 Hello everyone, my name is Amit Dam of Adon Journal. Today, I will talk about the Scotia Bank Gold American Express Credit Card. The Scotia Bank Gold American Express Credit Card is a travel rewards card that lets you earn a Scotia Rewards point for everyday purchases that can be used towards eligible travel costs without any restrictions. The card comes with a $99 annual fee, each additional card costs $29, the minimum annual income required is $12,000. You get 20,000 bonus points if you spend $500 within the first 3 months which is valued at $200 and there is no anniversary bonus. You earn 4 points per dollar at eligible gas, grocery and on dining and entertainment in Canada. For everything else, you earn 1 point. Let's go over with some of the features this card offers. You can book with your travel provider and reading points for your complete trip including taxes and fees. Access to 20% off and complimentary upgrade on hotel booking if available. Low price airfare alert will monitor your itinerary and if your lower price becomes available, the agency of record will automatically change your ticket for the lower price. Access to 24-7 full service travel agency, access to 24-7 concierge services, 35% discount on priority pass annual airport lounge membership and much more. The Scotia Bank Gold American Express Reward Credit Card comes with all insurance benefits you can possibly think of. Emergency medical insurance, travel accident insurance, auto rental insurance, trip cancellation insurance, trip interruption insurance, flight delay insurance, lost and delayed baggage insurance, hotel motor burglary insurance, extended warranty insurance, price protection insurance and purchase security. For a low $99 annual fee, the Scotia Bank Gold American Express Card comes with so many features and benefits that is very hard to complain about this card. For example, if you look at the regular American Express Gold Credit Card which charges $150 annually but it doesn't provide any concierge service or it doesn't provide trip cancellation insurance. The only thing I can complain about the Scotia Bank Gold American Express Credit Card is that although it is a travel reverse card, it doesn't provide 4 points on travel purchases. For example, it provides only one point on travel expenses. Another thing you need to keep in mind is that Scotia Bank American Express Gold is an American Express blended credit card that means it will only work on American Express Network and you might be limited to use your credit card everywhere else like Visa and MasterCard. Finally, a point worth mentioning is that the insurance services provided by American Bankers Insurance Company Florida and like Alliance Global Insurance which provides travel insurance for many Canadian travel viewers credit cards, for example, BMO World Elite MasterCard. If you search online, there are numerous complaints and bad reviews about these insurance companies. So all these benefits would look good on paper but what good would it be if you're having hard time or unable to process your claims. I'm much more comfortable dealing with insurance companies like TD, RBC, American Express and so on. So before picking any travel viewers credit card, make your call. As of this writing, I do not hold this card. That's all for today. Thank you.