 He's traveled Great Card, Scotia Bank Gold, American Express, now a cashback Great Card as well. Hello everyone, this is financial author Amit Don of Adon Journal. Today I'll talk about some recent changes Scotia Bank made towards its Scotia Bank Gold, American Express Great Card. Scotia Bank Gold, American Express Great Card is known for its mega proprietary points offered on selected categories beating any other Canadian cards. For example, 4 points per every dollar spent on eligible gas, grocery, dining and entertainment purchases in Canada. You can read my full review mentioned in the link below. However, a recent change made on Scotia Rewards Program starting November 2006 makes Scotia Bank Gold, American Express Great Card a cashback Great Card as well. In the past, Scotia Bank Gold, American Express Great Card members were only allowed to redeem points for travel purchases as it's a travel Rewards Great Card. But to make the use of this card more flexible and attractive, Scotia Bank is now allowing it to redeem points for statement credit on any purchases. This change of feature makes this card basically a travel Great Card that works as a cashback Great Card as well. However, this change puts Scotia Bank Gold, American Express Great Card in direct competition with Scotia's own cashback Great Card, the Scotia Momentum Visa Infinite Card which offers 4 points on gas and grocery and 2 points on pharmacy and recurring bills and 1 points on everything else. You can read my review on the Scotia Momentum Visa Infinite Card on eranjournal.com if you need to decide which one to choose. There's another travel Great Card, the MBNA World Elite Rewards Mastercard which offers a flat 2% per dollar on all spending and allows it to redeem points for cashback as well. I consider this change by Scotia Bank which is to redeem cashback for points on all purchases or on all statement transactions as a positive change as it provides greater flexibility for its customers. That's all for today. Thank you.