credit-card
Scotia Momentum Visa Infinite · 4 % cash back
4% back All brands
How to use it
Annual fee $120. Category cap $25,000 / year.
This benefit can be factored into the best scenario if the brand and program conditions match.
💸 Net return after annual fee
The advertised gross return (4%, 3%, etc.) does not include the annual fee. Here is the effective return at different mileages.
| Profile | Gross savings | Annual fee | Net | Effective rate |
|---|---|---|---|---|
| Light (8,000 km / 1,200 L) | $93 | −$120 | −$27 | -1.18% |
| Average (15,000 km / 1,750 L) | $135 | −$120 | $15 | 0.45% |
| High (25,000 km / 2,800 L) | $216 | −$120 | $96 | 1.78% |
🎯 Break-even point : $3000 gas spend per year (below that, the card costs more than it earns.)
⚠️ Annual cap: 25,000 $ in fuel spend (beyond that, 0% return).
Terms verified on 2026-05-23
Programs can change their terms. To compare all cards, return to the card matrix.