Hey fellow Rewards Canada Readers. I’ve always been intrigued by rewards credit cards, as well as travel and other loyalty programs. We’re a family of four, with two young kids, I’d say with an average family income. We love to travel and take our kids on experiences as often as we can as I think family vacations can be very educational. Normally we’ll do a few weekend road trips per year, a week or two summer vacation, and then a winter tropical vacation every two years, for a couple weeks.
We have used several different rewards travel credit cards for our travels, but out of all of them the card that brings us the biggest value is the Scotiabank Gold American Express Card. This card is our main card when it comes to gas, groceries, dinning, and entertainment as it gives you a 4% return on those purchases. All other purchases result in a 1% return, therefore we use a secondary travel credit card for those purchases. (Editors note: Jeff still has a grandfathered Capital One Aspire World Elite Mastercard earning 2% on those purchases)
Over $1,200 in travel earned in 12 months |
Another way we maximize our 4% entertainment return is with our Winnipeg Jets Season tickets. Last year with our regular season payment, we earned $278 in travel, simply with that one purchase. Plus, keep in mind playoff ticket purchases simply add onto that number as well. We are a sports family, whether that’s the Jets in the winter time, or the Winnipeg Goldeyes, or Winnipeg Blue Bombers in the summer time, those tickets all bring us a 4% return. Like going to concerts? Yup, that’s another 4% return.
Jeff and his wife at a Jets game - paid for with the Scotiabank Gold Amex Card! |
In the approximately 25 months since having this card…again with only modest spending habits, we are averaging almost $100 a month in travel. Combine this with a modest annual fee of $99 for your first card, and $29 for supplemental cards, it’s a great value. The added benefit of how flexible this card is, you can book your travel as you see fit, charge it on your card, and then use your points for a statement credit. You’ll receive a slight discount on your travel too, as you’ll earn 1% back for your travel purchase.
Oh and if you do decide to travel, and fly with WestJet, if you book your flight through the Scotia Rewards website, you can receive up to a 5% discount of your base fares. This is a nice perk which isn’t typically discussed as one of the card perks.
How about you? Do you have the Scotiabank Gold American Express Card? How do you maximize your points earning from the card? Tell us in the comments section below!
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