Business Platinum Card from American Express
130,000 MR points
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130,000 MR points
45,000 CIBC Aventura Points†
40,000 Scene+ points
35,000 RBC Avion points†
Uncategorized Oct 23, 2025
Reviews Jun 26, 2025
Deals Jun 18, 2025
Hey Rick! Big fan, thanks for all your hard work!
In here you mention the ability of double-dipping on the $50 lifestyle credit. What exactly do you mean by that, and is that possible on the Infinite Privilege card as well? Curious because that lifestyle credit is $200.
Thanks!
It means you’re able to get a $50 lifestyle credit in 2021 and another in 2022, if you were to sign up now. So if you didn’t want to renew the card beyond the first year, you’d effectively get $100 in credits. The same is true for the Infinite Privilege version, you’d get $400 in credits before you need to pay a second year’s annual fee.
Ricky, would you ever consider writing an article on how to “maximise” the value of the BMO Rewards program, if there was truly a way to find value in it?
I’d consider it, but it’d be a pretty short article:
– Book travel through the BMO Rewards portal or over the phone at 0.71cpp
– If you can’t find any travel you’d like to book, book a car rental that you might change your mind about in the future 😉
Hi Ricky, you did not mention the customer service experience. AMEX is known for superior customer service vs ScotiaBank/ScotiaRewards. Ie: Scotia Amex has great insurance on paper, but call into ScotiaRewards for assistance, and you will get tossed around like a hot potato! Speaking from numerous unfortunate experiences.
Thanks for the article!
1 correction: 2x points for gas with the cobalt
Corrected, thank you!
Ricky, great article. Wanted to touch base on meeting some of the minimum spending requirement techniques. I know you wrote about them earlier such as the Ikea 365 day hold and return trick, do you happen to have the link to that article? I been looking for it and can’t seem to locate it. Thank you.
I don’t think I’ve written about the Ikea thing specifically, though you may be thinking about the refundable hotel trick?
https://princeoftravel.com/blog/all-about-refundable-hotel-trick/
Ricky. This is my first time to comment although I have been following your blog for some time now. I wanted to highlight my experience with the Scotia Amex card when using it abroad. There are no foreign transfer fees as they advertised but you do not get the bonuses. So for say groceries aboard you do not get 5% in Scotia reward points. You just get the 1% regular non bonus reward points on the converted transaction amount. I complained to Scotia and had to go to their head office late in September to complain after the change. I am surprised that all commentators continue to reaffirm the benefit and nobody has corrected this. You should know that when I complained that their advertising is false they did not refute. I therefore would not use this card for any activity overseas. Better to use the Scotia Passport Visa which gives 2% for grocery or HSBC card which gives 1.5 % for all spending, with oth cards also not charging foreign fees. I thought I would let you know on this. Thanks
Thanks for letting me know Shabbir. A few others have mentioned that to me in the past so it seems like a consistent issue, which does indeed take some of the shine away from the Scotia Gold Amex.