The Points Standard

Head to head · Reviewed 2026-07-18 by The Points Standard

Scotia Momentum Visa Card vs Scotia Momentum Visa Infinite

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

Strong

The $49 Momentum Visa pays a flat 2% across groceries, gas, transit, and bills; the Visa Infinite charges $120 (commonly waived the first year) but lifts groceries and recurring bills to 4% and adds a cash welcome. For a household spending meaningfully on groceries and bills, the Infinite's 4% clears the fee gap easily. The plain Momentum Visa suits lighter spenders who want simple 2% without the bigger fee.

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.

Independent.Ranked by the Standard Score, never by compensation.·Last reviewed 2026-07-18·Full disclosure

Scotia Momentum Visa CardScotia Momentum Visa Infinite
Standard Score5.3/10 · Pass7.0/10 · Strong
Annual fee$49 ($15 for each additional card. Fee rose from $39 to $49 effective February 1, 2026.)$120 (Commonly waived first year)
Welcome bonusNo cash welcome bonus — 0.99% intro interest on balance transfers for 9 months (2% transfer fee), then 22.99%~15% cash back on first $2,000 of purchases (offers vary)
Est. bonus value≈ $0≈ $300
First-year net value≈ $250≈ $480
Earn rates
  • 2% — Groceries, food delivery, drugstores, gas, EV charging, transit, recurring bills (first $25,000/year)
  • 1% — Everything else / spend beyond $25,000
  • 4% — Groceries and recurring payments (first $25,000/year)
  • 2% — Gas and transit (first $25,000/year)
  • 1% — Everything else
Points currencyCash backCash back
No FX feesNoNo
Lounge accessNoNo

Where the Scotia Momentum Visa Card wins

No component wins — its rival scores at least as well on every Standard Score component.

Where the Scotia Momentum Visa Infinite wins

  • First-year value — scores 6.5/10 on this component
  • Ongoing value — scores 7.5/10 on this component
  • Perk usability — scores 7.0/10 on this component
  • Low friction — scores 8.5/10 on this component
  • Strategic fit — scores 7.0/10 on this component

Read the full reviews: Scotia Momentum Visa Card and Scotia Momentum Visa Infinite, or see how both rank in Best Cash Back Credit Cards in Canada.