Scotia Momentum No-Fee Visa vs. Scotia Momentum Visa Infinite +

See how your selected cards differ in estimated value, costs and conditions.

Using example spending assumptions

$2,000/month CAD · Travel benefits assumed usable · Same profile for every card

Edit spending

Selected cards

Scotia Momentum No-Fee Visa

Scotiabank

Annual Fee: $0.00
First Year Bonus Value: $85.15
Net Annual Rewards: $178.20Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $263.35

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View card

Sources & terms

Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source

Scotia Momentum Visa Infinite +

Scotiabank

Cash Back

Annual Fee: $120.00
First Year Bonus Value: $156.70
Net Annual Rewards: $399.60Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $676.30

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View card

Sources & terms

Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source

Scotia Momentum No-Fee Visa$0.00 annual fee

Scotia Momentum Visa Infinite +$120.00 annual fee

Show differences only

On this comparison

At a glance

At a glance for the selected cards, in selected order.
Fact	Scotia Momentum No-Fee Visa	Scotia Momentum Visa Infinite +
Regular annual feeValues differ	$0	$120
Rewards program	—	Cash Back
Purchase APR	20.99%	20.99%

Value

Based on typical spending of $2,000/month, after annual fees. Net annual rewards exclude welcome bonuses.

Value for the selected cards, in selected order.
Fact	Scotia Momentum No-Fee Visa	Scotia Momentum Visa Infinite +
First-year valueValues differ	$263.35	$676.3
Net annual rewardsValues differ	$178.2	$399.6
Your input	Needs your input	Needs your input
First-year bonus valueValues differ	$85.15	$156.7

Complete estimates

Shared inputs update only cards that use the same existing assumption. Card-specific qualifications remain separate.

Edit calculation assumptions

Scotia Momentum No-Fee Visa — annual assumptions also apply to the other annual estimates

Annual estimate assumptions for Scotia Momentum No-Fee Visa

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Allocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing.

Enter eligible net purchase spending only. Exclude cash advances, fees, interest and purchases that do not earn cashback. The estimate assumes an open account in good standing and does not model refund timing, mid-cycle rate changes or payout dates.

This explicitly sets this card’s allocations to $0; your category spending still earns the reviewed base rate.

Eligible groceries · CAD/monthAllocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing. Parent: $500/month; remaining: $500/month.Eligible gas · CAD/monthAllocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing. Parent: $150/month; remaining: $150/month.Eligible transit · CAD/monthAllocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing. Parent: $80/month; remaining: $80/month.Issuer-selected food delivery (exclude ordinary dining) · CAD/monthAllocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing. Parent: $200/month; remaining: $200/month.Eligible drugstore · CAD/monthAllocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing. Parent: $40/month; remaining: $40/month.Eligible recurring bills · CAD/monthAllocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing. Parent: $200/month; remaining: $200/month.My spending mix is assumed even throughout the full reward cycleThis profile represents all purchases for this candidate account, including relevant additional cardholders

Scotia Momentum Visa Infinite +

Annual estimate assumptions for Scotia Momentum Visa Infinite +

This explicitly sets this card’s allocations to $0; your category spending still earns the reviewed base rate.

Eligible groceries · CAD/monthAllocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing. Parent: $500/month; remaining: $500/month.Eligible recurring bills · CAD/monthAllocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing. Parent: $200/month; remaining: $200/month.Eligible gas · CAD/monthAllocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing. Parent: $150/month; remaining: $150/month.Eligible transit · CAD/monthAllocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing. Parent: $80/month; remaining: $80/month.Issuer-selected food delivery (exclude ordinary dining) · CAD/monthAllocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing. Parent: $200/month; remaining: $200/month.

Needs your input. Unknown answers remain unknown; update the relevant fields above.

Rewards

Rewards for the selected cards, in selected order.
Fact	Scotia Momentum No-Fee Visa	Scotia Momentum Visa Infinite +
How you earnValues differ	Earn 1% cash back on eligible groceries, drugstores, gas, EV charging, transit and recurring payments 0.5% cash back on all other purchases	4% cash back on eligible groceries and recurring bills 2% on gas, EV charging, transit, rideshare and selected food delivery 1% cash back on all other purchases
Base / other eligible purchasesValues differ	0.5% cash back	1% cash back
Reward conditions	View reward conditions Earn 1% cash back on eligible groceries, drugstores, gas, EV charging, transit and recurring payments; 0.5% elsewhere. Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning. Category and merchant eligibility applies. Cash back redemption requires at least $25. Allocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing. Redeem at least $25 to account credit or eligible same-owner Scotiabank CAD bank account through app/online; primary/co-borrower only. Rewards roll over while open/in good standing; good-standing closure requires phone redemption within90days. Ongoing estimates exclude acquisition offers, partner promotions, insurance, supplementary fees and interest. Allocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing. Allocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing. Redeem at least $25 to account credit or eligible same-owner Scotiabank CAD bank account through app/online; primary/co-borrower only. Rewards roll over while open/in good standing; good-standing closure requires phone redemption within90days. Complete card reward details	View reward conditions 4% cash back on eligible groceries and recurring bills; 2% on gas, EV charging, transit, rideshare and selected food delivery; 1% elsewhere. Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning. The 4% group and 2% group each have a shared $25,000 annual spending cap; then 1%. Food delivery is limited to issuer-selected services. Allocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing. Redeem at least $25 to account credit or eligible same-owner Scotiabank CAD bank account through app/online; primary/co-borrower only. Rewards roll over while open/in good standing; good-standing closure requires phone redemption within90days. Ongoing estimates exclude acquisition offers, partner promotions, insurance, supplementary fees and interest. Allocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing. Allocate disjoint, issuer-classified net purchases only. Food delivery means issuer-selected services, not all restaurants. Grocery excludes incorrectly coded merchants. Recurring means merchant-coded automatic payments; exclude rental MCC6513 and tax MCC9311 from modeled recurring allocations (conservative eligible subset: these cease qualifying October22 2026, currently may qualify). Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer. Account must remain open and in good standing. Uniform full-cycle estimate excludes transaction rounding and refund timing. Redeem at least $25 to account credit or eligible same-owner Scotiabank CAD bank account through app/online; primary/co-borrower only. Rewards roll over while open/in good standing; good-standing closure requires phone redemption within90days. Complete card reward details

Fees

Fees for the selected cards, in selected order.
Fact	Scotia Momentum No-Fee Visa	Scotia Momentum Visa Infinite +
Regular annual feeValues differ	$0	$120
Supplementary-card feeValues differ	$0	$50
Purchase APR	20.99%	20.99%
Cash advance APR	22.99%	22.99%

Insurance & benefits

Insurance & benefits for the selected cards, in selected order.
Fact	Scotia Momentum No-Fee Visa	Scotia Momentum Visa Infinite +
Insurance	Not listed — check the issuer	Mobile device and travel insuranceIncluded
Other benefits	—	—

Sources

Sources for the selected cards, in selected order.
Fact	Scotia Momentum No-Fee Visa	Scotia Momentum Visa Infinite +
Last verified	Last verified: October 10, 2026	Last verified: October 10, 2026
Official sources	Official issuer product page (opens new tab)	Official issuer product page (opens new tab)

Approval likelihood, interest expense and actual redemption transactions are not modeled. Verify current issuer terms before applying. WalletReturn methodology

Continue your comparison

Advertising disclosure: WalletReturn may earn a commission when you apply through some links. This doesn’t affect how we calculate values or order cards. See our published methodology and advertising disclosure.

Figures are estimates in CAD and rounded for display; rounded contributions may not sum exactly to totals. Ongoing value excludes welcome bonuses, one-time benefits and rebates. Interest expense is not deducted. Benefits depend on your profile and issuer terms.