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Our top-rated cash back card, the offers not only top-notch cash back rewards, but great insurance and premium Visa Infinite perks.

To top it off, the first year is free, giving you a whole year to try out the card with no financial commitment.

Despite all this, it’s been lacking when it comes to a drool-worthy sign-up bonus to really kickstart your earnings.

That is, until now…because they just brought back their old bonus.

Earn 10% cash back for the first 3 months

Now, you can earn even more cash back in the first 3 months.

Earn 10% cash back on all purchases made to the card, up until you’ve spent $2,000.

That’s $200 in cash back right there.

Just remember this number includes the amount you’d normally be earning with the card anyway, so the bonus isn’t worth the full $200.

So to maximize this bonus, try and spend as much as you can on non-category items. This way, you’ll reap the most of this benefit – getting 9% extra cash back instead of just 8% or 6% more.

Just note this offer ends on April 30, 2020. Because it (most likely) won’t last forever, if this card interests you, be sure to apply before then.

Scotiabank Momentum Visa Infinite details

New to this card? Well let us introduce you to our #1 cash back card – and how you’ll be earning a whole lot of cash back with it:

  • 4% cash back on groceries and recurring bills (up to $25K spent annually),
  • 2% cash back on gas and transit purchases (up to $25K spent annually), and
  • 1% cash back on all other purchases.

No other cards are offering 4% cash back on 2 essential categories, and 2% cash back on your gas and commuting purchases. It’s tough to top the rewards this card offers.

Just note that your cash back rewards only get paid out every November as a statement credit. Just think of it as a yearly bonus you can use for a special treat.

But this card doesn’t stop at valuable rewards. While most premium cash back cards have limited insurance coverage, this card has an extensive list, including the rare mobile device coverage.

Here’s what it offers:

And finally, you get access to all the Visa Infinite benefits. These include:

You can see everything this program has to offer here.

All that for an annual fee of $120 – that’s currently waived for the first year as well.

Your thoughts

What are your thoughts on this current offer?

Let us know in the comments below.