Scotiabank Momentum Visa Infinite +
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New! Referral program

Earn an extra $25 for each person you refer! They will also receive $25 on their first cash back of at least $50.

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Scotiabank Momentum Visa Infinite + Card: $150 via Interac e-Transfer or $150 Amazon.ca gift card

Choose to receive either $150 via Interac e-Transfer or a $150 Amazon.ca gift card if your application is approved.

  • Earn 15% Cash Back on all purchases for the first 3 months (up to $2,000 in total purchases).1
    • Plus, get a 0% introductory interest rate on balance transfers for the first 12 months (2% fee per cash advance, 22.99% after that).
  • No annual fee in the first year, including on additional cards.¹  
  • 4% for every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases
  • 2% for every $1 you spend on gas and daily transit purchases 
    • New 2% Cash Back earn category: You will earn 2% on all eligible purchases of Food Delivery.¹
  • 1% cash back on all other purchases with no cashback limit
  • Redeem your Cash Back anytime ($25.00 minimum required)
  • 10GB of free GigSky global mobile data for 15 days
  • Visa Infinite* Concierge Services
  • Visa Infinite* Hotel Collection
  • Visa Infinite* Dining and Wine Country program
  • Comprehensive Travel Insurance & New Mobile Device Insurance coverage

Other requirements:

  • You must not have signed up for a Scotiabank Momentum Visa Infinite + Card before
  • You must follow the link from this site and apply for a Scotiabank Momentum Visa Infinite + Card within the same browser session
  • To report missing Cash Back, you must contact High Interest Savings within 2 months of online application approval, otherwise the Cash Back is void.
  • To ensure that you receive your Cash Back, please save the application reference number. In the event that you need to report the rebate as missing, the application reference number will help expedite the approval of your request. High Interest Savings reserves the right to approve or decline reports of missing rebates.

Rates, fees and other information are effective as of July 2, 2026. Subject to change.

1 Offer Description and Conditions: The 15% Cash Back, Introductory 0% Balance Transfer Rate and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotia Momentum Visa Infinite + credit card accounts (“Accounts”) that are opened, and any additional Account cards issued, between July 2, 2026 and November 1, 2026 (regardless of the date you apply for the Account) subject to the conditions below.  We will waive the annual fee for the primary card and each additional card on the Account for the first year only. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. 
15% Cash Back Offer Description and Conditions: You will earn 15% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers and cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Regular Cash Back Program Rate”) as described in the Scotia Momentum Visa Infinite + Cash Back Program Terms and Conditions (the “Program Terms”). The 15% cash back rate for any category is made up of the sum of: (i) the Regular Cash Back Program Rate (variable by category as set out under the Program Terms); and (ii)  a bonus rate that will vary depending on the Regular Cash Back Program Rate (the “Cash Back Top Up Rate”).  
Cash back earned under this Offer can be redeemed to your Account provided it is open and in good standing at the time of redemption:
1.    Bonus Cash Back: The amount earned under the Cash Back Top Up Rate will be available for redemption to your Account after approximately 5 months from the Account open date or otherwise in accordance with the Program Terms.
2.    Regular Cash Back: The amount earned under your Regular Cash Back Program Rate can be redeemed to your Account as described in the Program Terms..
EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 4% then the Cash Back Top Up Rate will be 11% for that category so that you will earn a total of 15% on the amount of all eligible everyday purchases in that category during the Promotional Period  up to a total of $2,000 in purchases. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be as follows: 
(1) the Cash Back Top Up Rate  earnings of $220 (11% x $2,000) (shown as an adjustment in your monthly statements), and 
(2) the Regular Cash Back Program Rate earnings of $80 (4% x $2,000) (shown as cash back earned in your monthly statements).
All other terms and conditions of the Program Terms continue to apply during and after the Promotional Period.
Introductory 0% Balance Transfer Rate Offer Description and Conditions: The Introductory 0% Balance Transfer Rate Offer (the “BT Rate Offer”) applies only to eligible cash advances (including balance transfers and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies for 12 months from date of Account opening (the “BT Promotional Period”).  After the BT Promotional Period, the promotional 0% interest rate on any Cash Advances (including any amount of those Cash Advances that remain unpaid after the BT Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%).  A balance transfer fee of 2% of the amount of each Cash Advance transferred or made during the BT Promotional Period applies (minimum fee of $5.00).   
This BT Rate Offer is subject to any Cash Advance limits on your Account. This BT Rate Offer is also subject to the approved credit limit that is being offered to you as of the date of this BT Rate Offer.  This means if a balance transfer amount(s) requested exceeds your approved credit limit as of the date this BT Rate Offer was provided to you, it may not be processed. This BT Rate Offer cannot be used for any Scotiabank account including to transfer a balance from another Scotiabank account, or to make a payment or deposit to another Scotiabank account. 
Losing your promotional rate: If we don’t receive  the minimum payment on your Account by the payment due date on your statement, two consecutive times, you will lose the benefit of this promotional BT Rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 25.99% on purchases and 27.99% on Cash Advances). 
How we apply payments: For Quebec residents: In general, if you have different interest rate(s) that apply to your Account, we apply payments to transactions based on the interest rate(s) that applies to those transactions on your Account (from highest to lowest rates). For non-Quebec residents: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account. 
Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card and each additional card issued between July 2, 2026 and November 1, 2026 on the Account for the first year only.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer. By accepting this Offer you confirm you meet all Offer eligibility requirements. We reserve the right to revoke this Offer at any time if we determine you do not meet the Offer eligibility requirements, including after you have accepted the Offer or been approved for the Account.
Rates and Fees: The current annual fee is $120 for the primary card and $50 for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on Cash Advances. All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

The $150 Interac e-Transfer and $150 Amazon.ca gift card are not funded by Scotiabank. If you have any queries related to this offer, please contact High Interest Savings Cash Back.