Which has the lower annual fee, Scotia Momentum Visa Infinite or TD Cash Back Visa Infinite Card?

The Scotia Momentum Visa Infinite has a $120 annual fee, while the TD Cash Back Visa Infinite Card charges $139/year.

Which card is better for groceries, Scotia Momentum Visa Infinite or TD Cash Back Visa Infinite Card?

The Scotia Momentum Visa Infinite earns 4% on groceries, while the TD Cash Back Visa Infinite Card earns 3%. The better choice depends on your grocery spending and the specific merchants you shop at.

Scotia Momentum Visa Infinite vs TD Cash Back Visa Infinite Card — Which Is Better? | Churnr

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

TD Cash Back Visa Infinite Card wins by $260/yr — strongest in groceries

Scotia Momentum Visa Infinite earns $128 more on groceries
Scotia Momentum Visa Infinite earns $48 more on bills & utilities
$340 welcome bonus advantage

Groceries: +$128Bills & Utilities: +$48Gas: +$36

Scotia Momentum Visa Infinite: $30/yr in foreign transaction fees

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

Showing Year 1 analysis

Dollar Value

$902

/first year

2.2% effective$75/mo

vs 1% no-fee card: +$483

Annual rewards earned+$922

Welcome bonus+$10

First-year fee waiver+$120

FX costs−$30

Annual fee−$120

Winner

$1,162

/first year

2.8% effective$97/mo

vs 1% no-fee card: +$744

Annual rewards earned+$842

Welcome bonus+$350

First-year fee waiver+$139

FX costs−$30

Annual fee−$139

Best for your spendingTD Cash Back Visa Infinite Card—$1,162Year 1 value

+$260 more than Scotia Momentum Visa Infinite

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

TD Cash Back Visa Infinite Card wins by $260/yr — strongest in groceries

Scotia Momentum Visa Infinite earns $128 more on groceries
Scotia Momentum Visa Infinite earns $48 more on bills & utilities
$340 welcome bonus advantage

Groceries: +$128Bills & Utilities: +$48Gas: +$36

Showing Year 1 analysis

Year-over-Year

Year 1

TD Cash Back Visa Infinite Card

by $260 — welcome bonus advantage

Year 2+

Scotia Momentum Visa Infinite

by $99 — ongoing earn advantage

TD Cash Back Visa Infinite Card wins Year 1 thanks to a better welcome bonus, but Scotia Momentum Visa Infinite earns more ongoing. Consider how long you plan to hold the card.

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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