CIBC Dividend Visa Infinite vs. Scotia Momentum Visa Infinite +

4% cash back on eligible gas, EV charging and groceries; 2% on eligible dining, transportation, recurring payments and CIBC by Expedia travel; 1% on other purchases.

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

• Bonus earning ends at $50,000 total annual account purchases or $20,000 combined bonus-category purchases, whichever comes first; then 1%.
• Cash advance APR shown is outside Quebec; Quebec rate is 21.99%.
• Net eligible merchant-classified purchases only.
• Gas includes EV MCC5552; transit means Canadian local commuter/taxi/rideshare, not air/car rentals/cruises.
• Recurring must be merchant-coded automatic.
• CIBC by Expedia eligible travel excludes taxes, insurance and service charges and remains outside bonus cap.
• Allocate each purchase once.
• Exclude advances, money transfers, interest, fees, balance transfers, payments and Convenience Cheques.
• Account open/in good standing.
• Uniform annual model excludes rounding/refund chronology.
• Primary cardholder may redeem at least$10 to account credit (within5days); less than$10 by telephone December1–March31.
• Account must be open/in good standing for earning and redemption.
• Ongoing estimates exclude acquisition offers, partner promotions, insurance, supplementary fees and interest.
• Net eligible merchant-classified purchases only. Gas includes EV MCC5552; transit means Canadian local commuter/taxi/rideshare, not air/car rentals/cruises. Recurring must be merchant-coded automatic. CIBC by Expedia eligible travel excludes taxes, insurance and service charges and remains outside bonus cap. Allocate each purchase once. Exclude advances, money transfers, interest, fees, balance transfers, payments and Convenience Cheques. Account open/in good standing. Uniform annual model excludes rounding/refund chronology.
• Net eligible merchant-classified purchases only. Gas includes EV MCC5552; transit means Canadian local commuter/taxi/rideshare, not air/car rentals/cruises. Recurring must be merchant-coded automatic. CIBC by Expedia eligible travel excludes taxes, insurance and service charges and remains outside bonus cap. Allocate each purchase once. Exclude advances, money transfers, interest, fees, balance transfers, payments and Convenience Cheques. Account open/in good standing. Uniform annual model excludes rounding/refund chronology.
• Primary cardholder may redeem at least$10 to account credit (within5days); less than$10 by telephone December1–March31. Account must be open/in good standing for earning and redemption.

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.