VisaFX: 2.5%Cash Back
Scotiabank
Scotia Momentum Visa
Cash Back
First Year Bonus
~$220
Welcome Bonus
10% back (first 3 mo)
Annual Fee
$49
Spend Required
$2,000 (3 mo)
Apply via rebate portal
Updated Apr 10
Portal links are affiliate links — PointsBinder may earn a commission at no extra cost to you. How we make money
Get notified when this offer goes elevated
We'll email you if Scotia Momentum Visa runs a higher-than-normal welcome bonus.
Data verified Apr 12, 2026
Earn rates
2%
gas, grocery, drugstore & recurring bills
1%
everywhere else
Points value: 1–2% cash back rate
Transfer partners
Cash back — no transfer partners
Lounge access
No lounge access
Additional perks
- ✓Lower fee mid-tier cash back card
- ✓Good for those who don't qualify for VI income threshold
Insurance coverage
Travel Medical
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty
Card details
NetworkVisa
Annual fee$49
Foreign fee2.5%
Income req.None stated
ProgramCash Back
