Recurring bill payment 没有提及哪些是符合资格的商家，只要此商家offer recurring bill payments好像就可以，研究当中。现在有推广活动,前三个月内可以１０％返点 up to $2000 第一年免年费，还是不错的。

didiao(didiao)

You will earn 4% Cash Back on the first $25,000 you spend annuallyon purchases on the Account at merchants classified in the Visa Inc.(Visa) network as Grocery Stores & Supermarkets (Merchant Code 5411)and Recurring Bill Payments. Recurring Bill Payments are defined aspayments made on a monthly or regular basis automatically billedby the merchant to your Scotia Momentum® Visa Infinite* Card. Notall merchants offer recurring bill payments. (Please check with yourmerchant to see if they offer recurring bill payments on Visa cards.)

(#15099652@0)
Last Updated: 2023-1-11
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银行就是这么骗人的。BMO 尤其过分。Scotiabank momentum infinite 更好 -newcomer78(改个ID真难); 2023-1-9 (#15094260@0)

Scotia的需要免费，试试Simplii Fanance的 -zbeifly(苇子坑); 2023-1-11 (#15098869@0)
scotia的猫腻是每年固定时间cash back，一般是11、12月。若你10月份申请，基本要过一整年才能见到cash back -akoei(停车**枫林晚); 2023-1-11 (#15099354@0)

是按每张卡算的还是按户头？若只按卡算，再开张副卡刷呗，每张刷500.... -see1see(Isee); 2023-1-9 (#15094280@0)

BMO开副卡要另外收费。 -andersonwang(流浪者); 2023-1-9 (#15094297@0)

没意思，不如Scotiabank Momentum Visa Infinite，年费差不多。菜店返4%，没有每月限额，全年限$25000。 -dongji(冬季阳光); 2023-1-10 (#15095055@0)

CIBC dividend cash back credit card 一直都是４％返点如果是grocery and gas -didiao(didiao); 2023-1-10 (#15095376@0)

关键Scotia这张recurring bill也是4%，手机/电视/电话加房险车险，年费$120早就赚回来了。 -dongji(冬季阳光); 2023-1-11 (#15098043@0)

手机/电视/电话加房险车险都是４％　only for recurring bill？那还真不错 -didiao(didiao); 2023-1-11 (#15098611@0)

是的，recurring bill only，不过一年扣一次的车房险也算。 -dongji(冬季阳光); 2023-1-11 (#15098807@0)

Scotia Momentum® Visa Infinite* Card -didiao(didiao); 2023-1-11 {242} (#15098950@0)

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1 No annual fee in the first year, including on additional cards.1

Annual fee: $120
Interest rates: 20.99% purchases / 22.99% cash advances

别忘了通过greatcanadianrebates.ca申请还有另外$50。 -dongji(冬季阳光); 2023-1-11 (#15098977@0)

谢谢啦，没看到全年限$25000 -didiao(didiao); 2023-1-11 (#15098980@0)

这种东西当然是隐藏在页面最下面最小的legal文字里了。(You will earn 4% Cash Back on the first $25,000 you spend annually on purchases) -dongji(冬季阳光); 2023-1-11 {466} (#15098986@0)

Earn more cash back and rewards with the Scotia Momentum Visa Infinite Card. Get the annual fee waived for the first year. Apply today.

Full Story:
https://www.scotiabank.com/ca/en/personal/credit-cards/visa/momentum-infinite-card.html

厉害 -didiao(didiao); 2023-1-11 (#15099099@0)

说是all purchase 其实是 all eligible purchase. 差远了 -bioairsea(一叶浮萍); 2023-2-26 (#15228382@0)

你确定算吗？哪家保险公司？ -akoei(停车**枫林晚); 2023-1-11 (#15099363@0)

The personal我都交了好几年了，其它保险公司不确定。 -dongji(冬季阳光); 2023-1-11 (#15099544@0)
Recurring bill payment 没有提及哪些是符合资格的商家，只要此商家offer recurring bill payments好像就可以，研究当中。现在有推广活动,前三个月内可以１０％返点 up to $2000 第一年免年费，还是不错的。 -didiao(didiao); 2023-1-11 {535} (#15099652@0)
You will earn 4% Cash Back on the first $25,000 you spend annuallyon purchases on the Account at merchants classified in the Visa Inc.(Visa) network as Grocery Stores & Supermarkets (Merchant Code 5411)and Recurring Bill Payments. Recurring Bill Payments are defined aspayments made on a monthly or regular basis automatically billedby the merchant to your Scotia Momentum® Visa Infinite* Card. Notall merchants offer recurring bill payments. (Please check with yourmerchant to see if they offer recurring bill payments on Visa cards.)

是否算recurring要看商家的代码，就算是定期扣款的有些商家也不算。友情提醒：如果可以的话头3个月尽量刷返点低的，留着4%和2%返现的3个月以后再刷以达到最大回报。 -dongji(冬季阳光); 2023-1-11 (#15099728@0)

这个副卡是要收钱，对吗? -moonhalf(石室矢); 2023-2-17 (#15201403@0)

副卡收费，不过可以绑定在家人手机的apple pay或google pay里，平时用用也够了。 -dongji(冬季阳光); 2023-2-17 (#15201811@0)

这主意不错，谢谢！ -moonhalf(石室矢); 2023-2-17 (#15203178@0)

好像自己理解错误了 -canada808(canada808); 2023-1-10 (#15095416@0)

是返回来的上限是500吧…… -guestagain(guest again); 2023-1-10 (#15095463@0) +1

消费额度 -newcomer78(改个ID真难); 2023-1-10 (#15095536@0)

哦，没看到具体条款不清楚，我见过的都是返现的上限，不是消费的上限…… -guestagain(guest again); 2023-1-10 (#15095559@0)

你没有理解错，是每月头$500消费才有返现。不过你这张卡是免年费的，自然就没那么好。你如果每月$1200左右买菜一年就是$14400，年费卡4%可以返到$576。你用BMO免年费的只能返($500*12)*3%=$180。 -dongji(冬季阳光); 2023-1-11 {77} (#15098823@0)

或者就用BMO自已的BMO CashBack® World Elite®* Mastercard®买菜返5%年费$120。

确实如此，打了电话问了 -canada808(canada808); 2023-1-11 (#15098924@0)

唔，那确实恶心…… 500太少了…… -guestagain(guest again); 2023-1-11 (#15098943@0)

不过我主要在costco 购物，华人超市算杂货店但我去的少。所以每月500 返5%也够了 -canada808(canada808); 2023-2-16 (#15201170@0)

Costco应该用免年费的Rogers WEMC，返1.5%。你华人超市每月只返$25，一年才300还要交$120年费？ -dongji(冬季阳光); 2023-2-16 (#15201251@0)

支票账户满6000 免了年费，Rogers WEMC 这卡如果每年没满25000 会降级，没意思，不太自由 -canada808(canada808); 2023-2-16 (#15201344@0)

是15000，而且从来没enforcement 过 -newcomer78(改个ID真难); 2023-2-16 (#15201391@0)
现在利息这么高，随便存存都4.5%，一年利息损失$270。我本来也是Scotia存$5000免信用卡$120，后来想想没意思宁愿交年费了。Roger号称消费要满$15000，不过我几年没满也没降级。 -dongji(冬季阳光); 2023-2-17 (#15201815@0)

我还在犹豫要不要办scotia 银行卡存5000，现在新开户送$350.你说的有道理，把钱卡死在那里没意思 -canada808(canada808); 2023-2-17 (#15203288@0)

办哪！新开户的$350要的，拿到奖励后降级成免月费的saving再转出钱就好了。注意一下条款有没有规定账户类型多久不能动。 -dongji(冬季阳光); 2023-2-17 (#15203311@0)

RBC 悄悄把我一个免月费的saving关闭销户了，没告诉我，我关了所有RBC账户 -canada808(canada808); 2023-2-17 (#15203369@0)

350/5000=7%,这个比gic 高 -newcomer78(改个ID真难); 2023-2-17 (#15203318@0)
其实你如果没有自动扣款的需要的话，办MBNA rewards world elite更好，一样年费$120，买菜吃饭返5%，每个类别限额$50000，非常实在。我另一个帖子里有讨论。 -dongji(冬季阳光); 2023-2-17 (#15203320@0)

我看中scotia 这个momentum visa 信用卡是付保险账单4% 返现，其它信用卡都没有这个，每年车险房屋保险3000+ -canada808(canada808); 2023-2-17 (#15203360@0)

有年费的卡也是头500块才4% 哈哈 -getaway(不用昵称); 2023-2-16 (#15201322@0)

他家电话客服还让人等一两个小时吗？ -jtax(吾土吾民); 2023-1-10 (#15095570@0)

有中文客服选项。等得很短。 -rainclear(雨澄); 2023-1-10 (#15095993@0)

轮胎店那张卡买菜返3%，也是有额度的，我偶然发现去年最后几个月买菜返点不到3%了才发现。 -blueskygg(Grass); 2023-2-17 (#15202599@0)

@Atlanta

Recurring bill payment 没有提及哪些是符合资格的商家，只要此商家offer recurring bill payments好像就可以，研究当中。现在有推广活动,前三个月内可以１０％返点 up to $2000 第一年免年费，还是不错的。

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