+1F1ash wrote: ↑Oct 25th, 2017 5:17 pmI've had this card for 4 years, and it's by far the best credit card in terms of return. Basically after the FYF, it's $99 per year + $29 for an additional user. Therefore, you just need to spend $3,200 per year to break even on this card on gas (every gas station takes AMEX), restaurants and coffee shops (as long as you aren't going to a small hole in the wall restaurant they will likely accept AMEX), movies/concerts/sporting event purchases, and grocery stores (obviously will not work with Superstore or Costco). I easily surpass this amount, and the insurance, and AMEX first in line Ticketmaster purchases, make this card a no-brainer. I use this along with my TD First Class (for all other purchases), and PC Financial Mastercard (for all purchases at Superstore) to maximize return.
For anyone that says this card is not great, it's because they aren't utilizing it correctly (no point putting any non 4X rewards purchases on this), or they don't spend >$3,200 per year on the card.
I've also had this card since 2013, and it is the best for the exact same reasons. I recently got the Amex Cobalt, and testing it out vs the Scotia Amex. The major difference would be Cobalt is 5x but only on food whereas Scotia Amex is 4x on the same criteria, but also entertainment (trying to see if Cobalt 5x is coded for entertainment as well)
I also got the referral email for the 35k + first year free. No card on the market can touch this promo, not even the Cobalt.