Quels sont les frais annuels de la carte Scotia Momentum Visa?

La carte Scotia Momentum Visa comporte des frais annuels de 49 $.

La carte Scotia Momentum Visa en vaut-elle la peine?

Pour des dépenses typiques de 2 000 $ par mois, WalletReturn estime 307 $ en récompenses annuelles nettes après les frais annuels et 307 $ de valeur la première année, prime de bienvenue comprise. Votre résultat dépend de vos dépenses dans ses catégories bonifiées.

Combien de points ou de remise en argent la carte Scotia Momentum Visa rapporte-t-elle?

2% cash back on eligible groceries, food delivery/subscriptions, drugstores, gas, EV charging, transit/rideshare and recurring bills/subscriptions; 1% cash back on all other purchases.

Quel est le taux d’intérêt de la carte Scotia Momentum Visa?

Le taux d’intérêt sur les achats est de 20,99 %.

Les noms officiels des produits sont conservés. Les textes sans version française restent identifiés en anglais; les conditions de l’émetteur font foi.

Scotia Momentum Visa

Banque Scotia

Accumulation des récompenses

groceries: 2% cash back

Frais annuels: 49,00 $
Valeur de la prime la première année: 0 $
Récompenses annuelles nettes: 307,4 $
Valeur la première année: 307,4 $

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail

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Dernière vérification : 10 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur

Détails de la carte

Frais annuels

Carte principale : 49,00 $

Cartes supplémentaires : 15,00 $

Taux d’intérêt

Achats : 20,99 %

Avances de fonds : 22,99 %

Revenu annuel

Aucun minimum publié

Opérations en devises

Frais : À confirmer auprès de l’émetteur

Type de carte

Visa · Remise en argent

Récompenses

Programme : Remises en argent

Émetteur

Banque Scotia

Admissibilité pas entièrement vérifiée

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

2% cash back on eligible groceries, food delivery/subscriptions, drugstores, gas, EV charging, transit/rideshare and recurring bills/subscriptions
1 % de remise en argent sur tous les autres achats

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par mois

Valeur estimée la première année

307,40 $

net annual rewards

Récompenses annuelles nettes: 307,40 $

Détail des récompenses annuelles

Récompenses accumulées en un an	356,40 $
Frais annuels	− $49.00
Récompenses annuelles nettes	307,40 $

La répartition par catégorie n’est pas encore offerte pour cette carte.

Utiliser vos propres dépenses

Requiert vos données
Complete spending details. Complete spending details to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

Illustrative annual rewards: 310,20 $
Frais annuels habituels: 49,00 $
Illustrative net ongoing value: 261,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

Complete these assumptions to calculate your value:

Confirm whether your spending mix is typical throughout one complete rewards year.
Confirm whether this profile includes all purchases for this account, including additional cardholders.
Enter monthly Eligible groceries. This is part of your existing spending.
Enter monthly Eligible gas. This is part of your existing spending.
Enter monthly Eligible transit. This is part of your existing spending.
Enter monthly Issuer-selected food delivery (exclude ordinary dining). This is part of your existing spending.
Enter monthly Eligible drugstore. This is part of your existing spending.
Enter monthly Eligible recurring bills. This is part of your existing spending.

Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending

Calculation assumptions for this card

Annual estimate assumptions for Scotia Momentum 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.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Year 1 uses separate planned eligible purchases and offer qualifications. Annual spending alone does not establish eligibility. Introductory allocations must be disjoint.

Standard first twelve statement periods from opening, with an even complete eligible purchase-spending profile. Current public product has no purchase-reward welcome bonus or primary annual fee waiver; the balance-transfer interest offer is excluded from reward value. Rental/tax recurring amounts are outside this conservative eligible allocation in both current and October22 rules. Account remains open and in good standing. Year 1 is restricted to nonbinding annual caps, because first-year opening/statement reset dates can cross the twelve-month period. The public-standard and purchase exclusions require explicit confirmation.

I am using the reviewed public standard terms, with no unreviewed targeted rewards offer and no rent or tax purchases in my modeled first year.

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

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.Je suppose une répartition uniforme des dépenses pendant tout le cycle de récompensesCe profil représente tous les achats de ce compte, y compris ceux des titulaires supplémentaires concernés

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Taux d’accumulation, plafonds et options d’échange

Prime de bienvenue: 0,00 $
Récompenses annuelles nettes: 307,40 $
Valeur la première année: 307,40 $

Reviewed comparison example · typical Canadian spending · not your personalized estimate

Earning categories

Groceries, gas, transit, dining, drugstores and recurring billsUp to $25,000 a year (shared)2 %cash back
Tout le reste1 %cash back

Earning rules and limits

Issuer merchant-category and recurring-payment definitions apply.
Food delivery means issuer-selected services, not all restaurants.
Grocery excludes incorrectly coded merchants.
Recurring means merchant-coded automatic payments.
Exclude advances, balance transfers, cash-like transactions, interest, fees and insurance premiums charged by issuer.
Account must remain open and in good standing.

Redemption methods

Remises en argent
Full cash value
Fonctionnement
- 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.
Issuer redemption terms

Rates checked 2026-10-10. Issuer rewards terms

Issuer category definitions, earning limits and restrictions apply.

Assurances et avantages

Soins médicaux en voyage: not included
Annulation de voyage: not included
Interruption de voyage: not included
Retard de vol: not included
Bagages: not included
Location de voiture: not included
Accident de voyage: not included
Vol à l’hôtel ou au motel: not included
Appareils mobiles: not included
Protection des achats: included
Garantie prolongée: included

2 assurances2 avantages

AssuranceCoverage

Protection des achatsPrix d’achat
Prix d’achat
90 days from purchase
Theft, loss or damage
Issuer terms (opens new tab)
Not counted in this estimate
Garantie prolongéeDouble la garantie du fabricant
Double la garantie du fabricant
Up to 1 extra year
Full price charged to the card
Issuer terms (opens new tab)
Not counted in this estimate

AvantagesDétails

Up to 25% off Avis and Budget base ratesInclus
From the issuer’s product page. Terms apply.
Issuer terms (opens new tab)
Not counted in this estimate
Shell fuel savingsInclus
From the issuer’s product page. Terms apply.
Issuer terms (opens new tab)
Not counted in this estimate

Points forts et points faibles

Points forts

2% cash back on eligible groceries, food delivery/subscriptions, drugstores, gas, EV charging, transit/rideshare and recurring bills/subscriptions
Les récompenses typiques couvrent les frais annuels de 49 $

Points faibles

Les catégories bonifiées ont des plafonds de dépenses

Échange

Minimum, délais et restrictions d’échange

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.

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.

Sources et mentions légales

Points à considérer

Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.

Dernière vérification : 10 octobre 2026.

Ce qui n’est pas inclus

Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.

WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.

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