VisaFX: 2.5%Cash BackNo Annual Fee
Scotiabank
Scotia Momentum No-Fee Visa
Cash Back
First Year Bonus
~$250
Welcome Bonus
10% back (first 3 mo)
Annual Fee
$0
Spend Required
$2,000 (3 mo)
Apply via rebate portal
Get notified when this offer goes elevated
We'll email you if Scotia Momentum No-Fee Visa runs a higher-than-normal welcome bonus.
Data verified Apr 1, 2026
Earn rates
1%
gas, grocery, drugstore, recurring bills, transit & food delivery
0.5%
everywhere else
Points value: 0.5–1% cash back rate
Transfer partners
Cash back — no transfer partners
Lounge access
No lounge access
Additional perks
- ✓No annual fee ever
- ✓Good intro offer for a no-fee card
- ✓6-month balance transfer promo often available
Insurance coverage
Travel Medical
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty
Card details
NetworkVisa
Annual fee$0
Foreign fee2.5%
Income req.None stated
ProgramCash Back
