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Scotiabank Gold American Express Card Scotiabank Canad

  1. As a Scotiabank Gold American Express® Card Cardmember, you, your spouse and accompanying dependent children are each automatically covered for up to $1 million in emergency medical coverage if sudden and unexpected illness or accidental injury should occur while travelling outside your province or territory of residence in Canada
  2. As a Scotiabank Gold American Express Cardmember, you have access to the Scotia Rewards Travel Service (operated by our third party travel service provider). This full-service travel agency and complimentary online booking tool will help you create the getaway you want when you book your travel through the Scotia Rewards Travel Service.
  3. The Scotiabank AMEX Gold is a Canadian credit card with no foreign transaction fee. It has an annual fee of $120 per year (which you can offset through GCR). You will earn 30,000 points after spending $1,000 within your first 90 days of card approval
  4. Starting August 1, 2019, we will no longer charge the 2.5% Foreign Currency Conversion fee (the markup) that is typically charged on foreign transaction purchases on the Scotiabank Gold American Express ® Card. Only the exchange rate will continue to apply. See the Foreign Currency Conversion section of your disclosure statement for your account and your Revolving Credit Agreement for more details about the foreign currency conversion fee and foreign transaction
Gold American Express Card

The Scotiabank Gold American Express card is a top travel credit card in Canada offering up to a 5% earn rate, $300 signup bonus, no foreign transaction fees, comprehensive insurance, and more. This review of the Scotia Gold AMEX card covers all its pros and cons. Get this Card Scotiabank Gold American Express® Card review Great reasons to get the Scotiabank Gold American Express Card for your everyday purchases. Earn 20,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months† 5x. eat in & eat ou

  1. g services. Benefits of the card includes Priority Pass Membership, access to great AMEX benefits such as AMEX Offers, and superb travel insurance. Overall, the Scotiabank Gold American Express Card is one of the best credit cards on the market for earning rewards on everyday spending
  2. With the Scotiabank Gold American Express, the earn rate is 5 points per $1 spent on restaurants and groceries, and on entertainment including movies, theatre and event tickets. Cardholders earn 3..
  3. The first and second accelerated earn rate for the Scotiabank Gold American Express Card Account (the Account) applies to the first $50,000 in purchases (in Canadian currency only) charged to the Account at merchants qualifying for the accelerated earn rates, calculated from January 1st to December 31st each year
  4. Scotiabank GoldAmerican Express ® Card. Special Offers Travel & Lifestyle. $120 annual fee. Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel) 1. Interest rates: 19.99% purchases /. 22.99% cash advances. View details.
  5. AMEX Cobalt vs. Scotia Gold AMEX Comparison. The American Express Cobalt and the Scotiabank Gold American Express are both on my list of the best credit cards for travel rewards in Canada. Annual Fee. Both cards will cost you $120 annually. The Scotia Gold Amex's annual fee is paid once, while for the Amex Cobalt, the annual fee is spread over 12 months at a $10 per month fee

Scotiabank Gold AMEX Review - Travel and Live Fre

  1. ating foreign transaction fees (following the trend set by Scotiabank's other products). Verdict: The Scotia Gold Amex is the clear winner with a 0% FX fee
  2. A perennial standout among Canadian travel rewards cards thanks to its accelerated earn rates, the Scotiabank®* Gold American Express® card is especially prized among travellers for its flexible rewards program that lets you book and redeem your points for travel anywhere with no restrictions
  3. Before the Cobalt Card came along, the Scotia Gold Amex was the one of the few mid-tier credit cards on the market with a significant bonus return on groceries and dining. Its 4x earn rate was then eclipsed by the Cobalt's return of 5x (and perhaps even more), which Scotiabank has now matched

FAQ Scotiabank Gold American Express Car

Earn 1 additional Membership Rewards point for every $1 you charge to your Gold Rewards Card on eligible hotel or car rental bookings made with American Express Travel at americanexpress.ca/travel 4. As an eligible Basic Cardmember, refer friends and you 13 could earn up to a maximum annual referral bonus of 75,000 points 14. Redeem points Payment must be made in full with an eligible American Express Card in the Canadian Gold Rewards Cardmember's name at time of checkout. The Gold Rewards Cardmember must travel on the itinerary booked. (1) The Cardmember will receive the credit as deduction from the final hotel bill when checking out of the hotel; they will receive $1 for each eligible dollar spent up to $100 USD. Amenities vary by property and facilities available. Eligible charges must be charged to the room and exclude. With t he Scotiabank Gold Amex (referral link), you'll earn 5 Scotia Rewards points per dollar spent on purchases made on grocery, dining, and entertainment purchases and 3 points for every $1 spent on gas, public transportation, rideshares and eligible streaming service purchases

The Scotiabank Gold American Express and the AMEX Cobalt both have excellent credit card promotions. With the Scotiabank Gold, you'll earn 25,000 bonus points ($250 value) if you spend $1,000 within the first three months and another 5,000 points ($50 value) provided you spend a total of $10,000 on the card within the first year Scotiabank AMEX Gold - 30,000 Points The American Express Cobalt Card has a 40,000 point bonus broken into two parts. You earn 5,000 points after spending $500 in each month, and an additional 10,000 points if you spend $3,000 in the first three months. There is a monthly fee of $10 ($120 annually) Actually the *Scotiabank Gold American Express Card* is Earn 4 points for every $1 you spent on gas, grocery, dining and entertainment purchases (on the first $50,000 in purchases) Earn 4 points for every $1 you spent on gas, grocery, dining and entertainment purchases (on the first $50,000 in purchases Pros And Cons Of The Scotiabank Gold American Express Card . Pros of the Scotiabank Gold AMEX. 4x earn rate on groceries, gas, dining and entertainment is one of the best in Canada; Flexible redemption through the Scotia Rewards portal or credit statements; Extensive travel insurance package; Purchase protection and extended warranty coverag

Scotiabank Gold American Express Card Review ($300 Bonus

Ranked as the number one travel points credit card with an annual fee in Canada, the Scotiabank Gold American Express Card was last reviewed by Rewards Canada in 2015, some three years after it was introduced in 2012. It was the first American Express card issued by a bank other than Amex Bank of Canada since CIBC tried the partnership in 2002 Scotiabank Gold American Express rewards. If you're in it for the rewards, the Scotia Gold Amex is a great choice. You'll get the highest earn rate for a flex travel card in Canada possible - so yeah, can't do much better than that.. Welcome bonus Get started on the right foot with a welcome bonus of up to 40,000 Scotia Rewards points (that's worth about $400) Scotiabank Gold Amex: 25,000 after $1,000 spend: $120: STACK: $25 / No ATM forex fees: No fees: BMO World Elite™* Mastercard®* 25,000 after $3,000 spend: $150 - FYF: WestJet RBC World Elite Mastercard: Up to $350 WestJet Dollars: $119 : MBNA Best Western Mastercard: 20,000 after first purchase: No Fee: MBNA Alaska Airlines Mastercard: 30,000 after $1,000 spend: $99: American Express. The Scotiabank Gold American Express Card offers a full suite of perks and benefits for a $120 annual fee. Plus, get comprehensive purchase and travel insurance and avoid paying foreign transaction fees. If you're looking for a fee-free card with similar benefits, you might like to check out the Scotiabank Gold American Express Card. If you.

The Scotiabank Gold American Express Card is offering up to 40,000 Scotia Rewards points for new cardholders: The only credit card in Canada that would give these bonus categories a run for their money would be the American Express Cobalt Card, whose 5x multiplier applies to groceries and dining only, excluding gas and entertainment. Meanwhile, you'll earn 3 Scotia Rewards points per. The Scotiabank Amex card has one of the best earning rates in Canada. If you combine the signup bonus (30,000 points with first card purchase) along with the 4% earning rate, this card becomes difficult to beat in the Canadian market. You can use your card to earn 4 points for every dollar spent on gas, grocery, and restaurants. What's really. You are at: Home » Credit Cards Canada » Scotiabank Gold American Express Card. Advertiser Disclosure Scotiabank Gold American Express Card. Last Updated on February 19, 2021 Credit Needed: Excellent* Earning rewards has never been easier - earn travel rewards up to 4x faster - apply today! Apply Now. Earn 25,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in. The Scotiabank Gold American Express card is getting a refresh as of August 1, 2019 and the changes should push this card into the conversation for top travel rewards credit card in Canada. What's that? A card refresh that actually enhances rewards and adds more value for cardholders? Shocking! Here's the summary of positive changes coming to the Scotiabank Gold American Express Card

Last week, Scotia unveiled a revamped AMEX gold card. We see this card as a potential challenger to the AMEX Cobalt but despite some new features, Scotia Rewards just aren't as valuable other reward options and the welcome bonus doesn't do enough to offset the annual fee to entice us to apply. So, for now anyway, we'll have to pass on this card. More points on new categories. We'll. Launched in September of 2012 the Scotiabank Gold American Express Card is now veteran of our loyalty credit card market. It was the first American Express card issued by a bank other than Amex Bank of Canada since CIBC tried the partnership in 2002. Now that the card has been around for over two years we figured it was time to give it a review since this partnership between Scotiabank and. Genymoney.ca's Scotiabank Gold Amex Review: I like that there's no annual fee for the first year and I like how the rewards can accumulate so quickly (4 points per dollar is high!). The sign up bonus is great too, that's enough for a short haul flight somewhere. Unfortunately, one downside is that the Scotia Travel Rewards are not transferable (e.g. they cannot move into an Aeroplan. Take traveling to the next level by applying for this sweet credit card today! Check out the Scotiabank Gold American Express ® Card for a solid return on your everyday purchases! It offers 15,000 Scotia Rewards bonus points with your first $1,000 in everyday purchases in the first 3 months.. On top of this kind sign up bonus, you can earn 4X Scotia Rewards points per $1 spent at eligible gas. Amex's bread and butter is charge cards, which don't allow you to carry a balance (not like you should anyway). Typically Amex cards carry higher than average annual fees as they're intended to appeal to wealthier people. The Scotia Amex cards are also really good, the Gold one is the one you hear a lot about

Amex exclusive benefits (Front Of The Line) Rates, fees, offers and other information are effective as of Mar 1, 2021. Subject to change. About This Card. The Scotiabank®* Gold American Express® Card offers rewards for everyday transactions and provides Cardholders with a multitude of travel benefits. The card is available to those with good credit ratings. The annual fee is $120. Additional. Scotiabank Gold American Express Card* The Scotiabank Gold American Express card stands out among Amex offerings in Canada, mostly thanks to its fair rewards systems. It allows you to earn Scotia Rewards points. Not to be confused with SCENE points, Scotia Reward points can be redeemed for a variety of purchases or are applicable towards your outstanding balance. The true standout attribute of. Scotiabank Gold Amex. As I talked about in Starting From Scratch: Earning Points For A Low Cost Trip, you should work back from your travel goal and structure your points and miles approach around that objective. Take some time to familiarize yourself with the various credit cards to see what will work best. Just because one has a great welcome offer doesn't mean it's right for you. There.

The Scotiabank Gold American Express card will net you an extra 2.5% return on your spending in the gas, grocery & restaurant categories above the 1.5% that you can already get from Capital One. For this card to be worthwhile, you would have to spend $4800 over the course of the year, or $330 / month in total in the privileged categories to offset the annual fee. You are also getting the. Scotia Amex Gold's 4% Entertainment was so hit and miss with what qualifies that it was not worth it, and I have CapitalOne Costco card for 3% at restaurants. Meridian beats Scotia Momentum in every way. I'd only choose Scotia Amex Gold over Meridian if I had an extremely high spend at ticketmaster, restaurants, and movies Winner: Platinum Churn-ability. Scotiabank is relatively generous with the sign up bonuses, as there are no specific rules. That being said, the deal breaker will go to the Gold card, because if you're going to churn, the sign up bonus of the Gold card relative the annual fee is way more worthwhile

Credit Card Scotia Bank Canada Scotiabank Gold Canad

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  2. If you're enrolled as a student, then in Canada you have a special status that allows you to qualify for an SPC (Student Price Card), which offers great discounts in many places that students shop. Though SPC cards are often a bit too simplistic for students with incomes and credit scores who can otherwise be eligible for a full-fledged rewards card, they have good value. The Scotiabank Gold.
  3. You are reading the title right, not only can you get an American Express card issued from the parent company, you can now get an AMEX with Scotiabank. As with most AMEX products, the value to the card holder is relatively high, but because the merchant fees are typically higher than Visa/MasterCard, acceptance can be relatively limited. In this case, the Scotiabank Gold American Express is a.
  4. Scotiabank Gold American Express rating: 5.0 stars. This is a top-notch credit card for people who enjoy flexible rewards. With a generous earn rate on multiple categories, a valuable insurance package, and a suite of perks and benefits to boot, this card brings a lot of value to the table. On the other hand, American Express cards still aren't.

Scotiabank ® Gold American Express ®± Card $1,400. estimated value of lifestyle rewards in your first year † 1. Apply Now (for ) 5 points per $1 CDN. Groceries, Dining & Entertainment 2. 3 points per $1 CDN. Gas Stations, Select Streaming Services, Daily Transit 2. 1 point per $1 CDN. Other everyday purchases 2. Annual Fee 7. $120. Supplementary Fee 7. $29/each. Interest Rate 7. Learn. Compare Platinum American Express card from Scotiabank Canada features with similar Platinum credit cards - see if it matches your needs. - Hertz #1 Club Gold Member - Travel Emergency Medical Insurance - Trip Cancellation / Trip Interruption Insurance - Delayed and Lost Baggage Insurance - Travel Accident Insurance *See terms and conditions for more card benefits Apply Now. at Scotiabank. Amex Bank of Canada: Network: American Express Canada: Minimum Income : $20,000: The information provided is for summary purposes only and at the time of posting is believed to be accurate. When you click on the Apply Now button you can review the credit card terms and conditions on the issuer's web site. Amazon is not a financial service provider and does not have any information in respect.

Scotiabank Gold American Express Card (Point Calculator

With the Scotiabank Gold Amex Express, you'll earn 3x Scotia Rewards points for every $1 CDN spent on eligible gas and daily transit. Includes ride-share, buses, taxis, subway, and more. The best part is when you pay for your Netflix subscription using this card, Earn 3x Scotia Rewards points for every $1 CDN spent on eligible select streaming services. 3. Purchases On Everything Else. For. Best American Express credit card in Canada. American Express Cobalt Card. Up to 30,000 points ( terms) Best Amex card for hotel stays. Marriott Bonvoy American Express Card. 60,000 points ( terms) Best Amex card for flexible rewards with no foreign exchange fees. Scotiabank Gold American Express Card

Test Driving the New Scotiabank AMEX Gold Card November 2012 Dian Emery. I've got a confession to make. I travel a lot - it's what I do for a living. But guess what? I've never had a travel rewards credit card in my wallet! Until now. Recently I applied, and was approved for the new Scotiabank Gold American Express Card. This makes me very happy. Why was I hesitant to try a travel. COVID-19 Advisory - Details about the Scotia Rewards Travel Service or other inquiries related to COVID-19. FAQ The Scotiabank Gold American Express. ®. Card offers a bonus of 40,000 points when you spend $1,000 in the first 3 months and $7,500 in the first year. The Amex Cobalt welcome bonus not only earns more points, but when you consider point value and convert to dollar amounts - Cobalt's bonus is worth $788 compared to Scotia Gold's $400 Amex Gold Rewards Card Review Final Verdict. If you're in the market for a charge card, the Amex Gold Rewards Card is an excellent choice. It offers more flexible earning categories than the Amex Aeroplan Card, but the points transfer option means that you can get the same value from the points you've earned. Plus, if Air Canada travel isn. I just recently got the Amex simplycash card from Amex. Can I just convert to this one to qualify for the promo or do a new application

Scotiabank Gold American Express review: How competitive

Scotia Amex Gold: Priority Pass: Discounted Membership Fee: $65: $99: $300: TD Platinum: Priority Pass: Discounted Membership Fee: $65: $120 : $100: TD First Class Infinite: Priority Pass: Discounted Membership Fee: $65: $99: $75: The next gallery of tables show how much it would cost you to get the 1 st, 2 nd, 3 rd etc. lounge access via credit card spending. The green ones are the cheapest. It looks like you're using an unsupported browser. For the best and most secure online banking experience, please upgrade your browser to the latest version of Chrome. Scotiabank Gold American Express Canada Earn 1 Scotia ® point for every $1 you spend on all other eligible everyday purchases (whether in Canadian currency or after conversion from a foreign currency) You won't pay the usual 2.5% foreign transaction fees on foreign currency purchases made online or when travelling abroad. That's a $25 savings for every $1,000 spent!2 - Card Name.

2017 Canada 1 Gram Gold Maple Leaf BU 25-Coin SheetRewards Canada: Amex Offers - Spend $9

Important Notice about Changes to Scotiabank Gold American

Moneysense called the Scotiabank Gold American Express Card one of the 2017 best travel credit cards. Offers one of Canada's richest reward rates of 4% on gas, grocery, dining and entertainment, 1% back on everywhere else - Moneysense, Best Travel Credit Cards of 2017 Finding Fabulous Credit Card Rewards Programs in Canada (MBNA Rewards vs BMO World Elite MasterCard vs Scotiabank Gold Amex vs TD Cards) Canadians face a tricky little problem. They absorb American advertisements and, as a result, are exposed to American consumer, entertainment, and financial products. However, in a lot of cases, unless they go south of the border or engage in some pricey. 8 things to know about the AMEX Gold Rewards Card. 1. The card offers impressive points. The American Express Gold Rewards Card packs a punch with impressive points earn rates. You earn 2. The Scotiabank Gold American Express card is often ranked as the best travel credit card in Canada and it's not hard to see why. It has an excellent earn rate, a good sign up bonus and no foreign transaction fees. Basically, if you spend a lot on your credit card and you like to travel, this card is for you. When you look at all the additional benefits, it's not hard to see why this card is.

Travel Credit Cards Scotiabank Canad

Scotiabank Gold Amex Credit Card Offers New Feature First Published Date: November 26, 2016 Scotiabank Gold American Express travel credit card is known for its mega proprietary points offer on selected categories, beating any other cards. For example, 4 points for every $1 spent at eligible ga Get bonus now: Scotiabank American Express Card https://marketai.com/product/credit-cards/scotiabank-american-express-card-ca Use your Card and book travel t.. TM, ®: Used by Amex Bank of Canada under license from American Express. Additional Membership Rewards ® point Offer Basic Cardmembers enrolled in the American Express Membership Rewards ® Program that book travel through the American Express Travel website will earn one additional bonus Membership Rewards point for every dollar charged to their eligible card for hotel and car rental. Gold vs. Platinum Amex Card: An Overview . Let's face it, there's a secret pleasure attached to American Express precious metal cards, whether Gold or Platinum Both Amex Cobalt and Scotiabank Gold Amex have received a thumbs up from several financial product comparison websites. One of these sites, GreedyRates, caught an important detail in their offers.

American Express Cobalt vs

Amex forex rates india scotiabank gold american express card canada scotiabank gold american express card canada amex forex rates india exchange rate notifications cbic gov in ascent business advantage card. Tweet Pin It. Related Posts. Forex Trade Demo. Argentina Currency Exchange. Recent Posts . Forex Trading Websites. Dinero De Costarica. Swedish Currency Exchange. Currency Converter Euros. AMEX ® Travel Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada. Amex Bank of Canada identifies insurance providers and products that may be of interest to some of its customers. In this role we do not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. We want you to be aware that we receive compensation. Amex exclusive benefits (Front Of The Line) Rates, fees, offers and other information are effective as of Mar 1, 2021. Subject to change. Legal Disclosures. 1 Offer Description and Conditions: For a limited time, open a new Scotiabank Gold American Express credit card account (Account) and earn a 30,000 Scotia Rewards point bonus with your first $1,000 in everyday eligible purchases if.

Scotiabank American Express Card rewards and benefitsAmerican Express Canada Launches New Gold Credit Card WithIncreased Signup Bonuses for the Scotiabank AMEX and RBCCanada's best retail rewards credit cards of 2015Tangerine Money-Back Credit Card Review (No Fee Cash Back

Head-to-Head: Amex Cobalt vs

Offer Description and Conditions: For a limited time, open a new Scotiabank Gold American Express credit card account (Account) and earn a 30,000 Scotia Rewards point bonus with your first $1,000 in everyday eligible purchases if made within the first 3 months. Plus, earn a bonus 10,000 Scotia Rewards points when you spend at least $7,500 in everyday eligible purchases on your Account in. Scotiabank Gold American Express Card rewards and benefits review Apr, 2021. Earn 15,000 bonus points with your first $1000 in everyday purchases in the first 3 months1. Earn 4 Scotia Rewards points on every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment.2. 4X Scotiabank Gold American Express Card Review + MORE Mar 4th In Canada, online shopping accounts for purchases in the billions annually, and it's easy to see why. Instead of pounding the pavement, braving fitting rooms or standing in lines, online shoppers make their purchases with a few clicks and taps. Plus, who doesn't like getting mail? When it comes. More » The Aeroplan Blue. With the Scotiabank Gold American Express card, you'll earn four points for every dollar spent on groceries, gas, dining and entertainment. It comes with a $99 annual fee, but you'll get 20,000 bonus points with your first purchase - worth $200 in travel rewards

Scotiabank Gold American Express Card Review 202

Scotiabank Gold American Express Credit Card Pros - If you're looking for a credit card with a decent size spending limit, you've found it here. The maximum spending limit for this card is $5,000! Also, it has a pretty low annual fee, weighing in at only $99. However, the biggest perks associated with this credit card is the rewards. You can earn up to 4 Scotia Rewards points on. Air Canada (Altitude) (Merged with Air Canada Aeroplan) Air China (Phoenix Miles) the Scotiabank Gold American Express® Card. Today, we are doing to discuss the changes. I think that you will find some pleasant surprises below! First off, let's recap the previous and current highlights. Previous Highlights. $99 annual fee; $29 annual fee for a supplementary cardholder; Earn 20,000 sign. Scotiabank AMEX Gold. Recent Posts. Introducing Air Canada's Reenvisioned Aeroplan Program; The New Aeroplan Co-Brand Credit Cards; Aeroplan Now Even Better! Search PointsNerd. Categories. Categories.

Upcoming Changes to the Scotia Gold Amex Prince of Trave

Scotiabank Gold American Express Card | Scotiabank Canada www.scotiabank.com. Scotiabank Gold American Express® Card. Earn 5 Scotia Rewards®* points on every $1 CAD you spend on eligible purchases.2. The only major bank that. The Scotiabank AMEX Express Gold first year free offer is back! You'll get 20,000 points after spending $750 in three months, which can be converted directly into $200 worth of travel cash. Further, this card is pretty darn good for everyday spending - you get 4 points (essentially 4% cash back) for spending at gas stations, grocery stores, restaurants, and entertainment, and 1 point for. Apply Now. The Scotiabank®* Gold American Express® Card is an all-around winner thanks to its flexible redemption program, practical high-earn rewards categories and great bonus offer. Right now, new cardholders can earn up to 40,000 bonus Scotia Rewards points (which works out to $400 when put towards travel). Here's how it works: you'll get 30,000 Scotia Rewards points when you spend. The AMEX Rewards Gold card is nothing if not two things: 1) arguably the best card in the Canadian credit card market and 2) oft-misunderstood. It's superior value comes from a combination of a 25,000 point ($250) welcome bonus with a first-year fee waiver; exceptional flexibility, with the option of transferring points to any number of. Example of how to use Air Canada Aeroplan miles: American Express® Gold Card: 60,000 Amex Membership Rewards® points after spending $4,000 in purchases in the first six months of account opening. Terms Apply. American Express® Business Gold Card: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of.

Scotiabank has billed itself as Canada's most international bank due to its acquisitions primarily in Latin America and the Caribbean, and also in Europe and parts of Asia. Scotiabank is a member of the London Bullion Market Association and one of fifteen accredited institutions which participate in the London gold fixing by guru on February 9, 2012 - American Express Canada, Best Credit Cards, Canadian Credit Cards, Credit Card Deals. AMEX Gold Rewards Card is one of the best personal credit cards for the Canadian market. It lets you earn 15,000 Bonus Membership Rewards points when you spend $500 or more in the first 3 months, which can be redeemed for a $150 shopping gift card The Scotiabank Gold American Express Card is the best alternative and has unique features.. Why it is amazing: it earns just as much if you just want a travel credit Who it is for: those who spend less or don't want hotel points How much it earns on grocery: 5X Scotia points per dollar (5% back) How much the welcome bonus is: $90 in free travel net by spending $1,000 in 3 month

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