CIBC Dividend Visa Infinite vs Scotiabank Momentum Visa Infinite
Both cards valued on the same spending, after fees. Year 1 against every year after shows which one keeps its value once the welcome bonus is gone.
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On a family's spending: Year 1 goes to Scotiabank Momentum Visa Infinite, every year after to CIBC Dividend Visa Infinite, and 3 years to Scotiabank Momentum Visa Infinite. Compare them on your own spending
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
3-year value on each preset
after fees, points at their cash value. "~" marks estimates.
| Spending | CIBC Dividend Visa Infinite | Scotiabank Momentum Visa Infinite | Ahead |
|---|---|---|---|
| Student | $784 | $892 | Scotiabank Momentum Visa Infinite |
| Couple | $1,956 | $2,060 | Scotiabank Momentum Visa Infinite |
| Family | $2,620 | $2,713 | Scotiabank Momentum Visa Infinite |
| Frequent traveller | $2,451 | $2,472 | Scotiabank Momentum Visa Infinite |
| Big spender | $5,079 | $5,114 | Scotiabank Momentum Visa Infinite |
Frequently asked questions
Which is better, CIBC Dividend Visa Infinite or Scotiabank Momentum Visa Infinite?
Over 3 years, CIBC Dividend Visa Infinite comes out ahead on 0 of 5 spending presets and Scotiabank Momentum Visa Infinite on 5. On a family's spending ($3,350 a month), Year 1 goes to Scotiabank Momentum Visa Infinite and every year after to CIBC Dividend Visa Infinite.
Why can the winner change after year 1?
Year 1 includes welcome bonuses and first-year fee waivers. From year 2 only rewards on spending, ongoing credits and the full annual fee count, so a card with a bigger bonus can fall behind.
Sources
Estimates for information only; not financial advice. See how cards are ranked.