When can you redeem your cash back with the Scotia Momentum Visa Infinite+ Card?

You can redeem your cash back as soon as your balance reaches $25, at any time, via the Scotia app or Scotia Online. There’s no longer any need to wait until November as was previously the case.

What cash back rate does the Scotia Momentum Visa Infinite+ Card offer?

The card offers 4% cash back on grocery purchases and recurring bill payments (insurance, subscriptions, etc.), 2% on gas and public transit, and 1% on all other purchases.

Is there an annual limit for the boosted 2% and 4% rates?

Yes. The 2% and 4% rates apply up to $25,000 in combined annual purchases in these categories (about $2,000 per month). Beyond that limit, all purchases earn 1%.

Can you get 4% cash back on gift cards bought at grocery stores?

Yes. Gift card purchases made at a grocery store qualify for the 4% rate. It’s a way to earn an enhanced return at merchants that aren’t grocery stores themselves, such as Amazon.ca, the SAQ, or Netflix.

What travel medical insurance is included with the card?

The card includes emergency medical insurance of up to $1,000,000 per person for the cardholder, their spouse, and dependent children. It automatically covers people under 65 for trips of up to 15 consecutive days outside their province.

Does the card cover trip cancellation and trip interruption?

Yes, provided you charge at least 75% of the trip cost to the card. Trip cancellation insurance covers up to $1,500 per person ($10,000 per trip) and trip interruption insurance up to $2,000 per person ($10,000 per trip).

Is there insurance for flight delays?

Yes. If your flight is delayed by at least 4 hours, or if you miss a connection resulting in a wait of 4 hours or more, the card reimburses reasonable living expenses up to $500 per trip for all insured travellers.

Does the card offer insurance for lost or delayed baggage?

Yes. In the event of loss, the card covers up to $500 per claim. If your baggage is delayed by more than 4 hours after arriving at your destination, it reimburses up to $500 for essential items for all insured travellers.

Does the card include rental car insurance?

Yes. If you pay the full rental cost with the card and decline the damage waiver offered by the agency, you’re protected against damage to and theft of the rental vehicle.

Is there mobile device insurance with the card?

Yes. When you buy your cellphone, smartphone, or tablet with the card, you’re covered up to $1,000 in the event of loss, theft, accidental damage, or mechanical failure.

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Credit Cards

Exceptional offer: 15% off and the first year free with the Scotia Momentum Visa Infinite+ Card

May 4, 2026

Exceptional offer: 15% off and the first year free with the Scotia Momentum Visa Infinite+ Card

Featured

Scotiabank Passport™ Visa Infinite +* Card

Up to 60,000 Scene+ Points

Ends Jul 1, 2026

First year value : $997

No Foreign Transaction Fee
Access to VIP Lounges
Visa Infinite Benefits

Apply Now

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Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points.
Earn 3x Scene+ points* on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating
Co-ops and more
Earn 2x Scene+ points* for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways, taxis and more)
Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
No Foreign Transaction Fee
6 Complimentary Airport Lounge Access
Comprehensive Travel Insurance coverage
Visa Infinite* Concierge Services
Visa Infinite* Hotel Collection
Visa Infinite* Dining and Wine Country Program

Legal

*Conditions apply. Rates, fees and other information are effective as of Jan 2,2026. Subject to change.

Annual Fee

Primary card $150
Additional card $0

Annual Income Required

Individual $60,000
Household $100,000

Conversion fees

0.00 %

Milesopedia Links

Earning Rate

Groceries2Scene+ Points
Dining and Food delivery2Scene+ Points
Local Transport2Scene+ Points

Value

Year 1 $997
Year 2+ $397

Best For

Transfer Partners

Scene+

Advantages

Annual Credit
VIP Lounges

Concierge
Wifi

Travel credit

Travel Insurance

Insurance Name

Included

Amount

Duration

Travel Medical Insurance

Travel medical insurance up to 54 years old

$1,000,000

25 day(s)

Travel medical insurance up to 64 years old

$1,000,000

25 day(s)

Travel medical insurance 65+

$1,000,000

3 day(s)

Trip Cancellation Insurance

$1,500

Trip Interruption Insurance

$2,500

Common Carrier Travel Accident Insurance

$500,000

Flight Delay Insurance

$500

Delayed Baggage Insurance

$1,000

Lost/Stolen Baggage Insurance

$1,000

Auto Rental Loss/Insurance

$65,000

48 day(s)

Hotel/Motel Burglary Insurance

$1,000

Featured

Scotia Momentum^® Visa Infinite +* Card

Up to $300 cash back

Ends Nov 1, 2026

First year value : $948

Best of May 2026

4% cash back on groceries
4% cash back on recurring payments
Visa Infinite Benefits

Apply Now

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Learn More

Earn 15% Cash Back on all purchases for the first 3 months (up to $2,000 in total purchases)¹.

Plus, no annual fee in the first year, including on additional cards¹.

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
1% cash back on all other purchases with no cashback limit
Visa Infinite* Concierge Services
Visa Infinite* Hotel Collection
Visa Infinite* Dining and Wine Country Program
Comprehensive Travel Insurance & New Mobile Device Insurance coverage.
New 2% Cash Back earn category: You will earn 2% on all eligible purchases of Food Delivery¹.
New Cash Back Anytime feature: Redeem your earned cash back whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption)¹.