Scotia Momentum® No-Fee Visa* card Annual Fee $0 Supplementary Cards: $0 Annual interest rate 19.99% on purchases and 22.99% on cash advances, balance transfers and Scotia Credit Card Cheques • Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).1 • Cash back on everyday spending with no annual fee • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments • 0.5% cash back on all other eligible everyday purchases