Best cash back card Scotia Momentum Visa Infinite


  • Annual fee: $120—rebated for the first year
  • Welcome bonus: 10% cash back on your purchases (up to $2,000) for the first 3 months
  • Earn rate: 4% cash back on groceries and recurring bills; 2% on gas and daily transit; 1% on everything else
  • Income requirement: $60,000
  • Additional benefits: Mobile device insurance; travel insurance; concierge service; Visa Infinite Dining and Wine Country program

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