Scotiabank Gold American Express® Card

True, Amex cards aren't accepted quite as often as the other two...but the Scotiabank American Express Gold card makes that quite easy to overlook.

Let's start with the fact that this card allows you to earn 4 reward points on every dollar spent in 4 spending categories, you get 4 points on:

• gas,
• groceries,
• restaurants, and
• entertainment...

...More than any other flexible rewards card. And If these are categories where you do most of your spending, your rewards will add up quickly.

Even better ... as long as you use your card for $750 worth of purchases in the first 3 months, you get a sign up bonus of 15,000 points -- that's worth $150.

You can use your Scotiabank Amex Gold rewards for booking any travel without restrictions. You can easily book your travel through Scotia Rewards Travel Service, plus get help every step of your travels with the included 24/7 Concierge service.

Or, you can book through whatever booking service or travel agent you want, charge it to your card, and then log into the Scotiabank website to pay off the purchase instantly with your points. At the same exact rate.

All this makes it easy to travel when you want, how you want.

What about included insurance benefits? You betcha...

There's 9 different types of travel insurance. And shop worry-free because your purchases are covered with:

• extended warranty,
• purchase protection, and
• price protection.

That's 12 types of insurance in total -- check out the tab above for the complete list.

Another perk is that you get discounts

• airport lounge access,
• hotels,
• car rentals,
• vacation packages,
• cruises, and
• American Express Invites.

To be honest, for a fully flexible travel rewards credit card where you're not locked into flights to get the best value, this card is stacked. No other fully flexible card comes close.