Rewards
Base earn rate0.5% cash back on all other eligible purchases
Welcome bonusEarn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0.99% introductory interest rate on balance transfers for the first 9 months.
Rewards typecashback
Fees & rates
Annual fee$0
Additional card$0
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Get up to 6/L in value on fuel purchases at Shell stations when you link your Scotia Momentum No-Fee Visa Card (for students) and Scene+ account to a Shell Go+ Account
up to 6/L
⭐
Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the US
up to 25%
⭐
Buy now and pay over time with Scotia SelectPay on eligible purchases of $100 or more with low interest rates and no installment plan fee
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident