Scotiabank features a variety of credit cards for its customers, like the Scotia Momentum® Visa or Scotia Momentum® Visa Infinite. They’re made for different profiles, with people who have different needs and financial goals.

Some cards offer great rewards; others provide travel benefits. Also, there are some designed for students. And there are credit cards for those who look for low-interest rates and zero annual fees.

Whether the card you choose, you must keep in mind your financial planning, as well as your objective. 

Today, we will compare the Scotia Momentum® Visa card and Scotia Momentum® Visa Infinite. Take a look at this card comparison article to choose wisely which fits your wallet better.

This Visa is a fantastic option for those who are searching for rewards and an excellent introductory offer.

The Scotia Momentum® Visa gives you 2% cash back on eligible gas stations, drug stores, grocery stores, and recurring bill payments. Also, it offers 1% cash back on all other eligible purchases.

Basically, you earn rewards on everyday purchases. Which is pretty good since it is the category you probably most spend on.

Although it charges $39 as an annual fee, the card provides an introductory interest rate on balance transfers of 2.99% in the first six months.

After that period, the APR is 19.99% on purchases, and 22.99% on cash advances. That includes balance transfers, cheques, and transactions.

Moreover, the minimum credit limit is $500, and each additional card is $15 per year.

Besides the rewards and special offers, this Visa comes with some extra benefits. You can get car rentals discounts, extended warranty protection, and purchase security.

Other possibilities for coverage are optional.

Furthermore, Scotiabank provides support and online and mobile services for you to manage your credit card and bills.

On the other hand, if you want a complete package of benefits and perks, you should take a moment to meet the Scotia Momentum® Visa Infinite credit card.

When it comes to rewards, no other card can beat this one. This Visa Infinite has become one of the most awarded cards in 2020, 2021, and 2022.

First of all, as a special offer, it gives you 10% cash back on all purchases in the first three months by the limit of $2,000 in total purchases.

After that, you earn 4% cash back on recurring payments and groceries. Plus, a 2% cash back on daily transit and gas, and 1% cash back on everything else.

Besides the rewards, the card offers 24/7 concierge service and exclusive access to hotel collection, dining, and wine country experiences.

And a complete package of insurance and coverage that includes travel emergencies insurance, extended warranty protection, purchase security, new mobile devices protection, and much more.

Of course, all those advantages come with a price. The annual fee is $120, and the APR ranges from 20.99% on purchases to 22.99% on cash advances.

But it waives the annual fee in the first year, and the minimum credit limit is $5,000.

This card offers a fantastic welcome bonus and an amazing reward structure. It is definitely a good choice for those who use the card on a daily basis for everyday purchases.

The interest rate in the first six months is 2.99% on balance transfers, and you get some insurance coverage, too.

There are many benefits of carrying this credit card in your wallet. Besides the exceptional rewards, the card is excellent for those who travel a lot.

Since it offers a complete insurance coverage package, you can enjoy exclusive experiences and be supported all the time.

Unfortunately, this Momentum Visa comes with an annual fee. Also, the insurance coverage is quite simple, as it only includes Extended Warranty Protection and Purchase Security.

Even though this Scotia Momentum Infinite offers many rewards and benefits, it charges a high annual fee of $120 per year and $50 for each supplementary card.

Also, it requires a high minimum income to qualify.

If you meet the requirements and have the opportunity to pay a high annual fee, the Infinite card is a fantastic option, especially for those who travel a lot.

On the other hand, if you need a reasonable credit card to focus on your daily routine, the Scotia Momentum® Visa Card might be best.

However, if you are looking for a option with no annual fee, see below!