Scotiabank · Mastercard
Scotia Momentum Mastercard Credit Card
Cash back
Annual feeNone
Foreign transaction fee2.5%
Purchase rate20.99%
Income requirementPersonal $12,000 or Household $12,000
Welcome offer
Not verified yet7.99% purchase rate for the first 6 months
7.99% purchase rate for the first 6 months, then 20.99%.
- Minimum spend
- —
- Apply by
- October 31, 2026
The apply-by date on the issuer's site (October 31, 2026) has passed. This is what I saw on October 11, 2026, and it needs to be checked again.
This card's data was imported on September 6, 2026 and has not been checked against the issuer's page yet. Check the issuer's website before you apply.
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- No annual fee
- Foreign transaction fee
- 2.5%
- Purchase rate
- 20.99%
- Cash advance rate
- 22.99%
- Income requirement
- Personal $12,000 or Household $12,000
- Costco in store
- Accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026.
Rewards
What each category earns
| Category | Earn per $1 |
|---|---|
| Groceries | 1% |
| Dining and delivery | 0.5% |
| Gas and EV charging | 1% |
| Recurring bills | 1% |
| Transit | 0.5% |
| Drugstores | 1% |
| Travel | 0.5% |
| Entertainment | 0.5% |
| Phone and internet | 0.5% |
| Streaming | 0.5% |
| Online shopping | 0.5% |
| Convenience stores | 0.5% |
| Office supplies | 0.5% |
| Other spending | 0.5% |
High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. Imported on September 6, 2026, not checked line by line.