Scotia Momentum for Business VISA Credit Card

Welcome Bonus

2.99% introductory interest rate

2.99% introductory interest rate on balance transfers for the first 6 months

Annual Fee


Annual Rewards


$24,000 annual spending x 1.65% return on spending = $396 annual rewards

Rewards on Approval


Purchase Rates


Cash Advance Rates


Balance Transfer Rates


Table of Contents

As a small business owner, you always look for ways to save time and money. The Scotia Momentum for Business VISA Credit Card is designed specifically for small businesses. It offers cash back, and exclusive savings on everyday purchases – perfect for those starting out or established. Let’s take a look at the key features of this credit card.


  • Introductory interest rate on balance transfers
  • Up to 3% cash back
  • 25-day interest-free grace period
  • Travel Emergency Medical Insurance
  • Rental Car Collision/Loss Damage Insurance
  • Visa SavingsEdge


  • High Interest Rate
  • High Annual Fee
  • For Business Only
  • No Rewards Program

Details & Eligibility

  • 680 - 800
  • N/A
  • N/A
  • $79
  • $29
  • Visa
  • Yes
  • 19.99%
  • 22.99%
  • 22.99%
  • N/A
  • 2.99%
  • N/A

Cashback Program

The Scotia Momentum for Business VISA Credit Card has a unique cashback program that allows you to earn cash back on your everyday purchases when using the card. Earn 3% cash back on eligible gas station, restaurant and office supply store purchases, recurring bill payments, and 1% cash back on all other purchases. This cashback program is one of the most generous available in Canada today and is ideal for small business owners who frequently make purchases related to their business.

Exclusive Savings

In addition to the rewards program, exclusive savings are available through the Scotia Momentum for Business VISA Credit Card. This includes discounts at select participating stores. These savings can add up quickly over time and provide valuable savings that help you manage your business budget better.


The Scotia Momentum for Business VISA Credit Card is an excellent choice for small business owners who want a reliable credit card with great cashback and exclusive savings options. Its generous cashback program and exclusive savings opportunities can help you save time and money while managing your business expenses more efficiently. If you’re looking for a credit card to help your small business flourish, consider this one!

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