Which card is better for groceries, Cash Back Visa or Scotia Momentum No-Fee Visa?

The Cash Back Visa earns 1.5% on groceries, while the Scotia Momentum No-Fee Visa earns 1%. The better choice depends on your grocery spending and the specific merchants you shop at.

Cash Back Visa vs Scotia Momentum No-Fee Visa — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

Cash Back Visa wins by $236/yr — strongest in dining & restaurants

Cash Back Visa earns $116 more on dining & restaurants
Cash Back Visa earns $64 more on groceries

Dining & Restaurants: +$116Groceries: +$64Bills & Utilities: +$24

Cash Back Visa: $30/yr in foreign transaction fees

Scotia Momentum No-Fee Visa: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$491

/first year

1.2% effective$41/mo

vs 1% no-fee card: +$72

Annual rewards earned+$501

Welcome bonus+$20

FX costs−$30

Annual fee−$0

$254

/first year

0.6% effective$21/mo

vs 1% no-fee card: −$164

Annual rewards earned+$279

Welcome bonus+$5

FX costs−$30

Annual fee−$0

Best for your spendingCash Back Visa—$491Year 1 value

+$236 more than Scotia Momentum No-Fee Visa

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The Bottom Line

Cash Back Visa wins by $236/yr — strongest in dining & restaurants

Cash Back Visa earns $116 more on dining & restaurants
Cash Back Visa earns $64 more on groceries

Dining & Restaurants: +$116Groceries: +$64Bills & Utilities: +$24

Showing Year 1 analysis

Cash Back Visa wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Mar 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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Cash Back Visa

Scotia Momentum No-Fee Visa

Cash Back Visa wins by $236/yr — strongest in dining & restaurants

Dollar Value

Show calculation breakdown

Show calculation breakdown

Earn Rates by Category

Merchant Reality Check

Wallet Optimizer

Welcome Bonus

Fees & Foreign Exchange

Insurance & Benefits

Eligibility

The Bottom Line

Data Sources

Cash Back Visa

Scotia Momentum No-Fee Visa

Cash Back Visa wins by $236/yr — strongest in dining & restaurants

Dollar Value

Show calculation breakdown

Show calculation breakdown

Earn Rates by Category

Merchant Reality Check

Wallet Optimizer

Welcome Bonus

Fees & Foreign Exchange

Insurance & Benefits

Eligibility

The Bottom Line

Data Sources