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Earn a bonus worth up to $450 toward travel

Woman with rolling suitcase, travelling abroad
Korneevamaha / Twenty20

Open a new Scotiabank® Gold American Express® Card account by April 30, 2023 and make at least $1,000 in purchases with your card in your first 3 months and you’ll earn 25,000 Scotia Rewards points.

Earn another 20,000 bonus points — for a total of 45,000 points — when you make at least $7,500 in purchases in your first 12 months from opening the account.

That’s a bonus worth $450 in travel just for using your card.

Unexpected vet bills don’t have to break the bank

Life with pets is unpredictable, but there are ways to prepare for the unexpected.

Fetch Insurance offers coverage for treatment of accidents, illnesses, prescriptions drugs, emergency care and more.

Plus, their optional wellness plan covers things like routine vet trips, grooming and training costs, if you want to give your pet the all-star treatment while you protect your bank account.

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Earn 5X points on everything you eat

Fresh produce at supermarket
RLTheis / Twenty20

No matter where you live, we all need to eat. You’ll earn the most points on food categories with this card than you will with any other.

Earn 5x points for every $1 spent on nearly every food category from groceries to food delivery to restaurants and even subscription services.

Earn 5X points on date nights at home or on the town

Couple enjoying dinner out together
VforVictoria / Twenty20

Staying in for food delivery or dining out at a restaurant and catching a movie at the theater? Doesn’t matter.

Not only does your food delivery or restaurant dinner earn 5x points per dollar spent, but so does your entertainment — movies, theatre, and ticket agencies — all earn 5x points.

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Earn 3x points on movie night at home

Movie night at home with popcorn
David_Tanke / Twenty20

Still thinking about ordering in and watching Netflix this weekend?

While food delivery earns 5x points, streaming services earn 3x points per dollar spent. Not the highest rate, but there aren’t many other cards out there awarding any points for streaming services.

Earn 3x points on your choice of getting around

Woman on a subway platform
lukasnorth / Twenty20

Most travel reward credit cards don’t award a significant amount of points on gas and transportation. However, this travel rewards credit card is different.

Earn 3x points per dollar spent on nearly any form of transportation:

  • Gas
  • Rideshare
  • Bus
  • Taxi
  • Subway

Reward yourself with several redemption options

Online shopping with credit card in hand
nina_p_v / Twenty20

While travel might be on your mind for later, that isn’t the only way you can use your points.

Reward yourself and redeem your points for:

  • Merchandise from Apple and Best Buy
  • Pay your bill with a statement credit
  • Gift cards from hundreds of stores such as Costco, Walmart, and Home Depot
  • Convert points to or from SCENE points

And, of course, travel. Which covers everything from flights, hotels, car rentals, cruises, and more.

Plus, there’s no foreign transaction fee when you travel with the card, which is rare for cards with low or no annual fee. Using a credit card abroad can sometimes cost you an extra 2.5% to 3% in foreign transaction fees, but Scotiabank is the only major bank saving you money on those fees.

Earn rewards now for your dream vacation later

Woman stands on a balcony looking out at mountains
DIANEYang / Twenty20

With the annual fee waived the first year, you can earn hundreds of dollars in points just using your card on everyday purchases.

Because points do not expire, you have time to plan and redeem them when you’re ready to get away.

And, unlike other rewards programs, there’s no cap on the amount you earn in each category.

So, even if you choose to stay in, you can sit back and rack up points on Netflix and food delivery and redeem them later for travel.

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About the Author

Christina Majaski

Christina Majaski

Former Reporter

Christina Majaski has written and edited for a number of popular personal finance publications. Her work has appeared on Yahoo Finance,, and many others. Over the last 11+ years, she has become an expert on credit cards and other financial products.

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