Reference strategies

Reference strategy: One Card

The best all-around card without a complex wallet. This page shows the strategy calculated for this profile; adjust the spending level or the American Express policy, or adapt it to your own spending.

Annual spending levels

The same total amount is used for every profile at a given level. Only the distribution across spending categories changes by profile.

  • Moderate — $24,000 / year
  • Standard — $36,000 / year
  • High — $60,000 / year

In a personalized analysis, your actual spending replaces this reference basket.

Your strategy

One Card

The best all-around card by net value, with fees already deducted.

  • Everyday purchases
  • Groceries
  • Pre-authorized payments
  • + more
Adapt to my spending

Your recommended cards

1 card in this strategy
1 Primary card
Scotia Momentum Visa Infinite Card — Scotiabank Canada

Scotia Momentum Visa Infinite Card

Scotiabank Canada

  • Transportation
  • Everyday purchases
  • Entertainment
  • Gas / charging
  • Groceries
  • Pre-authorized payments
  • Restaurants

$36,000/year assigned to this card

Welcome offer included

View card

How to use it

How to use this strategy

Spending breakdown for the reference profile and the recommended card for each category.

  • Everyday purchases $9,600 Scotia Momentum Visa Infinite
  • Groceries $8,400 Scotia Momentum Visa Infinite
  • Pre-authorized payments $6,000 Scotia Momentum Visa Infinite
  • Gas / charging $3,600 Scotia Momentum Visa Infinite
  • Restaurants $3,600 Scotia Momentum Visa Infinite
  • Transportation $2,400 Scotia Momentum Visa Infinite
  • Entertainment $2,400 Scotia Momentum Visa Infinite

Breakdown by card

  • Scotia Momentum Visa Infinite Card

    $36,000/year assigned to this card

    • Transportation
    • Everyday purchases
    • Entertainment
    • Gas / charging
    • Groceries
    • Pre-authorized payments
    • Restaurants

Breakdown across cards

  • Scotia Momentum Visa Infinite 100 %

These amounts make up this scenario’s reference profile. Adapt them to receive a personalized strategy.

Adapt to my spending

Is a more advanced strategy worth it?

Scotia Momentum Visa Infinite Card — Scotiabank Canada

The best strategy is already a single card.

Adding another card does not provide enough net gain for this profile.

View calculation details Understand net value, fees, and each card’s contribution.

Calculation transparency

How this strategy’s value is built

The breakdown shows each card’s contribution. Applicable fees have already been deducted.

Annual net value
Annual gross value
$852
Annual fees
$120
Annual net value
$732
First-year value
Recurring net value
$732
Eligible offers
$320
First-year value
$1,052
2-year total$1,784
3-year total$2,516

The first year includes offers earned during the first 12 months; subsequent years use recurring value.

Portfolio breakdown

Each card’s contribution

Each expense is assigned once to the card responsible for it.

Scotia Momentum Visa Infinite Card — Scotiabank Canada

Scotia Momentum Visa Infinite Card

Primary card

$36,000 in assigned spending

  • Transportation
  • Everyday purchases
  • Entertainment
  • Gas / charging
  • Groceries
  • Pre-authorized payments
  • Restaurants
Annual net contribution
$732
Offer — first 12 months
$320
First-year contribution
$1,052
Annual fee
$120

Published scenario

Assumptions used

Strategy assumptions $36,000/year Standard 1 card max. Priority: Maximum net value with one card

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