The best cash back card for heavy grocery spenders and those with bills to pay. If you’ve got a big family to feed, this could be the card for you.

Annual Fee
Extra Card Fee
Card Type
Cash Advance
Balance Transfer
Personal Income
Household Income
Canadian resident who has reached the provincial age of majority.
Extended Warranty 1 year
Purchase Protection 90 days
Mobile Device $1,000
Travel Accident $500,000
Emergency Medical Term 15 days
Trip Cancellation $1,500
Trip Interruption $2,000
Flight Delay $500
Baggage Delay $500
Lost or Stolen Baggage $500
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

If we find your match, we’ll give you up to $25 when you refer your friends.*

Our Review

If you have a lot of subscriptions or a large troop at home to feed, then the Scotia Momentum Visa Infinite is without a doubt the one card you need in your wallet. The 4% cash earned on recurring bills and grocery spending is unmatched by any competitor.

For example, if you were to spend $2,000 per month on just recurring bills and groceries, that's $960 in cash right there. With other cards you'd only get $480 on that same spending. The downside is that on most other purchases you'll only be earning 1%.

And to top it all off, the first year is free.

The truth is that the flat 2% and lower annual fees of other top cards will often net you more cash annually. If you're not sure about your situation, use our cash back comparison tool to enter your own spending patterns and see which card pays you the most.

The other thing to keep in mind with this card is that you only get paid once a year as a statement credit. That can be a good thing for some people because it is like a forced savings plan that you can use for a bigger purchase once a year. For others, it may be an inconvenience.

You'll also want to watch out for the extra $50 fee Scotiabank charges to get secondary cards. It would be nice if they threw at least one extra card in for free.

On the plus side, it does offer complimentary concierge service along with Visa Infinite experiences so you can get VIP access to special events, concerts, and restaurant soirees.

If a flat rate cash back card is more your style, then the may be more up your alley. For a slightly lower annual fee, you’ll get 2% cash back on every purchase.

What are your thoughts?

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Featured In:

The Globe and Mail
Financial Post
New York Times