Mastercard1/4 on file
Annual fee: issuer restricts access
Scotiabank · Mastercard
Scotia Momentum® Mastercard®
The Scotia Momentum® Mastercard® is a Mastercard from Scotiabank. Scotiabank's site does not let us read its terms, so we leave the annual fee blank — check it on Scotiabank's own site. Here is what we hold on it, and what we do not.
Opens Scotiabank’s site
Ledger entry
The receipt
Every cost line we hold for the Scotia Momentum® Mastercard®, exactly as recorded.
- Annual fee
- Not confirmedWe couldn't verify this · check with the issuer
- Supplementary card
- FreeChecked FCAC comparison tool
- Foreign transaction
- 2.5%Checked FCAC comparison tool
- Purchase APR
- Not confirmedWe couldn't verify this · check with the issuer
- Income requirement
- C$12,000Checked FCAC comparison tool
- Network
- Mastercard
- Credit needed
- Not confirmed
Sign-up
The welcome offer
No welcome offer on file
We couldn't verify this · check with the issuerWe hold no published welcome offer for the Scotia Momentum® Mastercard®. That may mean there isn’t one, or simply that we have not recorded it — Scotiabank’s own page is the place to check.
Rewards
What it earns
Published category multipliers for the Scotia Momentum® Mastercard®.
| Category | Earn rate | Cap |
|---|---|---|
| Drugstores | 1% | No cap on file |
| Gas & Fuel | 1% | No cap on file |
| Groceries | 1% | No cap on file |
| recurring bill payments like utilities and gym memberships | 1% | No cap on file |
| Other | 0.5% | No cap on file |
Included
Perks & benefits
Card benefits
- 1% cash back on gas, groceries and drug store purchases
- 0.5% cash back on all other eligible purchases
- Introductory 7.99% interest rate on purchases for 6 months
- Mastercard Zero Liability protection
- Up to 25% savings on Avis and Budget car rentals
- Shell Go+ fuel discounts and cash back when linked with Scene+
Next step
Ready to apply for the Scotia Momentum® Mastercard®?
You'll finish the application on Scotiabank's own site. Terms can change without notice, so check the fee and offer there before you commit.
Apply nowOpens Scotiabank’s site
Questions
Questions about the Scotia Momentum® Mastercard®
How much is the Scotia Momentum® Mastercard® annual fee?
We could not verify the Scotia Momentum® Mastercard®'s annual fee, so we do not print one. Check the current annual fee on Scotiabank's own site before you apply.
What does the Scotia Momentum® Mastercard® earn?
The Scotia Momentum® Mastercard® earns 1% on drugstores, plus published rates on 4 other categories. The full table is on this page.
What network is the Scotia Momentum® Mastercard® on?
The Scotia Momentum® Mastercard® runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.
Is the Scotia Momentum® Mastercard® available in Canada?
Yes — the Scotia Momentum® Mastercard® is issued by Scotiabank and is available to eligible applicants in Canada. Approval depends on the issuer's own credit and income criteria.
When were the Scotia Momentum® Mastercard® figures last checked?
We checked its supplementary card fee in September 2026, its foreign transaction fee in September 2026, its income requirement in September 2026 and its earn rates in September 2026, each against a published document. We could not verify, so we do not print: annual fee, purchase APR and welcome offer. Check them with Scotiabank. Terms can change without notice, so confirm the current details with Scotiabank before you apply.