Rent-and-tax cash back: Scotiabank's 4% play ends Oct 22.
Starting October 22, 2026, Scotiabank Momentum Visa Infinite+ cardholders using Chexy for rent or tax payments will see their 4% cash back drop to the card's 1% purchase rate. On a $2,000 payment, that shifts the math from $80 cash back minus a $35 Chexy fee for a $45 net gain to $20 cash back minus $35 fee for a $15 net loss. The change affects all platforms coding under MCC 6513 (rent) or 9311 (tax), including Casa and Neobanc, not just Chexy. Until then, the accelerated rate still applies.
the play
Use your Scotia Momentum Visa Infinite+ for rent or tax payments through Chexy before October 22 to capture the 4% rate; after that date, use a different card or pay directly to avoid the net loss.
Get one play like this every day.
The 5 O'Clock Drop - one tactical points move in your inbox at 5pm Mountain. Free.
source signal
This drop was reframed from a real reader question asked around the web. Written with the assistance of a language model in the voice of Barry B..
