Scotiabank

The Scotia Momentum Visa Infinite Card delivers one of Canada’s highest cash back rates on everyday essentials, offering 4% back on groceries and recurring bill payments, 2% on gas and transit, and 1% on everything else. With a generous welcome bonus of 10% cash back for the first three months (up to $2,000 in spending) and no annual fee in year one, new cardholders can earn over $300 in value during their first year. The card requires a minimum $60,000 personal income or $100,000 household income to qualify, positioning it as a premium option for established professionals and families.

Beyond its impressive rewards structure, this Scotiabank offering includes comprehensive travel insurance with up to $1 million in emergency medical coverage, purchase protection, extended warranties, and modern mobile device insurance up to $1,000. While the $120 annual fee (waived in year one) and income requirements may limit accessibility, cardholders who regularly spend on groceries, bills, and gas can easily earn $400-600 annually in cash back. For those who meet the eligibility criteria and maintain substantial monthly spending in the bonus categories, the Scotia Momentum Visa Infinite Card represents exceptional value in Canada’s competitive premium credit card market.

The Scotiabank Gold American Express Card stands out in the Canadian rewards landscape with its exceptional 6x Scene+ points earning rate at Empire grocery stores including Sobeys, Safeway, and FreshCo, making it one of the highest grocery rewards multipliers available in Canada. Combined with 5x points on dining and entertainment, 3x on gas and streaming services, plus the elimination of foreign transaction fees, this card delivers remarkable value for families and individuals who prioritize rewards on everyday spending over premium travel perks.

With a welcome bonus of up to 50,000 Scene+ points, no annual fee in the first year, and comprehensive travel insurance coverage including $1 million in emergency medical protection, the Scotiabank Gold American Express Card offers compelling value that extends well beyond its grocery store appeal. While the $120 annual fee after year one and limited American Express acceptance require consideration, cardholders who strategically use this card for bonus categories can easily earn rewards worth several times the annual fee, particularly those who shop regularly at Empire-owned grocery chains.

The Scotiabank Passport Visa Infinite Card combines the elimination of foreign transaction fees with robust Scene+ rewards earning and premium travel benefits, creating a compelling mid-tier travel card for Canadians who journey abroad regularly. With up to 45,000 Scene+ points as a welcome bonus, 3x points at select grocery stores, six complimentary annual airport lounge visits, and comprehensive travel insurance coverage up to $2 million, this card delivers substantial value for international travelers at a reasonable $150 annual fee.

What sets the Scotiabank Passport Visa Infinite Card apart in the crowded travel card market is its unique combination of no foreign transaction fees, typically saving 2.5% on all international purchases, paired with strong domestic earning rates on groceries and dining. While the $60,000 minimum income requirement and limited lounge visits compared to premium competitors require consideration, cardholders who travel internationally even just a few times annually can easily recoup the annual fee through foreign exchange savings alone, making this an intelligent choice for cost-conscious global travelers.

The Scotiabank Value Visa Card stands out in the Canadian credit card market with its remarkably low 13.99% interest rate on purchases and cash advances, making it an ideal choice for those who carry a balance or need to finance larger purchases over time. With a promotional balance transfer rate of just 0.99% for the first nine months and no annual fee in year one, this card offers immediate relief for anyone looking to consolidate high-interest debt or reduce their monthly interest charges.

While the Scotiabank Value Visa Card doesn’t offer rewards, cash back, or travel insurance, its low interest rate delivers tangible savings that can far exceed the benefits of traditional rewards cards for the right user. With only a $29 annual fee after the first year and minimal income requirements of $12,000 annually, this accessible card provides a practical financial tool for budget-conscious Canadians who prioritize interest savings over perks and want to take control of their credit card debt.

The Scotia Momentum Visa offers enhanced cash back earning with 2% on gas, groceries, drug stores, and recurring bill payments (up to $25,000 annually), plus 1% on all other purchases, making it a solid step up from no-fee alternatives for a modest $39 annual fee. The card includes a promotional 2.99% balance transfer rate for six months, which can provide significant debt consolidation value, along with practical benefits like purchase protection, extended warranties, and car rental discounts at Budget and AVIS locations.

This card works best for Canadian households with regular spending in the bonus categories, where the enhanced 2% earning rate easily justifies the annual fee through additional cash back compared to no-fee cards. A typical family spending $800 monthly on groceries, $200 on gas, and $300 on recurring bills would earn about $273 net cash back annually after the fee. However, light spenders who can’t generate enough category spending to offset the annual fee, or heavy spenders who might hit the $25,000 category cap, should consider no-fee alternatives or premium cards respectively. The Scotia Momentum Visa succeeds as a practical middle-ground option for moderate spenders seeking better returns without premium card complexity or high annual fees.

The Scotiabank SCENE+ Visa Card offers a refreshingly simple approach to rewards with no annual fee and straightforward earning on everyday purchases, making it an ideal entry point for young Canadians and movie enthusiasts looking to earn rewards without the commitment of premium cards. With 2x Scene+ points at Cineplex theatres, Home Hardware, and participating grocery stores like Sobeys and Safeway, plus 1x points on everything else, this accessible card transforms routine spending into entertainment rewards and practical benefits.

While the Scotiabank SCENE+ Visa Card won’t impress with premium perks or travel insurance, its combination of zero fees, low income requirements of just $12,000, and a welcome bonus of 5,000 Scene+ points creates genuine value for budget-conscious consumers. The flexibility to redeem points for movies, dining, groceries, travel, and gift cards through the expanded Scene+ program means cardholders aren’t locked into a single redemption path, making this a versatile starter card that grows with your financial journey.

The Scotia Momentum No-Fee Visa Card offers straightforward cash back rewards without annual fees, earning 1% on gas stations, grocery stores, drug stores, and recurring payments, plus 0.5% on all other purchases. With a welcome bonus of 5% cash back on all purchases for the first three months (up to $2,000 in spending) and a promotional 0% balance transfer rate for six months with no transfer fee, the card provides solid initial value for new cardholders seeking basic rewards functionality.

This card works best for budget-conscious consumers who want simple cash back earning without the complexity of category rotations or annual fee considerations. While the earning rates are conservative compared to premium alternatives, the inclusion of recurring payments in the 1% category adds practical value in today’s subscription economy, and the broad Visa acceptance ensures usability across Canada. However, consumers with substantial spending or those comfortable with annual fees will likely find better long-term returns with enhanced earning rate cards, making this primarily suitable for moderate spenders seeking reliable, no-commitment cash back rewards.