canadacash backyr 1 free

Scotia Momentum Visa Infinite Card

4% groceries and bills up to $25k, solid cash back if you don't care about points.

checked Oct 9, 2026 · scotiabank.com

annual fee

$120

welcome bonus

$300

first-year fee waived

foreign transaction fee

2.5%

earn rates

groceries · 1% after $25k combined · up to $25,000/year4%

gas + ev · incl. ev charging · up to $25,000/year2%

transit + rideshare · incl. rideshare · up to $25,000/year2%

everything else1%

at recurring bills · up to $25,000/year4%

at food delivery · restaurants themselves earn 1% · up to $25,000/year2%

store-only rates show here but aren't counted in your wallet math.

spend $2,000 in 3 months · 15% back on first $2,000 (max $300 total)$300

ends Nov 1, 2026

travel medical $1m/15d, trip cancel $1,500/interrupt $2,000, flight delay $500, baggage, rental car

mobile device insurance up to $1,000

up to 7c/l value at shell

10gb gigsky global data / yr

always confirm current terms with the issuer before applying. pointlss isn't affiliated with scotiabank. see disclosures.