Scotia Momentum Visa Infinite + vs. TD Cash Back Visa Infinite

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.

3% cash back on eligible groceries, gas/EV charging, public transit, recurring bills and streaming/digital media; 1% elsewhere.

Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning.

• Eligible merchant categories and annual category spending limits apply; confirm current issuer definitions.
• Eligible net posted purchases in open good-standing account.
• Grocery MCC5411; gas/EV5541/5542/5552; public transit4111 only, not all taxis/travel; PAP must be Visa-classified recurring.
• Streaming/digital media MCC5815/5816/5817/5818/4899 shares PAP limit.
• Allocate overlapping purchases once to issuer category, not twice.
• Exclude advances, transfers, cheques, interest, fees, adjustments, refunds and rebates.
• Uniform-cycle estimate excludes transaction rounding/refund chronology.
• 1CashBackDollar=$1account credit; on-demand minimum$25, or instructed annual January redemption without minimum.
• Open active good-standing account required; inactivity/closure forfeiture conditions apply.
• Ongoing estimates exclude acquisition offers, partner promotions, insurance, supplementary fees and interest.
• Eligible net posted purchases in open good-standing account. Grocery MCC5411; gas/EV5541/5542/5552; public transit4111 only, not all taxis/travel; PAP must be Visa-classified recurring. Streaming/digital media MCC5815/5816/5817/5818/4899 shares PAP limit. Allocate overlapping purchases once to issuer category, not twice. Exclude advances, transfers, cheques, interest, fees, adjustments, refunds and rebates. Uniform-cycle estimate excludes transaction rounding/refund chronology.
• Eligible net posted purchases in open good-standing account. Grocery MCC5411; gas/EV5541/5542/5552; public transit4111 only, not all taxis/travel; PAP must be Visa-classified recurring. Streaming/digital media MCC5815/5816/5817/5818/4899 shares PAP limit. Allocate overlapping purchases once to issuer category, not twice. Exclude advances, transfers, cheques, interest, fees, adjustments, refunds and rebates. Uniform-cycle estimate excludes transaction rounding/refund chronology.
• 1CashBackDollar=$1account credit; on-demand minimum$25, or instructed annual January redemption without minimum. Open active good-standing account required; inactivity/closure forfeiture conditions apply.