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Scotia Momentum® Visa* Card
3.1
American Express® Aeroplan®* Card
3.4
Finly Rebate
Finly Rebate
N/A
Rewards Breakdown
Annual Rewards
$315.05
First Year Bonus
$0
Annual Fee
$39
First Year Value
$276.05
Based on $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$517
Air Canada Aeroplan®
First Year Bonus
$630
Air Canada Aeroplan®
Annual Fee
$120
First Year Value
$1,027
$397 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included*
Extended Warranty
Purchase Protection
Insurance Included*
Extended Warranty
Purchase Protection
Baggage Delay
Car Rental Damage & Theft
Travel Accident
Hotel Burglary Insurance
Flight Delay
Extra Benefits*
Car Rental Discount
Extra Benefits*
Status lift
Free first checked bag
Extra points
Free Extra Night at Hotels
Amex Experiences™
Interest Rates*
Purchase:
19.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates*
Purchase:
30% Annual2
Cash Advance:
30% Annual2
Annual Fee*
$39
Annual Fee*
$120
Income Required*
Min Personal Income:
$12,000
Min Household Income:
N/A
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Welcome Bonus*
Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)
Welcome Bonus*
Earn 30,000 Aeroplan® points after spending $3,000 in purchases on your Card within the first 3 months. Plus, earn an additional 10,000 Aeroplan® points when you spend $1,000 in purchases in month 13.
Rewards Rate*
Rewards Rate*
Loyalty Program*
N/A
Loyalty Program*
Point Redemption Options*
Not Applicable
Point Redemption Options*
Most Optimal
Aeroplan® Flights
Car Rentals
Travel
Merchandise
Gift Cards
Is this card worth it?
The Scotiabank Momentum Visa is a low annual fee cash back card that offers impressive earn rates on a variety of everyday spending categories, making it an excellent choice for those who want to maximize rewards without the higher cost of its Visa Infinite counterpart.
Is this card worth it?
This card comes with the free checked bag benefit, which can save hundreds on a single trip for you and your family, more than making up for the annual fee of the card. In addition, the card helps you reach the next Aeroplan Status faster with spending on the card. However, if you don't have a specific use for these two benefits, there are many better cards in terms of benefits and rewards.
Pros
Pros
Cons
Cons
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vs Rogers Red World Elite® Mastercard®
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vs SimplyCash™ Preferred Card from American Express
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