r/churningcanada

Welcome to r/churningcanada. Use this thread to ask questions about credit card and bank account churning, in addition any other questions you might have about getting and redeeming points.

Please read the rules listed on the sidebar prior to participating in this thread.

Looking for a list of the best credit card offers, click here.

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Questions outside of this thread will be deleted alongside all comments.

Welcome to /r/churningcanada. Use this to thread to share any and all data points related to churning bank or card bonuses. This can include things like successful or unsuccessful applications, negotiated bonuses, bonus point posting times, conversations with customer service, etc.

Welcome to r/churningcanada. Use this thread to ask questions about credit card and bank account churning, in addition any other questions you might have about getting and redeeming points.

Please read the rules listed on the sidebar prior to participating in this thread.

Looking for a list of the best credit card offers, click here.

Not happy with Reddit's search function, try this.

Questions outside of this thread will be deleted alongside all comments.

Welcome to /r/churningcanada. This thread is to discuss anything related to churning of US cards for Canadians. Feel free to post current sign-up offers, ITIN application advice, data points on global transfers, and similarly related content.

Please note that this is **not** a place for referral solicitations or links, which should be limited to the Monthly US Referral Links thread.

Welcome to r/churningcanada. Use this thread to ask questions about credit card and bank account churning, in addition any other questions you might have about getting and redeeming points.

Please read the rules listed on the sidebar prior to participating in this thread.

Looking for a list of the best credit card offers, click here.

Not happy with Reddit's search function, try this.

Questions outside of this thread will be deleted alongside all comments.

Scotiabank currently has what seems like a pretty crazy offer running from July 3 to October 29, 2026.
You can get $700 for opening a Preferred or Ultimate chequing account and completing some pretty normal banking requirements:
(Set up an eligible recurring direct deposit for at least 6 consecutive months)

Then you can get another $200 for opening their Savings Account, which has no monthly fee, and enrolling in one of their Smart Savings Tools for 90 consecutive days.
So that’s $900 total without even needing to open a credit card.

The Preferred chequing account costs $16.95/month unless you keep $4,000 in it. Personally, I don’t really want to park $4,000 in a chequing account because I’d rather use that money for investing, maxing registered accounts, paying down debt, etc.
But even if you just pay the monthly fee while waiting for the bonuses:
$16.95 × 10 months = $169.50
$900 − $169.50 = $730.50 net
So you’re potentially making around $730 net just for moving your payroll over, paying a bill, opening a free savings account, and keeping everything open until the bonuses are deposited (9 months)

Even without having $4,000 sitting around to waive the monthly fee, this still seems like an incredible deal.
Why isn’t everyone eligible for this jumping on it?

Edit: why are people downvoting this? I thought sharing nice new offers was the point of this Reddit? I wanted to help :(

https://www.scotiabank.com/ca/en/personal/bank-accounts/chequing-accounts/package-features.html#Chequing

Welcome to r/churningcanada. Use this thread to ask questions about credit card and bank account churning, in addition any other questions you might have about getting and redeeming points.

Please read the rules listed on the sidebar prior to participating in this thread.

Looking for a list of the best credit card offers, click here.

Not happy with Reddit's search function, try this.

Questions outside of this thread will be deleted alongside all comments.

Welcome to r/churningcanada. Use this thread to ask questions about credit card and bank account churning, in addition any other questions you might have about getting and redeeming points.

Please read the rules listed on the sidebar prior to participating in this thread.

Looking for a list of the best credit card offers, click here.

Not happy with Reddit's search function, try this.

Questions outside of this thread will be deleted alongside all comments.

Welcome to r/churningcanada. Use this thread to ask questions about credit card and bank account churning, in addition any other questions you might have about getting and redeeming points.

Please read the rules listed on the sidebar prior to participating in this thread.

Looking for a list of the best credit card offers, click here.

Not happy with Reddit's search function, try this.

Questions outside of this thread will be deleted alongside all comments.

This is your place to vent about the points and miles game.

Did you screw up getting a bonus?

The blogger you love to hate talked publicly about your favourite churning loophole?

Let all your frustrations go here in this thread!

Welcome to r/churningcanada. Use this thread to ask questions about credit card and bank account churning, in addition any other questions you might have about getting and redeeming points.

Please read the rules listed on the sidebar prior to participating in this thread.

Looking for a list of the best credit card offers, click here.

Not happy with Reddit's search function, try this.

Questions outside of this thread will be deleted alongside all comments.

Welcome to r/churningcanada. Use this thread to ask questions about credit card and bank account churning, in addition any other questions you might have about getting and redeeming points.

Please read the rules listed on the sidebar prior to participating in this thread.

Looking for a list of the best credit card offers, click here.

Not happy with Reddit's search function, try this.

Questions outside of this thread will be deleted alongside all comments.

Welcome to r/churningcanada. Use this to thread to share your victories in churning. Could be something new you learned, an awesome award you booked or something unexpected that happened.

Welcome to /r/churningcanada. This thread is to discuss anything related to churning of US cards for Canadians. Feel free to post current sign-up offers, ITIN application advice, data points on global transfers, and similarly related content.

Please note that this is **not** a place for referral solicitations or links, which should be limited to the Monthly US Referral Links thread.

Welcome to r/churningcanada. Use this thread to ask questions about credit card and bank account churning, in addition any other questions you might have about getting and redeeming points.

Please read the rules listed on the sidebar prior to participating in this thread.

Looking for a list of the best credit card offers, click here.

Not happy with Reddit's search function, try this.

Questions outside of this thread will be deleted alongside all comments.

Welcome to r/churningcanada. Use this thread to ask questions about credit card and bank account churning, in addition any other questions you might have about getting and redeeming points.

Please read the rules listed on the sidebar prior to participating in this thread.

Looking for a list of the best credit card offers, click here.

Not happy with Reddit's search function, try this.

Questions outside of this thread will be deleted alongside all comments.

Welcome to /r/churningcanada. Use this to thread to share any and all data points related to churning bank or card bonuses. This can include things like successful or unsuccessful applications, negotiated bonuses, bonus point posting times, conversations with customer service, etc.

Welcome to r/churningcanada. Use this thread to ask questions about credit card and bank account churning, in addition any other questions you might have about getting and redeeming points.

Please read the rules listed on the sidebar prior to participating in this thread.

Looking for a list of the best credit card offers, click here.

Not happy with Reddit's search function, try this.

Questions outside of this thread will be deleted alongside all comments.

Welcome to r/churningcanada. Use this thread to ask questions about credit card and bank account churning, in addition any other questions you might have about getting and redeeming points.

Please read the rules listed on the sidebar prior to participating in this thread.

Looking for a list of the best credit card offers, click here.

Not happy with Reddit's search function, try this.

Questions outside of this thread will be deleted alongside all comments.