The Scotia Momentum Visa Infinite+ is one of the best cashback credit cards in Canada for families who spend heavily on groceries and recurring bills. Getting 4% back on both of those categories is unmatched by most other cards. At typical family spending levels, this card earns $400–$600 per year in cashback after the $120 annual fee, making it one of the easier fee cards to justify. Scotiabank customers who bundle their banking may get the annual fee waived entirely. It’s reviewed alongside the other cash back cards on our credit card reviews hub.
| Fact | Details |
|---|---|
| Card | Scotia Momentum Visa Infinite+ Card |
| Issuer | Scotiabank |
| Annual Fee | $120/year |
| Additional Card Fee | $50/year |
| Income Requirement | $60,000 personal or $100,000 household |
| Base Earn Rate | 4% groceries/recurring bills/subscriptions (first $25,000/yr), 2% gas/EV/transit/rideshare/food delivery (first $25,000/yr), 1% everything else |
| Foreign Transaction Fee | 2.5% |
| Purchase Interest Rate | 20.99% |
| Cash Advance Interest Rate | 22.99% |
Stable card facts (fee, income requirement, base earn rate, and any confirmed interest/FX rates) current as of 2026-10-03. Welcome/sign-up bonuses change frequently and are not included here — confirm the current offer on the issuer’s site before applying.
It’s a Visa Infinite card that earns cash back. Included insurance: purchase protection, extended warranty, car rental. Welcome offer: boosted cash back for the first few months; confirm the current offer at Scotiabank.
Cash Back Rates
| Category | Rate | Annual Cap |
|---|---|---|
| Groceries | 4% | $25,000 (combined with recurring bills) |
| Recurring bills & subscriptions | 4% | $25,000 (combined with groceries) |
| Gas & EV charging | 2% | $25,000 (combined with transit/rideshare/food delivery) |
| Transit & rideshare | 2% | $25,000 (combined) |
| Food delivery | 2% | $25,000 (combined) |
| Dining | 1% | No cap |
| Everything else | 1% | No cap |
Annual Cash Back Estimate
The numbers below assume typical Canadian family spending: $600/month on groceries, $200 on gas, $300 on dining, $200 on recurring bills (phone, internet, subscriptions), and $500 on everything else. That’s $1,800/month in total spending, which earns $528/year in cashback: a net return of $408 after the $120 fee. Note that dining earns only the 1% base rate on this card (it is not an accelerated category), unlike some competitors.
| Monthly Spend | Category | Annual Cash Back |
|---|---|---|
| $600 groceries | 4% | $288 |
| $200 gas | 2% | $48 |
| $300 dining | 1% | $36 |
| $200 recurring bills | 4% | $96 |
| $500 other | 1% | $60 |
| Total | $528 |
Net return after $120 fee: $408/year.
Pros and Cons
| Pros | Cons |
|---|---|
| 4% on groceries and recurring bills | $25K cap per category group |
| Simple cash back (no points) | Dining only earns the 1% base rate |
| Visa Infinite acceptance | $120 annual fee |
| Good travel insurance | Gas only earns 2%, not 4% |
| Recurring bills included | Income requirement |
Scotiabank Momentum vs Alternatives
| Feature | Scotia Momentum VI+ | TD Cash Back VI | CIBC Dividend VI | BMO CashBack MC |
|---|---|---|---|---|
| Annual fee | $120 | $139 | $120 | $0 |
| Grocery | 4% | 3% | 4% (combined w/ gas) | 3% (capped) |
| Gas | 2% | 3% | 4% (combined w/ grocery) | : (base rate) |
| Dining | 1% | 1% | 2% | : (base rate) |
| Recurring | 4% | 3% | 2% | 1% (capped) |
| General | 1% | 1% | 1% | 0.5% |
Who Should Get This Card
| Profile | Recommendation |
|---|---|
| High grocery/gas/dining spend | ✅ Ideal |
| Want simple cash back | ✅ Yes |
| Have Scotia account (bundle discount) | ✅ Fee may be waived |
| Low spend (<$1,000/month) | ⚠️ Fee may not be justified |
| Prefer Aeroplan/travel points | ⚠️ Consider Amex Cobalt |
The Bottom Line
For a household with steady grocery and recurring-bill spending, the Scotia Momentum Visa Infinite+ is one of the strongest cash back cards available, and it’s our cash back pick on the best credit cards in Canada page. Its income requirement is $60,000 personal or $100,000 household. If you’d rather earn travel points, the Amex Cobalt is the usual alternative; if the fee or income requirement doesn’t fit, the no-fee Tangerine Money-Back Credit Card lets you choose its higher-rate categories.
Frequently asked questions
Is the Scotiabank Momentum Visa Infinite worth the annual fee? At $120/year, the Scotiabank Momentum Visa Infinite is one of the best cash back cards in Canada for grocery and recurring bill spenders. The 4% cash back on groceries and recurring bills, 2% on transit and gas, and 1% everywhere else can easily deliver $400–$600+/year in cash back for a typical Canadian family: well above the annual fee. The key is that the 4% applies to subscription services, which is increasingly valuable as recurring digital subscriptions grow.
What qualifies as a recurring bill for the Scotiabank Momentum Visa Infinite? Recurring bills include: utility bills, phone/internet bills, streaming services (Netflix, Disney+, Spotify), gym memberships, and other automatic recurring charges. A 4% rate on recurring bills is uncommon; most cards pay their base rate there. Note: some merchants code differently than expected: monitor your first few months of statements.
What is the income requirement for the Scotiabank Momentum Visa Infinite? Minimum personal income of $60,000 or household income of $100,000, consistent with other Visa Infinite products. Credit score of 700+ recommended for approval.
Related Resources
Sources
The figures and rules on this page come from these sources, last checked against them on October 3, 2026. How we check facts.
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