 Hello everyone, this is financial author Ahmed Dunn of Vedan Journal. Today, I'll review the Scotia Momentum Visa Infinite Card. The Scotia Momentum Visa Infinite Card is a cashback of yours credit card that lets you earn cash yours for everyday purchases which can be credited to your account balance at the end of the each 12 month period once a year in November. The cost annual fee is $99 each additional course cost $30 Minimum annual income required is $60,000 personal or $100,000 household income reverse points snapshot Earn four points at eligible gas stations and grocery stores in Canada Earn two points on eligible drug stores and recurring bill payments and everything else 1% or one point First-time bonus from time to time Scotia runs a promotional $100 bonus also the annual fees web for the first year anniversary bonus none Features and benefits Let's talk about features and benefits Because this is a Visa Infinite card it provides Visa Infinite benefits including concierge services emergency medical insurance travel accident insurance auto rental theft and collision loss damage insurance trip interruption insurance flight delay insurance lost and delayed luggage insurance purchase security insurance extended warranty insurance What's missing this section is actually appropriate for travel rear-spread curves Which you'll find in all my reviews However, because this is a Scotia momentum Visa Infinite is not a travel rear-spread curve. I'll just skip what's missing My take It is also almost impossible to beat the high cash back return The Scotia momentum Visa Infinite card provides These days investors are having hard time generating 4% return from investments So a credit card that provides for 4% yours on gas and groceries is a big deal however If your grocery spending is not that high But spending on other category which provides 1% return for this card is high This card won't make sense and you should probably look back for another card Although Scotia momentum Visa Infinite is not a travel rear-spread curve it offers many travel insurances and provides the option to add trip cancellation insurance Which is a good thing But don't forget that travel spending will attract a low 1% return The $99 annual fee is very reasonable Although Scotia Bank could have charged $120 annual fee Which is a standard for Visa Infinite credit cards? The only thing I can complain about the cash back rears is That the cash back rears are awarded Only once a year I have seen other credit cards that have done a better job at this for example some award cashback cards Gives you the option To get the award every month or whenever you reach a certain amount But for Scotia momentum Visa Infinite you have to wait the whole year to get your award That's all for today. Thank you