Scotiabank
Scotiabank Momentum No-Fee Visa
Get cash back on everyday essentials with no annual fee, ever. Plus a 0% introductory balance transfer rate for your first 6 months.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$0
Purchase rate
20.99% (purchases)
FX fee
2.50%
Grace period
21 days
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- 1% cash back on groceries, gas, EV charging, transit, food delivery, drugstores, recurring bills and eligible subscriptions (up to $15,000 annual spend)
- 0.5% on all other eligible purchases
Rates & fees
| Annual fee | $0 |
|---|---|
| Supplementary card fee | $0 |
| Purchase APR | 20.99% (purchases) |
| Balance transfer intro | 0% for the first 6 months (promotional offer) |
| Balance transfer rate | 22.99% |
| Balance transfer fee | 2% of the amount transferred on the promotional offer; otherwise greater of $5.00 or 1% |
| Cash advance | Greater of $5.00 or 1% in Canada ($7.50 outside Canada); cash advance APR 22.99% |
| Foreign exchange fee | 2.50% |
| Grace period | 21 days |
| Network | Visa |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.