Scotia Momentum Visa Infinite vs Rogers Red World Elite Mastercard
Two cards, one Standard Score rubric. The Scotia Momentum Visa Infinite scores higher overall at 7.0/10, but the right pick depends on which components match your spending.
The verdict
StrongA paid recurring-bills specialist against the free flat-rate benchmark. The Scotia Momentum charges $120 and pays 4% on groceries and recurring bills, but only clears its fee once those categories are large, and it pays the cash back out just once a year in November; the Rogers Red World Elite pays 2% on everything for no fee (with a Rogers-family service; 1.5% without), on demand. Bill-and-grocery-heavy households who don't mind waiting take the Momentum; everyone else keeps the free flat rate.
See offer · current Scotia Momentum Visa Infinite offer, direct from the issuer
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
| Scotia Momentum Visa Infinite | Rogers Red World Elite Mastercard | |
|---|---|---|
| Standard Score | 7.0/10 · Strong | 6.7/10 · Strong |
| Annual fee | $120 (Waived in the first year, including on additional cards, under the current offer) | None |
| Welcome bonus | 15% cash back on all purchases for the first 3 months (up to $2,000 in total purchases) | Modest signup bonus for new cardholders (offers vary) |
| Est. bonus value | ≈ $300 | ≈ $60 |
| First-year net value | ≈ $480 | ≈ $285 |
| Earn rates |
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|
| Points currency | Cash back | Cash back |
| No FX fees | No | No |
| Lounge access | No | No |
Where the Scotia Momentum Visa Infinite wins
- First-year value: scores 6.5/10 on this component
- Perk usability: scores 7.0/10 on this component
Where the Rogers Red World Elite Mastercard wins
- Flexibility: scores 7.0/10 on this component
- Strategic fit: scores 8.0/10 on this component
Read the full reviews: Scotia Momentum Visa Infinite and Rogers Red World Elite Mastercard, or see how both rank in Best Cash Back Credit Cards in Canada.