What is the best momentum credit card in Canada?

Rankings change over time. See the live list above, which is updated as offers and fees change. We evaluate annual fees, earn rates, welcome offers, insurance, and foreign fees.

How do momentum credit cards work?

These cards earn rewards or benefits tailored to the category. Compare annual fees, base earn rate, boosted categories, and redemption flexibility before applying.

How do you score and rank cards?

We use a transparent scoring model that weighs rewards value, fees, APRs, insurance, and perks. See the Methodology section for details.

Best Momentum Credit Cards in Canada 2025

Compare 6 best momentum cards from Canada's top banks in 2025

Momentum Credit Cards in Canada 2025

Compare the best momentum credit cards available in Canada. Our comprehensive comparison includes cards from major banks like TD, RBC, BMO, CIBC, and Scotiabank, helping you find the perfect card for your needs.

Whether you're looking for rewards, low fees, or specific benefits, our detailed reviews and comparisons make it easy to find the right momentum credit card for your lifestyle and spending habits.

Best Credit Cards in Canada

The Honest Canadian Rankings

Scotia Momentum No-Fee Visa Card

Scotiabank

VISA

Annual Fee

$0.00

Purchase APR

19.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).

✨

Key Benefits

•NO ANNUAL FEE
•Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
•Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (2% fee per cash advance, 22.99% after that; annual fee $0).
•Annual fee: $0
•Interest rates: 19.99% purchases / 22.99% cash advances

Card Features

Cash BackMomentumNo FeeBalance Transfer

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Scotia Momentum No-Fee Visa Card (for students)

Scotiabank

VISA

Annual Fee

$0.00

Purchase APR

19.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).

✨

Key Benefits

•Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
•Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (2% fee per cash advance, 22.99% after that; annual fee $0).
•Annual fee: $0
•Interest rates: 19.99% purchases / 22.99% cash advances

Card Features

Balance TransferStudentNo FeeCash BackMomentum

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Scotia Momentum Visa Infinite Card

Scotiabank

VISA

Annual Fee

$120.00

Purchase APR

20.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).

✨

Key Benefits

•Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
•Plus, no annual fee in the first year, including on additional cards.
•Annual fee: $120
•Interest rates: 20.99% purchases / 22.99% cash advances

Card Features

Visa InfiniteCash BackPremiumMomentum

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Scotia Momentum Mastercard credit card

Scotiabank

MASTERCARD

Annual Fee

$0.00

Purchase APR

20.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Earn 1% cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.

✨

Key Benefits

•Earn 1% cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.
•7.99% introductory interest rate on purchases for the first 6 months (20.99% after that; annual fee $0).
•Annual fee: $0
•Interest rates: 20.99% purchases / 22.99% cash advances

Card Features

Cash BackMomentumNo Fee

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Scotia Momentum Visa Card

Scotiabank

VISA

Annual Fee

$39.00

Purchase APR

19.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).

✨

Key Benefits

•Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).
•Annual fee: $39
•Interest rates: 19.99% purchases / 22.99% cash advances

Card Features

Balance TransferCash BackMomentumLow Fee

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Scotia Momentum Visa Card (for students)

Scotiabank

VISA

Annual Fee

$39.00

Purchase APR

19.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).

✨

Key Benefits

•Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).
•Annual fee: $39
•Interest rates: 19.99% purchases / 22.99% cash advances

Card Features

StudentLow FeeCash BackMomentumBalance Transfer

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