Get rewarded for every dollar you spend with the Scotia Momentum™ VISA. Plus, enjoy a very low introductory interest rate on both cash advances and balance transfers. All eligible purchases will earn at least 1% cash back. Your everyday purchases, such as those at gas stations, grocery stores, and drug stores will earn a higher percentage of cash back. Recurring payments, such as subscriptions and memberships, also receive a higher cash back percentage. The Scotia Momentum™ VISA gives you an interest-free grace period on all purchases of at least 21 days. When you need to rent a car, your credit card will provide you with a discount of up to 20% at participating AVIS car rental locations worldwide. Once you select a personal identification number (PIN) you get instant cash advances, which can be obtained at more than 1 million ABMs around the world. You can also use Scotia® VISA Cheques to pay for a large purchase, insurance premiums, utility bills, medical bills, or to transfer balances from gas and retail cards with higher interest rates. The card’s Visa payWave technology cuts time by letting you just wave your card over the card reader without swiping for small purchases.