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Scotia Momentum Visa Infinite Card
CANADA CREDIT CARD

Scotia Momentum Visa Infinite Card

Scotiabank · Annual fee CA$120 CAD · Cash · data refreshed October 3, 2026

Quick answer: The Scotia Momentum Visa Infinite Card carries a CA$120 annual fee and 9 catalogued benefits; its best earning category is Groceries at 4x. Welcome offer: 10% cash back on up to $2,000 in first 3 months. 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
Groceries4x4%
Recurring Bills4x4%
Gas2x2%
EV Charging2x2%
Transit2x2%
Everything else1x1%

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

Protections (9)

Travel Emergency Medical Insurance

CA$100/yr
Annual

Out-of-province/country emergency medical insurance providing up to $1,000,000 CAD in coverage for the first 15 days of any trip (for cardholders under 65). Includes emergency medical treatment, hospitalization, prescriptions, and medical transport.

Auto Rental Collision Insurance

CA$75/yr
Annual

Auto rental collision and loss damage insurance covering damage to or theft of a rental vehicle when the full rental cost is charged to the card and the rental company's collision damage waiver is declined.

Mobile Device Insurance

CA$50/yr
Annual

Mobile device insurance providing up to $1,000 CAD coverage for loss, theft, or damage to your mobile device when the monthly wireless bill is charged to the card.

Trip Cancellation Insurance

CA$50/yr
Annual

Trip cancellation and interruption insurance covering up to $1,500 per insured person for trip cancellation and up to $2,000 for trip interruption, to a maximum of $10,000 per trip. Covers cardholder, spouse, and dependent children.

Flight Delay Insurance

CA$25/yr
Annual

Flight delay insurance providing up to $500 per insured person for reasonable and necessary expenses when a flight is delayed.

Baggage Insurance

CA$25/yr
Annual

Baggage delay and loss insurance providing up to $500 per insured person for emergency purchases when baggage is delayed or lost during a covered trip.

Purchase Security

CA$25/yr
Annual

Purchase security covering eligible new items purchased with the card against theft or accidental damage for up to 90 days from the date of purchase.

Extended Warranty

CA$25/yr
Annual

Extended warranty coverage that doubles the original manufacturer's warranty for a period equal to the manufacturer's warranty or 1 year, whichever is lesser. Items must be purchased entirely with the card.

Travel Accident Insurance

CA$10/yr
Annual

Common carrier travel accident insurance providing up to $500,000 per person in accidental death and dismemberment coverage when the full fare is charged to the card.

How to track it

Add the Scotia Momentum Visa Infinite 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.