Which card is better for groceries, Scotia Momentum Mastercard or Tangerine Money-Back World Mastercard?

The Scotia Momentum Mastercard earns 1% on groceries, while the Tangerine Money-Back World Mastercard earns 0.5%. The better choice depends on your grocery spending and the specific merchants you shop at.

Scotia Momentum Mastercard vs Tangerine Money-Back World Mastercard — Which Is Better? | Churnr

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

Too close to call — $14 difference per year

Scotia Momentum Mastercard wins groceries (+$64), bills & utilities (+$24)

Groceries: +$64Bills & Utilities: +$24Gas: +$18

Scotia Momentum Mastercard: $30/yr in foreign transaction fees

Tangerine Money-Back World Mastercard: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

$249

/first year

0.6% effective$21/mo

vs 1% no-fee card: −$169

Annual rewards earned+$279

FX costs−$30

Annual fee−$0

$263

/first year

0.6% effective$22/mo

vs 1% no-fee card: −$155

Annual rewards earned+$173

Welcome bonus+$120

FX costs−$30

Annual fee−$0

Too close to call — choose based on network acceptance or benefits.

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

Too close to call — $14 difference per year

Scotia Momentum Mastercard wins groceries (+$64), bills & utilities (+$24)

Groceries: +$64Bills & Utilities: +$24Gas: +$18

Choose based on:

Network preference — Visa/MC acceptance at your regular merchants
Existing loyalty program alignment
Welcome bonus timing and eligibility
Benefits you value — lounge access, insurance, purchase protection

Showing Year 1 analysis

Year-over-Year

Year 1

Too close to call

Year 2+

Scotia Momentum Mastercard

by $106 — ongoing earn advantage

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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