Read our expert's … Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by the credit card network in another manner, in which case this added benefit would not apply.   The annual spend calculation for the $50,000 maximum threshold is calculated annually from January 1st to December 31st each year. This benefit is subject to an exclusion for pre-existing medical conditions. Looking at the cash back value the Scotia Momentum Visa … 3. Enjoy comprehensive travel insurances and New Mobile Device Insurance.7. Barry Choi on June 8, 2018 at 10:57 AM. The Smart Cash Mastercard is moot, however, if you are already carrying a World Elite card (discussed above), as any purchase made with a World Elite card will earn the same or more rewards than the MBNA … Annual fee is waived for the first year. Plus, comprehensive Travel Insurance and New Mobile Device Insurance.7. That’s $35 USD in annual savings! Why get the Scotia Momentum … The lost luggage benefit is limited to the lesser of the value of the covered luggage or the actual replacement cost of the lost or stolen covered luggage, to a combined maximum of $500 for all insured persons on the same trip. Dine with some of the biggest names in the food and wine industry in a private, sophisticated setting. Collateral Mortgage Charges, ScotiaLine Personal Line of Credit (STEP), ScotiaLine Personal Line of Credit for Students, Registered Education Savings Plans (RESP), TFSA Interest Rates, Contribution/Room Limit, Guaranteed Investment Certificates (GICs), Scotia Plan Loan Life & Disability Protection, For details, and to check out the current exclusive Card holder offers, visit, More details about New mobile device insurance, More details about Trip Cancellation and Trip Interruption Insurance, More details about Travel Emergency Medical Insurance, More details about Flight Delay Insurance, More details about Delayed and Lost Baggage Insurance, More details about Travel Accident Insurance, More details about Rental Car Collision Loss/Damage Insurance, More details about Purchase Security & Extended Warranty Protection. Remember that the 21.99% rate you have to pay for cash advances and balance … Receive an automatic room upgrade when it’s available and free Wi-Fi in your room when you check in. • Annual fees are changing. Believe Scotiabank’s increase of fees on Momentum Visa Infinite from $99+30 to $120+50 for couples’ annual fees and replace of 4% gas & 2% drug bonuses with (less desired here) recurring bills & transit … You may be reimbursed for eligible necessary and reasonable living expenses incurred during the period of a delayed flight or missed connection which lasts four hours or more, to a limit of $500 per Insured Person on the same trip. Examples: insurance premiums, utilities, gym memberships and more. Travel medical – $1,000,00 coverage up to 15 days The 10% Cash Back and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotia Momentum® Visa Infinite* credit card accounts (“Accounts”) that are opened, and any supplementary Account cards issued, by February 28, 2021 and is subject to the below terms and conditions. Includes: gas stations, paying at the pump, buses, taxis, trains, rideshare, and more. Authorized User Fee. All rates, fees, features and benefits are subject to change.Â, Bonus Offer Description and Conditions: To be eligible for the Bonus Offer, you must have at least $1,000 in eligible purchases posted to your new Scotiabank Passport Visa Infinite credit card account (“Account”) in the first 3 months from the Account open date. The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions).  All rates, fees, features and benefits are subject to change. See terms and conditions below for full details. Based on a first year annual fee waiver of $120 for the primary card, $50 for one supplementary card, and a potential bonus cash back earning of at least $180 during the Offer period assuming a minimum spend of $2,000 at the lowest possible cash back earn rate under the Program of 1% (i.e., Cash Back Bonus Rate of 9% x $2,000).  Actual value will vary based on number of supplementary cards issued for the Account and individual category spend in the first 3 months.  See full Offer terms and conditions above. Coverage includes eligible expenses for hospital care, nursing care, prescription drugs, licensed ambulances and physicians' and surgeons' fees, as well as other eligible medical services and supplies. … Most items purchased with your Card are insured against theft, loss, or damage for 90 days from the purchase date. Apple Pay - The easy, secure, and private way to pay with your eligible Scotiabank credit cards.9. The Scotia Momentum No-Fee Visa Card is a great option for those seeking a free credit card that offers cashback, supplemental card privileges, digital access, and discounts on car rentals. Scotiabank Passport Visa Infinite – How It Compares to Other Popular Credit Cards. The MBNA Smart Cash Mastercard is a more entry level card and comes with no annual fee. Negatives: The downsides to Scotia Momentum® VISA Infinite Credit Card include the annual interest rate of 19.99%. Annual fees, when they're charged, range from $25 to $500 depending on the credit card. After the Offer End Date, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Cash Back Program Rate”) described in the Scotia Momentum Visa Infinite Cash Back Program Terms and Conditions (the “Program Terms”).  The 10% cash back rate for any category is made up of the sum of: (i) the regular Cash Back Program Rate (variable by categories as set out under the Program Terms); and (ii) a “Cash Back Bonus Rate”. Qualification requirement: annual income of $60,000 or household income of $100,000; Annual Fee: $120 Earning Rate: 4% on Groceries (incl. If your checked luggage is delayed or lost, you’re covered.7. Rates and Fees: The current annual fee for the Scotiabank Passport Visa Infinite credit card (“Account”) is $139 for the primary card, $0 for one additional supplementary card and $50 for each additional supplementary card thereafter… Minimum income requirements. Simply wave your card over the card reader and go!8. Visa Zero liability policy The ‘no annual fee in the first year’ perk is available until Nov 1, 2020. Visa payWave™ is a Trademark of Visa Int./Lic. Registered trademark of The Bank of Nova Scotia. The 10% Cash Back and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotia Momentum® Visa Infinite* credit card accounts (“Accounts”) that are opened, and any supplementary Account cards issued, by February 28, 2021 and is subject to the below terms and conditions.  All other terms and conditions of the Program Terms continue to apply during the Offer period. One of the best cash back credit cards in Canada is getting a refresh.. Come August 1st, the Scotia Momentum Visa Infinite will undergo changes that will tilt its cash back rewards to be more in favour of recurring bills and public transit, and less towards gas and pharmacies. Visa Infinite customers also get exclusive entertainment and dining deals in addition to comprehensive travel insurance coverage. Plus, Scotiabank will waive the annual fee for both the primary and supplementary cardholders for the first year. The card … 33 5. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Bonus Offer.Â, Annual Bonus Point Conditions: As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scotia Rewards point bonus starting at 10,000 Scotia Rewards points when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Change Category Region. All other trademarks are the property of their registered owners. So if you plan to give a second Scotia Momentum Visa Infinite … Search by Category. This card boasts a high rate of cash back rewards on daily purchases like groceries, recurring payments and gas. Scotia Momentum Visa Infinite Card annual fee review $120 Annual fee $30 Additional card fee Annual fees are one of the most common credit card fees. The Account is considered in good standing if it is not delinquent (past due) or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Your monthly account fee of $15.95 per month won’t change. Learn more about credit card fees and interest rates. 2. The Primary Cardholder on the Scotiabank Momentum® Visa Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder. Are you new to Canada in the past three years? This is another great perk: as a Scotia Momentum Visa Infinite cardholder, the annual fee on the Scotiabank U.S. Dollar Visa will be waived 6. Coverage extends for the first 90 days from the date of purchase and is limited to the lesser of the repair cost, replacement cost or original purchase price, and is in excess of any other insurance coverage. For a limited time, become a new Scotiabank Passport Visa Infinite credit cardholder and earn a one-time 20,000 Scotia Rewards point bonus with your first $1,000 in everyday eligible purchases if made within the first 3 months (the “Bonus Offer”). You must have a minimum annual income of $60,000 or a minimum household income of $100,000 or a minimum assets under management of $250,000. George, Yes, it’s a great card for the multipliers. 22.99% on cash advances, balance transfers, Scotia Credit Card Cheques and cash-like transactions. Interest rates, annual fees and features are effective as of August 1, 2019 and are subject to change without notice. Whether you need help planning your trip, booking restaurant reservations, or scoring tickets to a show, our concierge is happy to assist you 24/7.3. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be credited to your Account as follows: (1) the Cash Back Bonus earnings of $120 (6% x $2,000) will be credited to your Account within 7 months from the Account open date, and (2) the Regular Cash Back earnings of $80 (4% x $2,000) will be credited to your Account as per the regular cash back payment schedule (i.e., November). When you purchase common carrier tickets with your Scotia Momentum® Visa Infinite* Card, you are eligible for coverage against the loss or the delay of your checked luggage. Fees at a glance Earn 2% for every $1 you spend on gas purchases and daily transit purchases. 1. Scotia Momentum® Visa Infinite* Card snapshot Great reasons to get this card for your everyday purchases Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total … The Certificates of Insurance and/or Terms and Conditions contain full details of all coverages and services provided by American Bankers Insurance Company of Florida and American Bankers Life Assurance Company of Florida. Learn more in Wealth Rocket's extensive review. The Bank of Nova Scotia is not responsible for this service. You are automatically covered by Collision Loss Damage Insurance when you rent a vehicle in your name, decline the agency's collision damage waiver or loss damage waiver (or similar provision) and use your Card to pay for the rental. This card boasts a high rate of cash back rewards on daily … Scotia Momentum Visa Infinite pays 4% cash back on grocery and gas purchases, 2% on drugstore purchases, with annual fee of only $99. Click to Pay is an online checkout solution provided by a third party that supports American Express, Mastercard and Visa cards and is based on EMV® SRC Specifications. Secure application on the Scotiabank website Card Features. Bonus Offer may be changed, cancelled or extended and cannot be combined with any other offers.Â, Plus, as a Scotiabank Passport Visa Infinite credit cardholder you are always eligible to earn an annual 10,000 Scotia Rewards point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Best Credit Cards Canada. (Please check with your merchant to see if they offer recurring bill payments on Visa cards.). AVIS reservations may be made online at avis.com/scotiabankmomentuminfinite or by calling 1-800-TRY AVIS (879-2847). Apply Now . Coverage provides reimbursement of non-refundable eligible trips costs and additional charges for ticketing changes. Card 2. Edit Bonus × This bonus is automatic and cannot be edited. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within 7 months from the Account open date; andÂ. Recurring Bill Payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your Scotia Momentum® Visa Infinite* Card. According to the credit card review done by Market Ai, Scotia Momentum Visa … Cash back on all eligible gas station, grocery store, drug store … After the first year, the annual fees are as follows: $120/year for the primary cardholder. There are two different coverage bundles to choose from: Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. Interest rates, annual fees and features are subject to change without notice. Not all merchants offer recurring bill payments. You will need to provide proof that your annual gross income is above $12,000 per year. The current preferred annual interest rates for this Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). You will earn 4% Cash Back on the first $25,000 you spend annually on purchases on the Account at merchants classified in the Visa Inc. (Visa) network as Grocery Stores & Supermarkets (Merchant Code 5411) and Recurring Bill Payments. The affordable cost includes benefits for a Co-Borrower at no additional charge. Scotiabank has three credit cards under the Momentum Visa category. The Scotiabank Momentum Visa Infinite Card has a foreign currency conversion fee of 2.5%. These cash back amounts apply to your first $25,000 in purchases every year. The ScotiaGold Passportâ® VISA* card, for example, offers a maximum cashback rate of 5% but comes with an annual fee of $110. Revolving Credit Agreement (Amex/Visa Cards and Lines of Credit), Activate your Card online The Scotia Momentum Visa Infinite credit card provides one of the best cashback programs available in Canada. Cash back earned under this Offer will be credited to your Account in 2 instalments so long as your Account is open and in good standing at time of payout of each:Â, 1. Scotiabank U.S. Dollar Visa annual fee waiver. Learn more in Wealth Rocket's extensive review. The annual fee of $99 kicks in after the first 12 months that you own the Scotia Momentum Visa Infinite credit card, and there is also a fee of $30 for each supplementary card taken out. There are also other perks of card ownership including access to exclusive Scotiabank events and offers, plus ample insurance coverage. Scotia Momentum® VISA Infinite* Card. Card. You will earn 1% cash back on purchases made after you have reached the 4% and 2% $25,000 annual spend maximum ('overflow') and on all other eligible purchases made with the Card. The Scotia Momentum No-Fee Visa is the ideal budget credit card, best suited for everyday spending. Last Updated: Jan 19th, 2021 5:47 pm; Category: Financial Services; Credit Cards; Tags: scotiabank; scotia momentum visa infinite card; 100; gcr; fyf; SCORE +28? Please quote AVIS worldwide discount number C030400. The annual fee of $99 kicks in after the first 12 months that you own the Scotia Momentum Visa Infinite credit card, and there is also a fee of $30 for each supplementary card taken out. For instance, I have RBC Avion visa infinite privilege with a $499 annual fee, and I would like to know whether AMEX centurion platinum, with a $699 annual fee, … Scotia Rewards Travel Service booking site provided by a duly licensed 3rd party travel agent: Visit scotiarewards.com for full terms and conditions about the Scotia Rewards Program, including the Scotia Rewards Travel Service. Awarded a total of 13 awards and recognitions for cash back cards in Canada in 2020 by 8 of Canada’s major credit card comparison websites. All Scotiabank retail credit cards, except ScotiaLine Visa Card, Scotiabank Value Visa Card, and No-Fee Scotiabank Value Visa Card, will have Visa payWave when issued or reissued. Includes: pre-authorized payments setup to occur on a regular schedule (daily, monthly or annually). No Annual Fee Card: These types of credit cards do not charge any annual fee – Scotia Momentum No-Fee Visa card and Tangerine 2% Money-Back Credit Card. Use our Branch Locator. You will earn 2,000 bonus Scotia Rewards points for every additional $10,000 in Purchases thereafter in that same year, after the $40,000 annual spend has been reached.Â. The Account is considered in good standing if it is not delinquent (past due) or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Coverage provides reimbursement of non-refundable eligible trips costs and additional charges for ticketing changes. Enter how much spend you plan on running through the card(s). Simplify Record Keeping Spending on your Scotiabank Visa Account is consolidated into one monthly statement. Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only. Conditions apply - see 2 below for further details.Â, Rates and Fees: The current annual fee for the Scotiabank Passport Visa Infinite credit card (“Account”) is $139 for the primary card, $0 for one additional supplementary card and $50 for each additional supplementary card thereafter. The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions).  All rates, fees, features and benefits are subject to change. The Scotia Momentum Visa Infinite Card offers a full suite of perks and benefits in return for a relatively low $120 annual fee. Understanding Mortgage Prepayments and Charges, Conventional vs. You will earn 1 point per $1 on purchases made on the Account after the 2 points per $1 / $50,000 annual spend maximum is reached and on all other purchases made on the Account. This optional insurance coverage can provide you and your family financial protection by paying off your outstanding account balance or helping to cover your monthly credit card payments as a result of certain unexpected life events, such as Death, Critical Illness, Hospitalization, Disability, Job Loss or Strike or Lockout. Most customers are relatively satisfied with the perks and benefits on offer from the Scotia Momentum Visa Card. Changes effective August 1, 2019 … × Card 1. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. Believe Scotiabank’s increase of fees on Momentum Visa Infinite from $99+30 to $120+50 for couples’ annual fees and replace of 4% gas & 2% drug bonuses with (less desired here) recurring bills & transit respectively, etc. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within 7 months from the Account open date; andÂ. For claim forms and answers to Frequently Asked Questions visit our partner's site. Bonus Offer applies to new Accounts only opened by February 28, 2021.Â, Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Bonus Offer. Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program Terms. Scotia Momentum Visa Infinite Card is charging $120 as the annual fee and it's charging $30 as per additional credit card. The annual fee for the Scotiabank Momentum Visa Infinite Card is $120 per year. For current rates and information on fees and interest cost, call 1-888-882-8958. For current rates and information on fees and interest cost, call 1-888-882-8958. The delayed luggage benefit is limited to $500 for all insured persons on the same trip for the cost of replacing eligible essential items if your checked luggage is not delivered within four (4) hours from your time of arrival at your final destination. Visit a branch to apply. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. This is one of the few Cash Back Visa Infinite* credit cards with this insurance benefit.7. Scotia Momentum® Visa Infinite* card: At A Glance; Welcome Bonus: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. Foreign Transaction Fee. First-year annual fees for the Scotia Momentum Visa Infinite are waived for all new applications. Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only. The card will also up its insurance offering along with its annual fee. The Scotia Momentum Visa Infinite is one of the most popular cashback cards in Canada, offering a 1st year annual fee waiver & cashback bonuses for groceries, recurring bills and more. 7.99% introductory interest rate on everyday purchases for the first 6 months (19.99% after that; annual fee $0)1. 10% Cash Back Offer Description and Conditions: You will earn 10% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Offer End Date”). Whether or not you go for the Scotia Momentum Visa Infinite credit card very much depends on where you spend your money. Get an additional Card for a friend or family member by adding them as a supplementary cardholder to your Scotia Momentum® Visa Infinite* Card account.10. I signed up for the Scotia Momentum Visa Infinite Card a few months ago as my calculations showed that it would indeed give us the biggest cash back, even after the annual fee of … The manufacturer’s warranty is also doubled for up to one year.7. You will not be charged the new annual fee until your next anniversary for your Account on or after August 1, 2019. Regularly earn cash back on purchases from groceries to subscription and rideshare services, … Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer. They are: A) Scotia Momentum Visa: Discussed in this review. Plus, no annual fee in the first year, including on supplementary cards.1 The Scotia Momentum No-Fee Visa is the ideal budget credit card, best suited for everyday spending. Annual interest rate: 20.99% on purchases; 22.99% on funds advances . Annual Fee. Click to PayΔ* - Paying online with your Visa card is easy, smart, and secure. During the first … Scotia Momentum® Visa Infinite* Cash Back Program  Terms and conditions. EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 4% then the Cash Back Bonus Rate will be 6% for that category so that you will earn a total of 10% on the amount of all eligible everyday purchases in that category until the Offer End Date. Winner of the 2019 Best Cash Back Card (with a Fee). Low-Interest Balance … The downside is that it doesn’t have a big signup bonus. After the Offer End Date, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Cash Back Program Rate”) described in the Scotia Momentum Visa Infinite Cash Back Program Terms and Conditions (the “Program Terms”).  The 10% cash back rate for any category is made up of the sum of: (i) the regular Cash Back Program Rate (variable by categories as set out under the Program Terms); and (ii) a “Cash Back Bonus Rate”. Search this thread. Reply. Update Cancel. Calculate how much cash back you can earn with the Scotia Momentum Visa Infinite Card based on spend and compare it side by side top rewards cards. Zack Fenech | October 19, 2020. The annual fee for the Scotiabank Momentum Visa Infinite Card is $120 per year. 3. Scotia Momentum. Credit Cards. Although the cashback element may be the headline attraction of this Scotia … Scotia Momentum Visa Infinite Review (Best Cash Back Credit Card In Canada | 10% Cash Back Bonus) ... $139 annual fee; 30,000 Scotia Rewards welcome bonus points (must spend $1,000 in first 3 months) 2x points on every $1 spent at grocery stores, restaurants, entertainment and daily transit; 1x points on every $1 spent elsewhere ; No foreign transaction fees; Free Priority Pass … Increase your credit limit This comprehensive coverage is available at a monthly premium rate of only $1.09 per $100 of the daily balance on your credit card account (plus any applicable sales tax). EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 4% then the Cash Back Bonus Rate will be 6% for that category so that you will earn a total of 10% on the amount of all eligible everyday purchases in that category until the Offer End Date. After the special offer period, keep earning cash back on your everyday purchases. Also, Meridian Visa Infinite Cash Back Card offers four options of account credit ($50 minimum), merchandise, events and gift cards for redemption “ANY TIME”, which is MORE FLEXIBLE than Scotiabank Momentum’s restriction for “November statement redemption only”. The Bank of Nova Scotia is not an insurer. You, your spouse and eligible dependent children will be automatically insured against accidental loss of life, or dismemberment – up to a maximum of $500,000 (to a maximum of $1,000,000 per occurrence). The Scotia Momentum Visa Infinite card was the winner of the MoneySense best cashback card with a fee in 2019 - and for good reasons! Your annual interest rate on Cash Advances (including Balance transfers and Scotia Credit Card Cheques) is not changing. You’ll also get 2% cash back on all of your recurring bill payments scheduled onto the Scotia Momentum VISA Infinite card and eligible drug store purchases that fall into purchase category 5912. Annual fee: $120 . Scotia Momentum Visa Infinite travel insurance benefits. … Card. Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to the Bank of Nova Scotia. You may have Mobile Device Insurance for new cell phones, smartphones, or tablets purchased on or after August 1, 2019, when you charge the full cost of your new mobile device to your Card, or charge all of your wireless bill payments for such device to your Card when you fund such purchase through a plan. Coverage is limited to the lesser of the repair cost, replacement cost, or original purchase price. The MBNA Smart Cash World Mastercard offers: 5% bonus on gas and groceries for 6 months (up to $500 in combined spend), Earn 4% for every $1 you spend on recurring subscription purchases. Concierge Service provided by a duly licensed third-party premium concierge provider: AXA Assistance USA, Inc. You will earn 2% Cash Back on the first $25,000 you spend annually on purchases made at merchants classified under the Visa network in the categories of Gas (includes Service Stations [with or without Ancillary services], and Automated Fuel Dispensers & Electric Vehicle Charging) (Merchant Codes 5541, 5542, 5552) and Daily Transit (including Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services [Not Elsewhere Classified]). Card holders earn cash back on all purchases at varying rates. User. 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