Seek out credit cards that waive their annual fees for the first year. Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to the Bank of Nova Scotia. All Scotiabank retail credit cards, except ScotiaLine Visa Card, Scotiabank Value Visa Card, and No-Fee Scotiabank Value Visa Card, will have Visa payWave when issued or reissued. The Scotia Momentum Visa Infinite credit card provides one of the best cashback programs available in Canada. Includes: gas stations, paying at the pump, buses, taxis, trains, rideshare, and more. With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 20%12 of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event you are diagnosed with a covered Critical Illness13, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $50,000. After the special offer period, keep earning cash back on your everyday purchases. B) Scotiabank Momentum Visa Infinite: $120 annual fee (waived in year one), up to 4% cash back, comprehensive travel rewards, car rental insurance, mobile device insurance, and more. The cash back card with the most awards in 2019â. For a limited time, the Scotia Momentum ® Visa Infinite* Card is offering new cardholders 10% back on all purchases for the first three months, up to $2,000 in total purchases. If you drive a ton and love to eat (or feed), then this card might very well be for you. The Certificates of Insurance and/or Terms and Conditions contain full details of all coverages and services provided by American Bankers Insurance Company of Florida and American Bankers Life Assurance Company of Florida. Â, Learn more about Scotia Credit Card Protection, You must have a minimum annual income of $60,000 or a minimum household income of $100,000 or a minimum assets under management of $250,000.Â, Get the Scotia Momentum® Visa Infinite* Card. The $139 annual fee is slightly higher than the average $120 for most travel cards of this calibre, and there are also other credit cards on the market that have higher earning rates in similar reward categories (like Scotia’s own Scotia Momentum® Visa Infinite* card or the new American Express Cobalt TM Card). Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program Terms. If you make more than $25k in purchases on your card or make purchases that don’t qualify for the 4% or … Earn 4% for every $1 you spend on recurring bill payments. (Please check with your merchant to see if they offer recurring bill payments on Visa cards.). Your monthly account fee of $15.95 per month won’t change. This optional insurance coverage can provide you and your family financial protection by paying off your outstanding account balance or helping to cover your monthly credit card payments as a result of certain unexpected life events, such as Death, Critical Illness, Hospitalization, Disability, Job Loss or Strike or Lockout. Budget Reservations may be made online at Budget.com/scotiabankmomentuminfinite or by calling 1-800-268-8900. The card will also up its insurance offering along with its annual fee. Transactions made by the additional Supplementary Cardholder are easily identified on your statement. At any one time, card providers … Pylin on June 10, 2018 at 11:03 AM. Earn 1% cash back on all other purchases with no cash back limit. Note that the rental period cannot exceed 48 consecutive days. Welcome Kit Examples: insurance premiums, utilities, gym memberships and more. Charge at least 75% of the full ticket cost to your Card and youâll be eligible for reimbursement of necessary expenses, such as hotel accommodations, meals, and other emergency items.7. For instance, I have RBC Avion visa infinite privilege with a $499 annual fee, and I would like to know whether AMEX centurion platinum, with a $699 annual fee, … Read our expert's … However, if you want to add a supplementary user, it’s $50 per person, annually. Awarded a total of 13 awards and recognitions for cash back cards in Canada in 2020 by 8 of Canadaâs major credit card comparison websites. 2. Your account number and any direct deposits or pre-authorized transactions you’ve set up with your Momentum … The Smart Cash Mastercard is moot, however, if you are already carrying a World Elite card (discussed above), as any purchase made with a World Elite card will earn the same or more rewards than the MBNA … Card holders earn cash back on all purchases at varying rates. All insurance claims or request for services must be forwarded to the providers. The 10% Cash Back and First Year Annual Fee Waiver Offer (the âOfferâ) applies only to new Scotia Momentum® Visa Infinite* credit card accounts (âAccountsâ) that are opened, and any supplementary Account cards issued, by February 28, 2021 and is subject to the below terms and conditions. All other terms and conditions of the Program Terms continue to apply during the Offer period. First-year annual fees for the Scotia Momentum Visa Infinite are waived for all new applications. Qualification requirement: annual income of $60,000 or household income of $100,000; Annual Fee: $120 Earning Rate: 4% on Groceries (incl. Edit Spend. High income requirements. … Although the cashback element may be the headline attraction of this Scotia … Earn up to 30,000 bonus Scotia Rewards points in your first year (thatâs up to $300 towards travel).â¡, Enjoy complimentary airport lounge access7. Negatives: The downsides to Scotia Momentum® VISA Infinite Credit Card include the annual interest rate of 19.99%. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer. For details, and to check out the current exclusive Card holder offers, visit Visainfinite.ca. You will earn 2,000 bonus Scotia Rewards points for every additional $10,000 in Purchases thereafter in that same year, after the $40,000 annual spend has been reached.Â. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place. The Scotia Momentum VISA Infinite card has a minimum credit limit of $5,000 and offers competitive interest rates at 20.99% on purchases, and 22.99% on cash advances. 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)1. As a Scotia Momentum® Visa Infinite* Card cardmember, you, your spouse and accompanying dependent children are each automatically covered for up to $1 million in emergency medical coverage if sudden and unexpected illness or accidental injury should occur while travelling outside your province or territory of residence in Canada. The card … Generally, the … Negatives: The downsides to Scotia Momentum® VISA Infinite Credit Card include the annual interest rate of 19.99%. You will earn cash back on the purchases made by your Supplementary Cardholder at the same rate that you earn cash back rewards on purchases made on your Card. You will need to provide proof that your annual gross income is above $12,000 per year. Not all merchants offer recurring bill payments. Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only. Scotiabank Passport Visa Infinite – How It Compares to Other Popular Credit Cards. Based on a first year annual fee waiver of $120 for the primary card, $50 for one supplementary card, and a potential bonus cash back earning of at least $180 during the Offer period assuming a minimum spend of $2,000 at the lowest possible cash back earn rate under the Program of 1% (i.e., Cash Back Bonus Rate of 9% x $2,000). Actual value will vary based on number of supplementary cards issued for the Account and individual category spend in the first 3 months. See full Offer terms and conditions above. Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer. Take advantage of all the ways a Scotia Momentum® Visa Infinite* Card adds to your life. Apply Now . Belongs on list of best credit cards. Apple Pay - The easy, secure, and private way to pay with your eligible Scotiabank credit cards.9. Savour a delicious, multi-course meal and expertly paired wines. Scotia Rewards Travel Service booking site provided by a duly licensed 3rd party travel agent: Visit scotiarewards.com for full terms and conditions about the Scotia Rewards Program, including the Scotia Rewards Travel Service. Search this thread. Scotia Momentum Visa Infinite Card annual fee review $120 Annual fee $30 Additional card fee Annual fees are one of the most common credit card fees. The Passport Visa Infinite card, however, is the only travel card from … The Account is considered in good standing if it is not delinquent (past due) or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. always geared towards increasing future company profit for rewarding bonuses to executives and their shareholder-owners et al. Awarded a total of 13 awards and recognitions for cash back cards in Canada in 2020 by 8 of Canadaâs major credit card comparison websites. The Scotia Momentum Visa Infinite Card offers a full suite of perks and benefits in return for a relatively low $120 annual fee. That’s $35 USD in annual savings! Credit Cards. Scotia Momentum Visa Infinite pays 4% cash back on grocery and gas purchases, 2% on drugstore purchases, with annual fee of only $99. Scotiabank U.S. Dollar Visa annual fee waiver. You, your spouse, one travelling companion and your eligible dependent children travelling with you, are automatically insured for up to $1,500 per person for eligible expenses (maximum $10,000 per trip), when you charge at least 75% of such trip expenses to your Scotia Momentum® Visa Infinite* Card and are forced to cancel your trip for eligible medical or non-medical causes. Reply. The manufacturerâs warranty is also doubled for up to one year.7. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted. There are two different coverage bundles to choose from: EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 4% then the Cash Back Bonus Rate will be 6% for that category so that you will earn a total of 10% on the amount of all eligible everyday purchases in that category until the Offer End Date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The current preferred annual interest rates for this Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). Lost or stolen cards View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you. The Account is considered in good standing if it is not delinquent (past due) or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. I've signed up for the Ultimate package as one of the benefits is free annual fee for an eligible card, which fortunately includes the Momentum Infinite. Simplify Record Keeping Spending on your Scotiabank Visa Account is consolidated into one monthly statement. The Scotia Momentum No-Fee Visa is the ideal budget credit card, best suited for everyday spending. Click to Pay is an online checkout solution provided by a third party that supports American Express, Mastercard and Visa cards and is based on EMV® SRC Specifications. Please quote Budget Corporate Discount number A363302. The date of departure is counted as the first day. Scotia doesn't have a fee … Once you qualify, weâll credit your account in 2 instalments: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the offers. C) Scotia Momentum No-Fee Visa: $0 annual fee… Scotia Momentum® Visa Infinite* Card snapshot Great reasons to get this card for your everyday purchases Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total … Card. Earn 4% for every $1 you spend on recurring subscription purchases. Visa. When you charge the full cost of most items to your Card, extended warranty coverage doubles the original manufacturerâs warranty for up to one year. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within 7 months from the Account open date; andÂ. The Scotia Momentum Visa Infinite card was the winner of the MoneySense best cashback card with a fee in 2019 - and for good reasons! Registered trademark of The Bank of Nova Scotia. Scotia Momentum® Visa Infinite* card: At A Glance; Welcome Bonus: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Annual fee: $120 . Scotia Momentum Visa Infinite Card is charging $120 as the annual fee and it's charging $30 as per additional credit card. 3. Remember that the 21.99% rate you have to pay for cash advances and balance transfers is a bit on the higher side, but it is not an issue as long as you are punctual and make your payments in full by the due date. 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