Scotia Momentum VISA Card

Annual Fee $39 Additional Cards Fee $15 Annual interest rate 19.99% Cash Advances 22.99% General Cash Back Percentage 1% Gas Cash Back Reward 2% Groceries Cash Back Reward 2% Recurring Bills Cash Back Reward 2% Pharmacy Cash Back Reward 2%	Vehicle Rental Insurance no Extended Warranty (1 Year) yes Purchase Protection (90 days) yes

•  2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)
•  Cash back with low annual fee
•  2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
•  1% cash back on all other eligible everyday purchases

• Those who want to earn cash back on everyday purchases
• Those who are avid travelers and would like to use their credit card worldwide

This card is among the best for the amount of cash back you can get. You earn cash back on practically anything you buy – 2% cash back on groceries, gas, drug store purchases and recurring payments, and 1% cash back on all other purchases. Not only is this card accepted worldwide, but using this card is made easier with its “contactless” way to pay – you just wave and go.  

Should you need to transfer a balance, this card has you covered - 2.99% introductory interest rate on cash advances, balance transfers and Scotia Credit Card cheques for the first six months.