Authorized User and minimum spend?
 

If I add an authorized user as soon as a card is activated, does that person's spending contribute toward the minimum spend requirement? Does it matter which AmEx card?

Yes but the authorized user must first get the card, no?

Agreed, but you have three month's to make the spend, and I would imagine the card would reach the user in two weeks or less.

The answer to your question above is still yes as the charges by an authorized user are covered by you and these are posted to your account. Get her spending.

Yes, the authorized user's supplementary card will add up and contribute to the minimum spending requirement of your primary Amex card. So, when you added an AU for your Business Platinum card, it will contribute towards your Biz Plat's minimum spending. If you open a Personal Gold MR card, then you will have to add an AU for the Gold card, and again, spending on THIS supplementary card contributes to the spending of your Personal Gold card.

Amex supplementary cards are NOT free for the Plat and Biz Plat MR cards, in case you're not aware. They do have a fee. But for the Gold and Biz Gold cards, they are free or at least FYF. :)

New TD terms for AI bank plan
 

Forgive me if this has been reported before. Just logged in to my TD account and received an invitation to apply for their AI chequing account. I notice that the AVI is no longer listed as one of the cards eligible to have the AF waived. Terms now say:
"Subject to credit approval. Annual Fee waiver applies only for the Primary Cardholder of one of the following new (to you) TD Credit Cards – TD First Class Travel Visa Infinite Card, TD Platinum Travel Visa Card or TD Gold Elite Visa Card – and one Authorized User for the same account for as long as
the All-Inclusive Account remains open and in good standing. All other fees and charges applicable to the selected and approved TD Credit Card Account continue to apply".

I wonder if there are old terms that the web team forgot to update. Aeroplan visa still listed on the main page, and no changes when logging in on mobile or desktop

It has been really quiet, I think Canada has been 2-3 years not getting any new travel credit card:mad:, instead we're losing IHG/Delta .......

How long it take for RBC points convert to Esso?

No surprise once the merchant fees were cut a few years back.

Good point.

So, I applied for the Scotiabank Gold Amex.
I got an email from Scotiabank saying the card was sent to my nearest branch, and I must make an appointment :rolleyes: to pick it up.
Not sure if this will be a 3-minute procedure or an all-out sales pitch for every imaginable Scotiabank product.

http://www.scotiabank.com/ca/en/imag.../gold-amex.jpg
Crummy news for me (since I applied for it last month)...
Good news for anyone else...

The welcome offer for the Scotiabank American Express Gold Card has gone up from 20,000 welcome points ($200 in travel) to 25,000 welcome points ($250 in travel).

• $250 in travel (increased from $200).
• 4% on gas, groceries, entertainment spend.
• First year free.
• Very low household income requirement to qualify.

I think this is a great deal.

I've read Scotiabank is a pull from Equifax and, Transunion. Is this accurate?

This card isn't listed on GCR for sign up cash back, is there any other channel for application that gives a bonus return?

Call the cc company
 

If you call them and let them know the offer you received, they've matched it for me! Good luck!