Scotiabank · Rewards Calculator
Scotia Momentum Visa Infinite CardRewards Calculator
| Category | Earn Rate |
|---|---|
| Groceries and recurring payments like bills and subscriptions | 4% cash back |
| Gas, electric vehicle charging, daily transit, and food delivery | 2% cash back |
| All other purchases | 1% cash back |
Enter Your Monthly Spending
We'll calculate your cash back earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your cash back earnings with the Scotia Momentum Visa Infinite Card.
Or try a quick-fill preset to get started
Ready to apply for the Scotia Momentum Visa Infinite Card?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your Cash Back.
Welcome Bonus
Bonus
15% cash back on all purchases for the first 3 months (up to $2,000 in spend)
~$300 estimated value
How to Earn It
15% cash back
Spend $2,000 first 3 months
Offer Expires
2026-11-01
Card Details
- Annual Fee
- $120/yr (1st year waived)
- Additional Card Fee
- $50
- Network
- Visa
- Rewards Program
- Cash Back
- Purchase Interest Rate
- 20.99%
- Cash Advance Rate
- 22.99%
- Foreign Transaction Fee
- 2.5%
- Min. Income Required
- $60,000
- Lounge Access
- No
Insurance & Perks
- Travel emergency medical insurance (15 days, $1,000,000)
- Travel accident insurance ($500,000)
- Trip cancellation insurance ($1,500)
- Trip interruption insurance ($2,000)
- Flight delay insurance ($500)
- Baggage delay insurance ($500)
- Lost or stolen baggage insurance ($500)
- Car rental collision/loss damage waiver
- Mobile device insurance ($1,000)
- Purchase protection (90 days)
- Extended warranty (1 year)
How to Use the Scotia Momentum Visa Infinite Card Rewards Calculator
This calculator helps you estimate how many Cash Back you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the Scotia Momentum Visa Infinite Card's earn rates to show you a complete breakdown.
Understanding Scotia Momentum Visa Infinite Card Earn Rates
The Scotia Momentum Visa Infinite Card earns Cash Back at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Groceries and recurring payments like bills and subscriptions: 4% cash back
- Gas, electric vehicle charging, daily transit, and food delivery: 2% cash back
- All other purchases: 1% cash back
By focusing your spending on the highest-earning categories, you can maximise the value you get from the Scotia Momentum Visa Infinite Card. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your Cash Back
The true value of your Cash Back depends on how you redeem them. As part of the Cash Back program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
Is the $120 Annual Fee Worth It?
The Scotia Momentum Visa Infinite Card carries an annual fee of $120. Use this calculator to see whether the value of your earned rewards exceeds the fee. The "Net Value" card in the results shows your estimated rewards value minus the annual fee — if it's positive, you're coming out ahead.