This is a great card to have as a primary, given that it collects a solid 3.00% on both gas and groceries, and 1.00% elsewhere. Scotia Bank refused to cancel the fee so I asked that they cancel the card, they agreed to cancelling the card. Make sure to use the card for all your gas and groceries, because this is where the cash back really starts to pile up! For Scotia’s Visa cards you can get mobile alerts for: – Purchases above an amount you choose – Purchases without the VISA card present (e.g., via online, telephone) = Transactions outside of Canada – Bill payments – Minimum payment due for VISA or Line of Credit – Credit limit almost reached on VISA or Line of Credit – Missed payment on VISA or Line of Credit – Account balance goes above or below a specific amount – Current account balance – Last five transactions, I would like to apply for cash back visa card please. At end of year or at the end of the 12 months period. The Scotia Momentum Visa Infinite is best for those who spend $450 per month or more on their recurring bills/groceries. Scotia Momentum VISA Infinite Review 2021. I HAVE FORGOTTEN MY PIN FOR MY CARD. I realized it a year after using it. Weâve linked it for you below, so you can see which grocery stores in your area are eligible. Bonus worth $100. 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. I tried clicking on the apply button at the top, but I can’t find any information regarding the bonus 10% cash back on the next page that opened. “. The same annual diminishing returns apply separately to Scotia’s 2% categories (gas and transit) as well. I’m not a fan of banks and credit cards, currently using only RBC signature rewards card but collecting points there it takes years and $$$…to get 500$ gift card or similar I need to collect 60 000 or 80 000 points and most stores they give you 1 point for 1$. Written by creditcardGenius Team. Optional insurance coverage. I paid with my Scotia Momentum Visa Infinite card a trip in Morroco in April 2020 with a bunch of friends. http://www.scotiabank.com/images/en/filespersonal/20600.pdf. Why get the Scotia Momentum VISA Infinite card? Thatâs tough for banks, but for cardholders like us itâs great. There is no promotional period for the highest tier of 4% and this rate stays. Say if my outstanding balance is less than the credit statement, will they transfer the whole amount or only the portion that covers the outstanding? They can help you with recovering your pin #. Finally, cardholders can expect that any purchase which doesn’t fall into these categories earns at the standard 1.00% rate. Scotiabank Momentum Infinite Visa Review. However, there are two things I have just realized. This is the only cash back card we know of that is specifically for business. Visa Infinite cards are Visa’s highest prestige cards with premier … The Scotia Momentum Visa Infinite cardâs 10% cash back deal is interesting because the cash back is segregated into two categories which both arrive to your account at different times. It seems to me that if you take out the sign-up offer, the Meridian Visa Infinite card has better benefits for same annual fee. Hereâs how the Scotiabank Momentum Visa Infinite cardâs new promotion works. How can I cancel the card? Just like any other card on the market, the Scotia Momentum Visa Infinite comes complete with its unique pros and cons. In the end, the Gold card definitely wins, but either is a solid bet. Scotia Momentum VISA Infinite Card Reward Redemption. If you happen to order from an international merchant, then youâre paying 1.50% extra (2.50% in foreign transaction fees plus the 1.00% cash back). The problem is that all of the things you would think are recurring that you can pay with your credit card are not as such – so this is proving to be totally of no value. There are several factors to consider, namely, which card network are you a member of? I even tried to pay my monthly itunes subscription but apple would not take this card. RBC also shows you Pending purchases online. In this Wealth Rocket article, we'll offer a Scotia Momentum Visa Infinite review, covering all of the details that come with one of Canada's most popular credit cards. How to Switch From a Secured To an Unsecured Credit Card, How to Increase Your Credit Cardâs Limit. But many of these credit cards offer limited usefulness if they’re not used to their full potential. Second, since you’ve already paid your annual fee, why not keep the card until November and redeem your $250 in cash back then? If a Scotia Momentum VISA Infinite account is closed at any time prior to the November statement, for any reason, all cash back earned to that time will be forfeited. Although the fact that it only redeems once per year at the end of the year is clearly written. 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. For me, this was house and cottage insurance, car insurance and boat insurance. This covers the 2.50% foreign transaction fee, netting you 1.50% on top and greatly widening the array of worldwide merchants you can order from. PLUS – perhaps the top perk in Canadian chequing account deals today – the Preferred Package will have the annual $140 fee waived for either of the top credit cards in Canada today: the Scotiabank Gold American Express or the Scotiabank Momentum Visa Infinite. The promotion ends Feb 29th. Will this fact disqualify me from the 10% cash back offer? the CIBC Dividend® Visa Infinite* Card (4%) or the TD Cash Back Visa Infinite* Card (3%). 3 My Mobile Wallet is now included with the FREE Scotiabank Mobile Banking app and lets you tap your smartphone on the terminal to pay.Just look for the Visa … One thing though, our understanding is that Scotia’s cash back redemption is only deposited into Scotia’s checking accounts, not savings accounts. Advertisers are not responsible for the contents of this site including any editorials or reviews that may appear on this site. $120 annual fee – first year free; 10% cash back on all purchases for 3 months (up to $2,000 in spending) Is the 10% bonus cash back rate or earning supposed to appear on your monthly statement? The cash back can be maximized even further by moving all recurring monthly payments onto the card, and buying as many gift cards as possible at grocery stores. Good luck! Regularly earn cash back on purchases from groceries to subscription and rideshare services, … Visa Infinite privileges (hotel upgrades, Travel insurance with medical, trip interruption & cancellation, People who often bounce from place to place using the subway and train, or taxis and Ubers, Those for whom groceries and/or recurring bills form their highest monthly expenses, Anyone planning to buy an expensive mobile device in the near future (e.g. When you go to cancel the card they refuse to pay you the cash back that you earned. Regardless, if that does not work for you, they will apply your cash back as a statement credit to your credit card statement once a year in November as well – which avoids you having to get a Scotia bank account, while still getting the same value. Thanks for your interest in the Scotia Momentum Visa Infinite Cash Back card. Plus, … These airlines have also received investment to keep themselves alive so they can restart. We bet youâre blessing your decision to decline the rental agencyâs insurance, as it may not have resulted in the same claim decision and regardless would have cost you extra. Plus, no annual fee in the first year, including on supplementary cards.1 A welcome offer value of $350.â, GreedyRates is Canadaâs go-to resource for all things personal finance. You can only transfer up to your credit limit. Basically $1 spent on grocery, restaurant, etc is 1 point earned but I get 4X the points, then 10000 points equals $100 I can redeem. If you don’t want to carry debt on the card, then keep it paid off more frequently. Thanks and good luck. Hi Cindy, thanks for stopping by. Another option would be the Rogers World Elite card, with 1.75% cash back on purchases in Canada, and 4.00% on foreign currency transactions. The Scotia Momentum Infinite Visa applies your cash back in November of each year. Hi RD, What about the CIBC Dividend Visa Infinite card? So beware. That said, there are several other credit cards that offer more cash back flexibility, which will hopefully pull Scotia in-line. This is a great way for this credit card company to keep you paying the annual fee. The Scotia Momentum Visa Infinite comes with some of the most competitive travel insurance options of any credit card, including travel credit cards, with benefits such as medical insurance, flight delay insurance, trip cancellation insurance, protection against car rental theft or damage, and more. 8.5/10. Interesting question! We'll demonstrate more reasons in this Scotia Momentum Visa Infinite review. The Scotia employee told me to keep it and that they will pro-rate the annual fee for the portion of the year that you used it until November. You will earn much more and also get an impressive bonus from Scotia. Tangerine World Mastercard. I’ve visited their branch 2 x, sent numerous emails and call in every month and they still cannot resolve this issue. Recurring bill payments are to be considered as Cash Advance with 20 %interest , and 2% cash back . Another alternative, and one thatâs good to keep as a secondary card, is the Rogers World Elite card. If you manage to spend a lot on gas, groceries, dining, and entertainment, you’ll earn the equivalent of $0.04 per $1. We recommend getting the Scotiabank Momentum Infinite card, as it represents a big step up from the RBC Signature card you currently hold. This card has given me only 53$ cashback (taking out the signing bonus) since I got it. Thanks for the great question. What Credit Card Should You Have at Your Income Level? Want our advice on a personal finance issue? Call Scotia and find out – it should be quick, as their representatives are really on the ball. If you drive a ton and love to eat (or … TD Cash Back Visa Infinite is offering a market-leading 9% promotional cash back rate, in addition to cash back rewards on gas and groceries. This card started out great with 4% on gas and groceries. Weâll try to clear that up for you. Hi Vincent, Just to add to that If youâre wondering why you are ineligible for trip cancellation/interruption insurance even though your trip was booked prior to the travel advisory coming into effect, itâs because there is no real trip cancellation if the airline did not fly. Good question, thanks for reading. Hello: I would like to say I have had a Scotiabank cash-back card for many years and have not paid a penny of interest. The Scotia Momentum Visa Infinite credit card has been around for a few years, and has gone through many changes over those years. Scotia Momentum Visa Infinite Card Review When the Visa Infinite cards were introduced initially, Scotia Bank did not release a version of the card like the other big banks. They took away gas but added recurring bill payments. That’s exactly what you’ll get with the Scotia Momentum® VISA Infinite Card! Scotia Momentum Visa Infinite Credit Card. If you reference our Loyalty Rewards Bible, you’ll see that one Scotia point is worth about $0.01, while 1.00% cash back per $1 gives the same. Hi: I just applied for the card. If you are tired of jumping through hoops to earn the most cash-back from your credit card, it may be time to make a change. Can i still get the rebate? The primary card has an annual fee of $39 and the supplementary cards also come with a $15 fee for each card. You saw this when the bank estimated a one-week card delivery, but it took an extra 4 daysânothing terrible, but nevertheless inaccurate. Great to hearâthe card has already paid for itself ten times over! Tap your Scotia Momentum Visa Infinite card or your smartphone for quick easy payments. Why You Should Apply For This Card. If you want more than just benefits, Mastercard's World Elite program and Visa's Infinite program has you covered. The Amex Essentials card is similar, offering 8.99%, and a 1.99% interest rate deal for balance transfers. I compared this side-by-side with MBNA Rewards World elite and that’s the closest to this card in terms of benefits with a $10 lesser annual fee but the insurance coverage doesn’t match the Scotia Visa Infinite card. For me, that was 3 months so it was worth it in order to get my $400. I have been pre-approved for Scotiaâs Momentum VISA – but after reading comments- Iâm wondering if thereâs a better option out there for me. Though youâve had the card before, this was almost a decade ago! You earn 10.00% total on every purchase category for your first 3 months, but the way that the cash back is paid out is staggered into two steps. Even so, you must look at your statement closely to determine where you’ve earned cash back. A whopping $1,400 for a scratch wouldâve been a real nuisance to pay. Who’s the Scotia Momentum® Visa Infinite* card For? Enjoy! We still recommend this as one of the best tools for travellers, because it offers 4.00% cash back on top of the 2.50% fee, and then 1.75% on purchases made in Canadian dollars. I spend roughly $3k-$5k (CDN). Then the rate is reduced to 1% for the remainder of the year (going back to 4% when the next year starts). If youâd rather earn at a lower rate on everyday purchases but more for gas and groceries, the best replacement is likely TDâs Cash Back Visa Infinite card: 3.00% on these categories plus a bonus for 10.00% on all purchases in your first three months. I have looked into scotiabank chequing accounts, and they all have fees to them..I currently have no fees at my online bank. We highly appreciate you coming to GreedyRates with your comment. Therefore I went to Scotia Assist i order to use the Travel insurance “trip cancellation”. I switched from a BMO Airmiles World Elite MC and didn’t regret as I found the “devaluing” of the Airmiles to be a rip off and just stopped collecting miles altogether. Enjoy! Technically, the merchants included in the program are determined by SIC code assigned to each merchant by VISA. (no fee first year, 2% cash back on ALL spend, $100 welcome bonus). PC Financial always waived interests when I was late. While the Scotiabank Momentum Savings Account offers the best rate among the Big Five banks, it’s only if you have a balance of $5,000 or more in your account. Great question. Overall though, I would say that the Scotia Momentum Visa Infinite is a very attractive card for the big gas/grocery spenders (greater than $470/month). If I spend my purchases that earn 1%..ill earn 9% for the first 3 months …then the 1% is paid out in November ?? It comes with a welcome offer worth up to $350, which includes a waiver of the 1st year’s annual fee, and a whopping 10% cashback on the first $2000 of purchases. I have just switched to Merdian Visa which offers 4% on gas and groceries. This is how it works even though cash back accumulation is calculated monthly, so you can keep steady track of your progress. if i already have a scotiabank credit card, i can’t get this offer? A Look Into A Decade of Canadian Spending, Term Life Insurance in Canada: All You Need to Know, How to Make Your Mortgage Interest Tax Deductible, Scotia Momentum® Visa Infinite* card Review. YOU must cancel your trip due to a covered unforeseen circumstance, not the airline. Just because a grocery store is not on the list, doesn’t mean it’s not eligible. The Scotia Momentum Visa Infinite is one of the most popular cashback cards in Canada, offering a 1st year annual fee waiver & cashback bonuses for … We’re not sure if you’ll need to open a new Scotia account in order to accrue rewards: some banks will require this and some do not. Because the Credit Card offers 2% cash back for recurring bills, you can use this opportunity and move all payments billed monthly onto the Scotia Momentum® VISA Infinite … Itâs just that card issuers and banks simply use the same static page as the destination for all their partner deals and promotions. #2 if you are a scotiabank customer and happen to transfer payments to the visa (vs. A bill payment), it actually nets down your purchases for the month. I hope this helps. Annual fee waiver is worth $99. Once you are the holder of a Scotia Momentum Visa Infinite card, you will see your cashback rewards credited to your account balance once a year, in November, with no action required on your end. You’ll earn 4% cash back on eligible recurring bill payments and grocery store purchases, which are some of the most frequent and predictable expenses for the average cardholder. Is the 10% offer still available? The truth is that many bills that are literally recurring, arenât considered ârecurring billsâ as defined by Scotiabank and most banks besides. Had this card for 3 years now. The promotional portion of your cash back, which was the 6.00% on top ($30), is deposited to your account within 2-3 statement periods. Scotia Momentum Visa Infinite Review 2020. Needless to say, I’m going to stop using this card and am NOT recommending anyone apply for this card until they get this problem resolved. Would Freshco be considered a 4% grocery place? The airline company cancelled the trip due to COVID and offer in exchange for a voucher to use with their airline valid 18 months. The Scotia Momentum No-Fee Visa is the ideal budget credit card, best suited for everyday spending. Wal-Mart is notably left off the list. Rewards Points: Which Is Worth More? Great card consistently getting $500 cash back per year. If you still want to net 1.50% after the foreign purchase, grab the Rogers World Elite Mastercard. The great advantage here is that the Momentum is a Visa … I called a good dozens of time, they lost my file then found it back, the, after 3 months they told me to call another Dpt named World Travel Protection. (Editor Rating) Ranking. Scotia Momentum VISA Infinite Card Contact Information. Scotia Momentum® Visa Infinite* card Review. Does Walmart qualify for the 4 percent Cashback? Thanks again for reading! The Momentum Visa Infinite by Scotiabank is alright, but it will only earn cash back at the base rate of 1.00% on Amazon purchases. If you’re referring to the Scotia Momentum card, we suggest you call the following number at Scotiabank: 1-888-882-8958. (pending purchases and email notifications?). Scotia Momentum Visa Infinite benefits. This is why the highest earnings rate of 1.50% on cards like the BMO CashBack Business Mastercard is only for internet, phone, and recurring bills purchases. Before you start considering whether this is the right card for you, let’s look at what it takes to get approved for this card. When youâre using credit cards that have a required purchase category for spending to accrue rewards at an accelerate rate, it can sometimes be confusing which stores are eligible and which arenât. To be eligible for the Scotia Momentum Visa Infinite, an applicant must prove a yearly income of at least $60,000 or a household income of $100,000. Since the maximum amount of cash back you can earn under the 10% deal is $200, then $80 of this cash back lump sum can be attributed to the bonus rate, and $120 to the regular rate. I called and asked for forgiveness but they did not want to waive the charge. I got scotia passport about 2 years ago from Scotia with no verification, just a visit for id check and upsell. Remember also that there are multiple factors that could increase or decrease your wait time, like how inundated the bank is with applications at any moment, the comprehensiveness of your credit report, and more. To us, this means that No Frills groceries will also be eligible, because both Loblaws (their parent company) and No Frills locations are present on the list. The Scotia Momentum Visa Infinite card is one of the best cashback credit cards in Canada.. You’ll get 4% cashback on grocery and gas spendings, 2% cashback for purchases at drug stores and recurring bill payments, 1% cashback on everything else. Both offer great perks that take your card way beyond something that simply earns rewards. I have had this card for 5 months and it has been a “Nightmare” to try and get Scotia Bank to set up a reminder Alert email to let me know when it’s time to pay. Are you looking for a well-rounded, high-earning cash back credit card with travel perks and no annual fee for the first year? It’s easy to see why: the earn rate for groceries and recurring bill payments is incredibly generous, netting users 4% cash back per dollar. Regardless, by November you’ll likely have more than the $39 in cash back that you’ve earned so far. Thankfully for you, youâre holding a Visa card, which considers Walmart Supercentres in Canada to be in the grocery category. Simply wave your card over the card reader and go! Thanks. Its purchase rate score is 77/100. I paid with my Scotia Momentum Visa Infinite card a trip abroad in April 2020 with a bunch of friends. If this doesnât describe you, then this isnât the card to get. Thanks for coming to GreedyRates. I notice Freshco is not on the list but Sobeys. Thanks for coming to GreedyRates with your comment. Quick pay. For gas and public or shared transit you’ll earn 2% cash back. (Unlike the President’s Choice Mastercards, which only offer bonus points at Loblaw’s stores.) Buried in the legalese we found, âFormer or current Scotiabank credit cardholders of any kind in the past 2 years, including those that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account, are not eligible for this Offer.â. Itâs understandable that you would want the cash instead of a voucher, but these airlines (even going into this pandemic) were facing or are facing economic issues where they couldnât or still canât give cash refunds right away. Hereâs an example: Letâs say youâve just received the card and decide to go buy groceries during the promotional period. It is also well suited for anybody looking to purchase a mobile phone and wants to have it insured. You can redirect it to your Scotiabank account and then transfer yourself to the line of credit. The promotion for 6.00% cash back ended a while ago, so you likely missed it if your card is just a month old. I called and applied for the card on March 15, 2019 and they said that the card should arrive at a local Scotiabank branch close to me in a week. If you spend $10,000 per month on construction supplies, for example, then that 0.75% means $75 cash back or $900 in your first year. The Scotia Momentum Visa Infinite’s biggest competition is arguably the Meridian Visa Infinite Cash Back card. Itâs true that a fair number of other cardholders are reporting that the new recurring bills category gives low value. Thanks, as well would Costco gas in the US qualify for the 4 percent as well? Between the two Scotiabank cards you mentioned, the rewards equivalence is neck and neck. All rights reserved, Hotel Credit Cards That Come With a Free Night, TD Aeroplan Visa Infinite Credit Card Review. If youâre looking for a card that offers a great earnings rate on Amazon purchases, youâre probably better off with something like the Rogers World Elite card, which collects cash back on everything at 1.75% (even Amazon purchases), and then 4.00% on purchases made in a foreign currency. Happy to check it for you as it represents a big step from... About recurring bill payments being considered âcash-like transactionsâ and therefore subjected to higher interest,. This thorough Review … Scotiabank Momentum Infinite card Review by talking a scotia momentum visa infinite review! Around for a well-rounded, high-earning cash back on this site including any editorials or reviews that appear... CardâS limit much scotia momentum visa infinite review coming to GreedyRates with your comment to activate the first months. Mastercards, which one works out better total purchases ) offer, make sure to: 1 thorough …... With their airline valid 18 months is nice as well it should be quick, as their representatives are on! You should apply for this card insurance though unlike Costco the card and then transfer to... By November you ’ ve threatened to leave demonstrate more reasons in this Momentum! Bonus is for you to do a comparison between this card is one of year. Credit cardâs limit at end of may 2020 back percentage above the regular rate arrives 2-3 months after the end... Even if you want to get people traveling again, but whether people want. In Canada to be in the same annual diminishing returns apply separately to Scotia ’ s a of. Standard 1.00 %, and 1 % back on âeverything elseâ is 1.00 % and. Deposited to my line of credit account ( Scotia line offers 1.75 cash! Benefit agreements are also other perks of card ownership including access to exclusive events... % bonus cash back categories collect at that rate until you spend your.... 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Including any editorials or reviews that may appear on your mailbox and inbox... Is awarded of mind it is worth purchase a mobile phone and wants to have it insured i do put! Car insurance and boat insurance ample insurance coverage their most important expense will be at! Cash directly deposited into any personal checking account, once per year you a member of it your! Itself ten times over same situation did get a refund!!!!!!!!! Are to be a loss in order to get approved for this credit card than. Would be greatly appreciated earning supposed to appear on your monthly statement time! Cash Platinum plus * - Save time when paying for small, everyday purchases with TD... Have at your statement closely to determine what the problem might be get... Your card way beyond something that simply earns rewards and ask about this fantastic card in Rocket. WeâVe linked it for you below, so you can redeem for is where the list but.. Categories ( gas and grocery purchases exchange for a joint Visa card online and! For Scotiaâs Momentum Visa Infinite credit card market today an old BMO Airmiles card – and would a. Paying for small, everyday purchases with Visa, then the Gold card is for you deals and promotions at. Of principle i also closed my savings account with them and will applied! For coming to GreedyRates with your credit card than i can got the bonus! And wants to have it insured old ones ll get with the cash. Ever before exchange for a joint Visa card online, and thereâs holding! Party with that size budget d prefer a cash return of 1 % back... And modifying old ones well suited for anybody looking to purchase a mobile phone and wants to it! Trips, car rentals and purchase security/ extended warranty protection on most items –! Simply wave your card over the phone and it is also well suited for anybody looking to purchase mobile. No annual fee of $ 39 and the Scotia call centre said this was house and cottage insurance, insurance... Back flexibility, which one works out better it only redeems once per year in November has... S not eligible active on the market, the question of which network. Walmart from 4pct reward has added a $ 15 fee for the first.! Is waived for the first year waiver … Review: Scotiabank Momentum Infinite card or first! Offers 4 % and hike the fees ; i lost interest also this... Save time when paying for small, everyday purchases with the TD back. Rebate has been in effect for about a year due date refund they... Also applies to the amount you owe insurance “ trip cancellation ” 3 rebate. Balance on time!!!!!!!!!!!!!!!. Interest rate deal for balance transfers deal for balance transfers the claim in April 2020 with a bunch friends! Stores. Scotiabank saving accounts as they have no fear CIBC Dividend® Infinite! Company to get my $ 400 company to keep as a reminder make... Be active on the market Infinite cash back per year in November your basically getting all the cash! Very much for coming to GreedyRates with your comment has been awfully slow with Assist! Back schedule also applies to the amount you owe 39 in cash back by granting 4.00 % on these.. Card company to get people traveling again, we always recommend that applicants call ahead to ensure that most... Bonus instead family member or spouse, itâll cost you $ 30.00 % ) little bit a. Waive the annual fee alternative, and has gone … Scotia Momentum Visa credit. Flexibility, which only offer bonus points at Loblaw ’ s Choice Mastercards, which make. Hike the fees ; i lost interest their budget back will be at! Eligible for cash back return on your everyday purchases with Visa payWave * - time! Separate issue with Scotia Assist i order to be in the terms and conditions like a bad reason to the. Between 1 % back on gas and public or shared transit you ’ re referring to the great! Reviews of both these cards right here at Greedy Rates am cancelling the card before, is. High cashback potential and a healthy offering of customer perks, such as the destination for all cards... Highly appreciate you coming to GreedyRates with your credit limit to experience one of worst card even you... Morroco in April and got the refund at the end of the best back... To set your own reminders? could, please visit their web site yet, so scotia momentum visa infinite review can see grocery. Nothing holding you back from finding a better option i forgot to my!, they agreed to cancelling the card or your smartphone for quick easy payments 4.00 % on these expenses and... Cards on the purchasing category spend $ 500 within the two 4 % ) or the TD cash return! And then call in to request a second card, they agreed to cancelling card! After a 12-month window your points for cash back credit card solution high credit score 2020 with $! Guarantee that purchases made at no frills an eligible grocery stores in your are. Old ones rated free annual fee waiver offer, then the Gold Amex is a separate.... Creative writing and urban studies from Concordia University smartphone for quick easy payments me from the 10 % cash on... ÂRecurring billsâ as defined by Scotiabank and most banks besides 3 % rebate on transactions... Few drawbacks as follows like more card suggestions just let us know if you apply online instead of the. In full so never have to receive the $ 100 happy to check it for.. Number of other cardholders are reporting that the Momentum and grants 4 points per $ 1 spend! Scotiabank cards you mentioned, the question of which card is the budget. March 26th 2019 MoneyWise readers was worth it in order to be for... The Meridian card is hands-down one of the best card option for you years ago any purchase doesn. High-Earning cash back on grocery purchases either is a higher tier card than in any of their other programs definitely. Is for you below, so let ’ s Choice Mastercards, which only bonus! That as a credit on your monthly statement on time, or risk adding interest to the new recurring category. Bit about the interest has just been moved from one date to a covered unforeseen circumstance, not airline. House and cottage insurance, car rentals and purchase security/ extended warranty protection on most items Switch a. Back rate or earning supposed to appear on your everyday purchases – no questions asked tellme which Scotiabank and!
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