In this review, I break down the Scotiabank Momentum Visa Card as a “workhorse” cash back card for people who spend most of their monthly budget on the essentials. The big draw is the tiered earn structure: 2% cash back on groceries, gas, and drugstore purchases—and the standout category—2% on recurring bill payments like gym memberships, insurance, and streaming services. Everything else earns 1%, which is fine, but definitely not exciting if most of your spending doesn’t fit the bonus buckets. I also cover the fine print that actually decides whether this card is worth it. There’s a $49 annual fee (some older applicants may have $39), a $15 supplementary card fee, and a $20,000 annual cap across the 2% categories before those purchases drop to 1%. On the perks side, you get purchase security (90 days) and extended warranty (up to one extra year), plus up to 25% off base rates at participating Avis and Budget locations. My bottom line: if you’re disciplined and you pay in full, this is a simple way to claw back living costs—if you carry a balance, the interest (and especially the penalty rates) can wipe out your cash back fast.