Best Cashback Credit Card for Bills and Groceries? Scotia Momentum Visa Infinite Review
Best Cashback Credit Card for Bills and Groceries? Scotia Momentum Visa Infinite Review
If you want simple cash back instead of points, the Scotia Momentum Visa Infinite Card deserves a close look. Its strongest categories target two expensive parts of many Canadian budgets: groceries and recurring bills.
Scotiabank lists 4% cash back on eligible groceries and recurring bill payments, 2% on gas, electric vehicle charging, daily transit, rideshare, and food delivery, and 1% on other eligible purchases. That structure can work well for families, commuters, renters, homeowners, and subscription-heavy households.
Before applying, check the current Scotia Momentum Visa Infinite Card offers on Canada Cashback Monitor.
The main appeal: 4% cash back on groceries and recurring bills
The card's key feature is 4% cash back on eligible grocery purchases and recurring bill payments, up to the card's annual accelerated-category spending limit.
Groceries are easy to understand. If the merchant is coded as an eligible grocery store, the card can be a strong earner.
Recurring bill payments are where this card can become especially useful. Scotiabank describes recurring payments as bills and subscriptions. Depending on how the merchant processes the charge, examples may include telecommunications, insurance, memberships, and subscription-based purchases.
Because merchant coding matters, you should not assume every bill will qualify. But if many of your monthly payments do qualify, the 4% category can add up quickly.
The 2% categories are practical too
Scotiabank lists 2% cash back for gas, electric vehicle charging, daily transit, buses, taxis, rideshare, and food delivery.
That makes the card more useful as an everyday wallet card. It is not just a grocery card; it can also cover commuting, occasional Uber or rideshare use, and food delivery.
For many households, groceries plus recurring bills plus transportation can represent a large share of monthly spending.
Why cash back can beat points for some people
Points programs can be valuable, but they require more attention. You have to understand redemption value, transfer partners, travel portals, and point expiry or program rules.
Cash back is simpler. If you want your rewards to feel like a rebate instead of a travel strategy, the Scotia Momentum Visa Infinite Card may be easier to use than a points card.
That simplicity is the main reason this card belongs in a high-rate credit-card shortlist.
Who should consider this card?
The card may be a good fit if:
- You spend meaningfully on groceries every month.
- You have recurring bills or subscriptions that can be charged to a credit card.
- You prefer cash back over travel points.
- You want a Visa card with broader acceptance than American Express.
- You can justify the annual fee based on your spending and current offers.
It may be less attractive if your grocery spending is low, your bills cannot be paid by credit card, or you prefer travel rewards over cash back.
Compare the application offers first
Credit-card rewards are not only about category earn rates. Signup and application-channel offers can change the first-year value.
Before applying, check the current Canada Cashback Monitor page:
Scotia Momentum Visa Infinite Card cashback and signup offers
At the time this article was drafted, the CCM page compared offers across multiple reward sites, including FrugalFlyer, Great Canadian Rebates, creditcardGenius, and FinlyWealth. The best listed offer can change, so verify the page before applying.
How it compares with high-earning points cards
If you want maximum food-category rewards, also compare the card against:
Those cards can be strong for groceries, dining, and food delivery, but they earn points and use the American Express network. Scotia Momentum Visa Infinite earns cash back and runs on Visa, which may be easier for some households.
Bottom line
The Scotia Momentum Visa Infinite Card is a strong Canadian cash-back card for people who spend heavily on groceries and recurring bills. Its 4% grocery and recurring-payment categories are the headline, while 2% on transportation and food delivery makes it more useful day to day.
If you want simple rewards and your spending fits the categories, check the current Scotia Momentum Visa Infinite Card offer page on Canada Cashback Monitor before applying.
Sources checked
- Scotia Momentum Visa Infinite official card page: https://www.scotiabank.com/ca/en/personal/credit-cards/visa/momentum-infinite-card.html
- Canada Cashback Monitor Scotia Momentum Visa Infinite offer page: https://www.canadacashbackmonitor.com/credit-cards/scotia-momentum-visa-infinite-card
Cash-back rates, annual fees, welcome offers, eligibility rules, and merchant category coding can change. Confirm current issuer terms and current Canada Cashback Monitor offers before applying.