Receive 4% cash back on eligible purchases at gas stations and grocery store purchases, 2% cash back on eligible drug stores purchases and recurring bill payments and 1% cash back on all other eligible purchases. The Scotiabank Momentum VISA card has an annual fee of $99 and includes a variety of premium Infinite benefits such as rental car discounts, Visa Infinite Concierge Service, access to Visa Infinite Luxury Hotel Collection, Visa Infinite Dining Series as well as purchase protection and extended warranty. Balance protection can also be added for an additional fee.