Scotiabank
返现卡
Visa
Scotia Momentum Visa Infinite + Card
丰业 Momentum Visa 无限卡 · 买菜加油返现利器
4%
买菜
$120年费
见原文
开卡促销
返现倍率
🛒 买菜📄 账单订阅4%
每年前 $25,000 消费适用,超出后按基础倍率计
⛽ 加油🚌 交通2%
每年前 $25,000 消费适用,超出后按基础倍率计
其他所有消费1%
利率与费用
购物年利率20.99%
取现年利率22.99%
附属卡年费$50
全额还款不产生利息;利率以银行官网与账单为准
保险与权益
旅行医疗保险Up to $1 million CAD, travelers under 65, up to 15 consecutive days
旅行取消险Up to $1,500 per person for trip cancellation, $2,000 for trip interruption, max $10,000 per trip; charge at least 75% of costs
旅行中断险Up to $1,500 per person for trip cancellation, $2,000 for trip interruption, max $10,000 per trip; charge at least 75% of costs
航班延误险Up to $500 per insured person if flight delayed; charge at least 75% of ticket
行李险Up to $500 for delayed or lost checked luggage; charge full cost of travel ticket
租车险Coverage for damage or theft if rental charged to card, rented in your name, and declined collision damage waiver
手机保险Up to $1,000 CAD for loss, theft, or accidental damage of smartphone or tablet
购物保障Most new purchases protected against theft, loss, or damage for 90 days from purchase date
延长保修Extended warranty doubles original manufacturer's warranty for up to one year
其他权益Travel accident insurance up to $500,000 per person, $1,000,000 per trip; charge at least 75% of trip
保险的具体条款与免责以银行的保险证明文件为准
💡 SaveVia 解读
这张卡适合日常消费集中在超市、加油和自动扣款的华人家庭。买菜和自动扣款有 4% 返现,加油和公交有 2%,其他消费 1%,但每年前 $25000 的消费才能享受这些高倍率,超出后所有消费都降为 1%。年费 $120,首年免年费,如果每年买菜加油花销大,轻松回本。注意返现是按年计算的,不是按月,别搞混了。
常被拿来比较
丰业 Momentum Visa 卡
Scotia Momentum Visa Card · 年费 $49
2%
最高返现
丰业 Momentum 学生 Visa 卡
Scotia Momentum Visa Card (for students) · 年费 $49
2%
最高返现
数据核对于 2026-08-18 · 一切以银行官网为准