Scotia Momentum Visa Infinite Card
Cash Back1.0¢ exact
$120 annual fee (waived yr 1)
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Cash back card with 4% on groceries and recurring bills, 2% on gas, transit, rideshare, and food delivery. The 4% on bills is uncommon and useful if you put utilities or insurance on the card. Solid mid-tier cash back option.
Earn Rates
🛒 Groceries — Amex accepted4x📄 Bills4x⛽ Gas2x🚇 Transit2x·Everything else1x
💡 4% back on groceries and recurring bills. 2% on gas, EV charging, transit, rideshare and food delivery. 1% everything else.
Welcome Bonus
Smart Bonus Strategy — Earn 2,000 points
Spend $2,000 within 3 months
Minimum spend bonus
Spend $2,000 in 3 months
optimal stopcash back bonus+$200Min. spend earnings2,000 pts × 1.0¢+$20
Annual fee (waived yr 1)$0
Net first-year value+$220
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