See How to Apply for a Scotia Momentum Visa Infinite Card

What do I need to know before applying?

The Scotia Momentum Visa Infinite comes with a bonus of 10% cashback during the first 3 months with the card, allowing you to earn up to $200! 

Scotiabank is a very popular financial institution in Canada, and not only there but also in other countries around the world. 

In addition to effective bank account management, Scotia offers its line of credit cards, and the Scotia Momentum Visa Infinite is one of the great options.

The card starts with a credit limit of $5,000, with good opportunities for an increase depending on your financial situation. In terms of fees, there is a $120 annual cost, but the fee is waived in the first year. 

Speaking of other charges, you’ll pay $50 for each additional card, also waived for the first year.

Now, let’s talk about the benefits, which is what matters most, right? 

The card rewards you with cashback at different rates depending on your spending. Here’s how it works:

• 4% cashback on grocery purchases, including supermarkets and grocery stores.
• 4% on recurring bill payments, like insurance, utilities, and gym memberships.
• 4% on subscription services, such as streaming and lifestyle services.
• 2% on public transit, taxis, trains, rideshares, gas stations, and electric vehicle charging stations.
• For all other purchases, you earn an unlimited 1% cashback on eligible transactions.

Still unsure? Scotia offers a cashback rewards calculator so you can see how much you can earn.

Who can Apply?

Scotiabank has established specific requirements for its customers.

Firstly, applicants must meet the minimum age requirement, which is 18 or 19 years old depending on the province, and they must be legal residents—whether Canadian citizens or foreign nationals with valid passports and visas.

To be eligible for the card, you need a good to excellent credit score and must meet one of the following financial criteria: a minimum annual income of $60,000, a household income of $100,000, or assets under management totaling $250,000.

While there are no major restrictions, it’s important to note that all applications must be approved by the bank.

How do I Apply for the Scotia Momentum Visa Infinite Card?

To apply for this credit card, you can find the “Sign Up Now” button on Scotiabank’s website.

You’ll first need to indicate if you already have any existing products with Scotiabank. If this is your first application, you’ll proceed as a new customer, and the entire process should take around 8 minutes.

During the application, you’ll be asked to provide personal information such as:

• Your full name, contact details (phone and email), identification number, and additional personal information. You’ll also need to submit financial information, including your employment status, housing situation, and how you meet the bank’s financial qualifications.

Since this is a premium credit card, expect a more thorough review process, which may include requests for supporting documentation.

If you have any questions, Scotiabank’s customer service team, known for its top-tier support, is available to assist you.

More Details

Scotia SelectPay helps you achieve your dreams. Want to know how? You can split your purchases flexibly, starting from $1,000, with low interest rates and no installment fees.

And that’s not all—the card comes with Visa Infinite benefits, such as concierge services for planning trips and dining experiences, a hotel collection to help you save, and a wine and dining program to enjoy the best experiences.

Speaking of savings, you can get up to 25% off car rentals with participating AVIS locations.

A card of this caliber needs solid protections, right? Scotia offers the following:

• Insurance for new mobile devices
• Trip cancellation and interruption insurance
• Emergency medical insurance
• Flight delay insurance
• Baggage delay insurance
• Travel accident insurance
• Extended warranty protection

Want to learn another option?

The American Express SimplyCash Preferred is another great option for the Canadian market, offering up to 4% cashback for your everyday spending. 

The card comes with a bonus when you refer friends, as well as protections, insurance, and world-class service. Here’s how to apply.

Written by

Gabriel Gonçalves

Writer with over 10 years of experience specializing in finance and education. Master's student in Communication and an expert in online content production.