{"id":4977,"date":"2016-09-03T00:00:40","date_gmt":"2016-09-03T04:00:40","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=4977"},"modified":"2026-04-08T13:11:21","modified_gmt":"2026-04-08T13:11:21","slug":"scotia-momentum-visa-infinite","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/scotia-momentum-visa-infinite\/","title":{"rendered":"Scotia Momentum\u00ae VISA Infinite* Card"},"content":{"rendered":"<p>Scotiabank offers three cash back products to is Canadian customers under the Momentum brand: the <a data-ccid=\"110\" href=\"\/blog\/link\/ScotiaMomentumNo-FeeVISAcard\" rel=\"noopener nofollow sponsored\"><b>Scotia Momentum<sup>\u00ae<\/sup> VISA Infinite* Card<\/b><\/a>, the <a data-ccid=\"111\" href=\"\/blog\/link\/ScotiaMomentumVISAcard\" rel=\"noopener nofollow sponsored\"><b>Scotia Momentum<sup>\u00ae<\/sup> VISA Infinite* Card<\/b><\/a>, and the <a data-ccid=\"112\" href=\"\/blog\/link\/ScotiaMomentumVISAInfiniteCard\" rel=\"noopener nofollow sponsored\"><b>Scotia Momentum<sup>\u00ae<\/sup> VISA Infinite* Card<\/b><\/a>. The Visa Infinite is considered the premium product among these three, and while it comes with a higher annual fee, it also provides an extensive array of benefits. Additionally, the Infinite card is significantly more rewarding.<\/p>\n<h2><span id=\"Cash_Back_Details_for_the_Scotia_Momentum_VISA_Infinite_Card\">Cash Back Details for the <b>Scotia Momentum<sup>\u00ae<\/sup> VISA Infinite* Card<\/b><\/span><\/h2>\n<p>The <a data-ccid=\"112\" href=\"\/blog\/link\/ScotiaMomentumVISAInfiniteCard\" rel=\"noopener nofollow sponsored\"><b>Momentum Infinite<\/b><\/a>\u00a0has four bonus cash back categories:<\/p>\n<ul>\n<li>Gas stations (4%)<\/li>\n<li>Grocery stores (4%)<\/li>\n<li>Drug stores (2%)<\/li>\n<li>Recurring bill payments (2%)<\/li>\n<\/ul>\n<p>At gas stations and grocery stores, the card earns 4% cash back on the first $25,000 spent annually, while it earns 2% cash back on the on the first $25,000 spent at\u00a0drug stores and in connection with recurring bill payments. All other purchases earn 1% cash back, including those more than $25,000 in the category bonus groups.<\/p>\n<p>Per the terms and conditions of the card:<\/p>\n<blockquote><p><em>Recurring payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your <b>Scotia Momentum<sup>\u00ae<\/sup> VISA Infinite* Card<\/b>. Recurring payments are typically telecommunication, insurance, membership, subscriptions etc. purchases. Not all merchants offer recurring payments.<\/em><\/p><\/blockquote>\n<p>If you can maximize the cash back earned from the bonus categories on the <a data-ccid=\"112\" href=\"\/blog\/link\/ScotiaMomentumVISAInfiniteCard\" rel=\"noopener nofollow sponsored\"><b>Momentum Infinite<\/b><\/a>, you could earn at least $1,500 in cash back annually. Even if you only spend $5,000 on each of the category bonus groups, you would earn at least $300 in cash back annually.<\/p>\n<h2><span id=\"Visa_Infinite_Benefits\">Visa Infinite Benefits<\/span><\/h2>\n<p><img data-aspectratio=\"600\/271\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"aligncenter wp-image-6633 lazyload\" title=\"Visa Infinite Canada\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2016\/08\/visa-infinite-canada.jpg\" alt=\"Visa Infinite Canada\" width=\"600\" height=\"271\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2016\/08\/visa-infinite-canada.jpg 989w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2016\/08\/visa-infinite-canada-300x136.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2016\/08\/visa-infinite-canada-768x347.jpg 768w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<p>Visa Infinite cards provide an array of extraordinary benefits worldwide, and the\u00a0Momentum Visa Infinite is no exception. Among the Infinite-related benefits provided by this card are the following:<\/p>\n<ul class=\"bullets\">\n<li>Access to exclusive offers through <a href=\"http:\/\/www.visainfinite.ca\/\" target=\"_blank\" rel=\"noopener\">VisaInfinite.ca<\/a>.<\/li>\n<li>Visa Infinite complimentary concierge service available 7 days a week, 24 hours a day, which can\u00a0help\u00a0with almost any request, from planning activities to making restaurant reservations, and helping you select the perfect gift.<\/li>\n<li>Access to Visa Infinite Luxury Hotel Collection, which provides benefits such as\u00a0automatic room upgrades (where available) and complimentary continental breakfast.<\/li>\n<li>Visa Infinite Dining Series with dining experiences in some of Canada's top restaurants, where\u00a0you can dine in a private, sophisticated setting. Each event will include a sparkling wine reception with hors d'oeuvres, a multi-course meal with wine pairings, and the opportunity to meet the host chef.<\/li>\n<li>Special access to unique offers and experiences.<\/li>\n<\/ul>\n<p><em><a href=\"https:\/\/www.visainfinite.ca\/infinite\/index.jsp\" target=\"_blank\" rel=\"noopener\">A full breakdown of Visa Infinite Benefits<\/a><\/em>.<\/p>\n<h2><span id=\"Requirements_Rates_and_Fees\">Requirements, Rates, and Fees<\/span><\/h2>\n<ul>\n<li>You're a Canadian citizen OR are a Permanent Resident<\/li>\n<li>You're at least the age of majority in your province or territory<\/li>\n<li>You've not declared bankruptcy in the past 7 years<\/li>\n<li>Your annual gross income is at least $60,000 or your household income is at least $100,000<\/li>\n<li>The annual fee for the Momentum Visa Infinite is $99 (waived first year). Additional users can be added for $30 each.<\/li>\n<li>The minimum credit limit provided with this card is $5,000.<\/li>\n<\/ul>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>For Canadian residents interested in a credit card that allows you to maximize cash back earnings, the <a data-ccid=\"112\" href=\"\/blog\/link\/ScotiaMomentumVISAInfiniteCard\" rel=\"noopener nofollow sponsored\"><b>Momentum Infinite<\/b><\/a> is an excellent product, especially if you tend to spend a lot on grocery stores and gas stations. The Visa Infinite benefits provided alone can make the annual fee worth it and with cash back, you're earning the\u00a0most flexible travel rewards currency.<\/p>\n<p>*All rates mentioned are in\u00a0CAD.<\/p>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Cash_Back_Details_for_the_Scotia_Momentum_VISA_Infinite_Card\">Cash Back Details for the Scotia Momentum<sup>\u00ae<\/sup> VISA Infinite* Card<\/a><\/li><li><a href=\"#Visa_Infinite_Benefits\">Visa Infinite Benefits<\/a><\/li><li><a href=\"#Requirements_Rates_and_Fees\">Requirements, Rates, and Fees<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Scotiabank offers three cash back products to is Canadian customers under the Momentum brand: the , the , and the . The Visa Infinite is considered the premium product among these three, and while it comes with a higher annual fee, it also provides an extensive array of benefits. Additionally, the Infinite card is significantly [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":6634,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":false,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"","_twitter_share_type":"","_linkedin_share_type":"","_pinterest_share_type":"","_linkedin_share_type_page":"","_instagram_share_type":"","_medium_share_type":"","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620],"coauthors":[36434],"class_list":["post-4977","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/4977","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=4977"}],"version-history":[{"count":25,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/4977\/revisions"}],"predecessor-version":[{"id":254939,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/4977\/revisions\/254939"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/6634"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=4977"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=4977"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=4977"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=4977"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}