills1x1%
Everything else0.5x0.5%

True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.

How to track it

Add the Scotia Momentum Mastercard Credit Card to MaxWorth and every credit above appears with its cycle set; you get a push before each one expires and the card's annual-fee ROI runs from what you mark used. No Canadian bank account is ever connected. What MaxWorth covers for Canadian cards.

Other Scotiabank cards

Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in CAD. Methodology.