Scotia Momentum® Visa* card Annual Fee $39 Supplementary Cards: $0 Annual interest rate 19.99% on purchases and 22.99% on cash advances, balance transfers and Scotia Credit Card Cheques • Get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).Offer ends Jan 3, 2023 • Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments. • Earn 1% cash back on all other eligible purchases.