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