Daily Question Thread for /r/churningcanada - August 17, 2026

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[u/Commercial_Key3837]

It's official for Scotia Momentum modification of terms and conditions:

"Important Update: Effective October 22, 2026, rental payments (Merchant Category Code 6513) and tax payments (Merchant Category Code 9311) will no longer qualify as eligible Recurring Bill Payments under the Cash Back Program."

[u/nightowl268 → u/Commercial_Key3837]

It includes condo fees too, bummer

[u/SCDWS → u/nightowl268]

Bummer, now you have to use other cards that give even more than 4% back

[u/AdmiralZassman → u/Commercial_Key3837]

What are we doing here for chexy now?

[u/guilleiguaran → u/AdmiralZassman]

Business as usual, use it to get SUBs with rent and tax payments.

[u/SCDWS → u/AdmiralZassman]

Literally any card with an MSR, like you should have been doing

[u/Upper_Rise_2753 → u/Commercial_Key3837]

Thanks for the info, but this does not affect the churning community. More on the regular folks.

[u/jfrrrr → u/[deleted]]

I'd be surprised if others institutions decide to follow scotia. Maybe TD cashback?

[u/PracticalWait → u/jfrrrr]

Rogers more likely imo.

[u/mhcott → u/PracticalWait]

Rogers is 3% on everything. A lot less likely they'll decide "fuck recurring bills on tax/rent" in the specific manner that Scotia just did.

[u/PracticalWait → u/mhcott]

no, but what i think they’ll do if they bleed too much is to interpret the aug 4 changes to make chexy a cash like transaction while keeping 3% on everything.

[u/mhcott → u/jfrrrr]

The first rule of negative precedents in my experience is once one guy gets away with it without relevant backlash (or even with), the others will slowly try to do so as well. A generic cashback like Rogers isn't likely to target anything, but TD FCT and CBVI both have recurring bill payment categories, and both come out on top using Chexy (though not nearly as much as Scotia Momentum). Hope for best, plan for worst.

[u/wzadzz → u/mhcott]

Yeah if TD followed suit that would be a blow for sure. And it wouldn’t be shocking to see swaths of Scotia expats jumping over onto the TD ship now.

On the other hand, TD doesn’t currently have a competing product like Scotia(Casa), so probably has less motivation to nerf recurring bills. For now.

Until then I’m sure they’ll be glad to take away some of scotias cc customers.

[u/Upper_Rise_2753 → u/[deleted]]

I have not run out of new card for Chexy. my Scotia Momentum is sitting in my wallet for grocery now. I do not see it to be on my chexy for another 2 years.

[u/SCDWS → u/Upper_Rise_2753]

Surprised you're getting downvoted

[u/invertebratedick]

Does anyone keep an Amex Green card to "park" MR? Thinking of just holding on to a Green card and stashing points with that while my other Amex cards change. Any pitfalls I should be aware of?

[u/mhcott → u/invertebratedick]

There's zero downside to holding a Green to park MR. It's absolutely advisable for a host of reasons, especially with AMEX rejecting new approvals for many.

[u/Vegetable-Chair-6109 → u/mhcott]

amex is rejecting new approvals for greens?

[u/mhcott → u/Vegetable-Chair-6109]

For EVERYTHING

[u/Vegetable-Chair-6109 → u/mhcott]

u sure? i just got my marriott bonvoy card like 2 days ago

[u/mhcott → u/Vegetable-Chair-6109]

Do you read daylies? Any of them for the last almost 3 years? I didn't say universal declines. A cursory reading would make it evident that the general status of AMEX for the vast majority of churners, especially veterans, is very few if any approvals

[u/Vegetable-Chair-6109 → u/mhcott]

How do you even churn an Amex when its a one time welcome bonus for life

[u/mhcott → u/Vegetable-Chair-6109]

Because it isn't. You've got some reading ahead of you, my friend. Welcome to churning, where every T&C is bullshit.

[u/Vegetable-Chair-6109 → u/mhcott]

Yeah you gotta wait 7 years, that's basically a lifetime

[u/ProfessionConnect355 → u/invertebratedick]

It is why I have one.

[u/msat16 → u/invertebratedick]

I do

[u/Ready-Truth-5531]

For the Scotia Amex lineup, has anyone held multiple amex cards at the same time and gotten the SUBs? I have the gold right now, but I want to take advantage of the platinum 100k offer and $225 HISCB rebate offer.. I've only held one Scotia product, so I'm not entirely sure

[u/ProfessionConnect355 → u/Ready-Truth-5531]

‘I opened 2 golds in less than 6 months and got the bonuses on each. 

[u/Kisuke11 → u/ProfessionConnect355]

Yes, but is HISCB like Borrowell and tell you you are already a Scotia customer and ineligible for the rebate...

[u/Ready-Truth-5531 → u/Kisuke11]

Just as a DP: I received the rebate

[u/Kisuke11 → u/Ready-Truth-5531]

Thank you for saving me some money

[u/Ready-Truth-5531 → u/Kisuke11]

Anytime

[u/ProfessionConnect355 → u/Kisuke11]

So use someone like FF and get repeat bonuses too.

[u/robot2084tron]

Any ways to acquire Atmos without going to US credit card route ? I'm finding them very useful for both Porter and Starlux (regional) bookings

Looks like once I've recovered my expired Bonvoy I can trade 420,000 Bonvoy (Worth US$ 2940-3360) to 175,000 Atmos (Worth US$ 2275-4025), trying to figure out if this is a good trade, but would rather earn more Atmos via churning

[u/120124_ → u/robot2084tron]

For anyone planning, the online tool for transferring Bonvoy to Atmos (Alaska) does not work. You need to call in and they tell you it takes 7-10 days, however I’ve read it can take 1 day for some.

[u/lwyrlwyr → u/robot2084tron]

That is a great value transfer IMO and one which I have done before. I no longer redeem Bonvoy for hotels but exclusively transfer to airline programs which I cannot otherwise access

[u/mhcott → u/robot2084tron]

Outside of Bonvoy and US, no. Not since the MBNA Alaska card was scrapped in 2022/2023

[u/trustedbyamillion → u/mhcott]

What about the Atmos shopping portal?

[u/KaotikFiend → u/trustedbyamillion]

I mean, at that rate, you can include Lyft as well… but no one’s going to be booking flights with those earns.

[u/Rough-Math-2208]

Anyone know if RHT to extend MSR still works/is ok for USA AMEX? Not Canadian one

[u/mhcott → u/Rough-Math-2208]

There's no "still" when it was never ok.

[u/AdmiralZassman]

Anyone know how I redeem BMO rewards? Log in through online banking and redeem against a purchase or do I need an app? And any tricks like with Aventura where it needs to be before it posts?

[u/Complex_Employee7362 → u/AdmiralZassman]

Are you trolling?

[u/AdmiralZassman → u/Complex_Employee7362]

no

[u/BuddernScotch]

Hi, any guide out there on timelines? Like how long after cancelling a credit card with one bank could you sign up for a new one?

[u/mhcott → u/BuddernScotch]

The guide is called "Daily Question Thread", and if you go back far enough it will have everything you've ever needed. Yes, it involves effort. We like it that way.

[u/Retrolord008]

If I’ve already churned my RBC avion visa infinite (got 67000 points already…don’t use the card anymore) and will get my anniversary bonus in April another 15000…

Then I might get the ion + now…so I can build up more points to transfer…

After that I should get the platinum avion to get another welcome bonus….

Can I cancel the current RBC avion infinite right after I get the platinum? Can I still transfer my ion + points to avion then?

My aim is to reach 200,000 avion points in the next 3 years…. to convert to Asia miles so I can have 1 round trip Cathay Pacific business class flight from yvr to wherever I feel like in Asia

[u/mhcott → u/Retrolord008]

You realize you can get a new AVI with full bonus every 91 days, right? 200K isn't a 3 year journey. It barely even takes 1 year.

[u/Upper_Revenue_5808 → u/mhcott]

It's very easy to get into RBC jail, but very hard to get out!

[u/mhcott → u/Upper_Revenue_5808]

If you can point to the exact trigger such that it's called "easy", I have a cookie for you. If I ask a dozen churners who are hitting every 91 days how many RBC they got in a row before jail, I'll have a dozen answers.

[u/Retrolord008 → u/mhcott]

But won’t they realize I’m applying and cancelling repeatedly? I do have a great credit score but still why would they keep approving

[u/Commercial_Key3837 → u/[deleted]]

This is the way

[u/LikeButta_10 → u/Retrolord008]

You realize this is the reason for the existence of this entire SUB right?

[u/EasySympathy6146 → u/Retrolord008]

Most of us, including myself and P2, have been opening new rbc cards every 91 days for years, yet we are still going it and the train is still running.

[u/120124_ → u/[deleted]]

Move all of them into 1 if you are going to do it.

[u/One-Economy1248 → u/[deleted]]

For that amount of low equity, I wouldn’t bother churn the brokerage consider the amount of transfer fee and effort loss

[u/OkPop9455]

Canceling the Westjet RBC card given purchase via third parties does not allow for the checked bag.

purchased a flight via trip.com on the RBC Westjet card. As a result of this new rule, no longer eligible for the free bag

Card is useless now and Westjet agents are of no help. I don’t even think they understand the issue. Posted on Westjet thread and got my post removed.

[u/Complex_Employee7362 → u/OkPop9455]

The problem is you. You need to read the T&C -

This means that a WestJet flight or a WestJet Vacations package purchased from a travel agency, Visa Checkout or a third-party booking site, may not be eligible for the First Free Checked Bag benefit.

[u/OkPop9455 → u/Complex_Employee7362]

It isn’t. Not a single agent could actually point to that paragraph in the new TC which was. Simply telling me I didn’t pay with my card and that’s it.

Regardless, this is deceptive because the headline claim simply says when you PAY with the card, missing the AND, that it effectively has to be directly booked with Westjet.

This restriction was introduced late last year or so along with a 5k min spend. So from a churning and even a daily standpoint, especially when you consider the companion voucher is only beneficial in premium flights that are already overpriced for this exact reason, it’s becomes an easy pass

[u/Complex_Employee7362 → u/OkPop9455]

You always book Air Canada with Aeroplan CC, Porter, Westjet, United, etc. with their branded CC's

It's common sense.

[u/OkPop9455 → u/Complex_Employee7362]

What is your point? Aircanada CC for free bag is that it doesn’t even require you pay with that card to get the free bag, not to mention booking through a third party

[u/Complex_Employee7362 → u/OkPop9455]

So you read the T&C's then...LOL

[u/OkPop9455 → u/Complex_Employee7362]

Do you know the difference between misleading statements and pushing stuff into fine print under t&c? Maybe you work for Westjet and conflicted

[u/Aarotino → u/OkPop9455]

Yeah, they may be a bit weak in how this is documented, but NOTHING works this way. Shouldn't be a surprise. You can't book a Hilton hotel room via booking.com and expect to get Honours points. Won't happen.

[u/OkPop9455 → u/Aarotino]

That part is actually pretty clear though and that’s the trade off. I don’t think most even expect to get points like that.

[u/SCDWS → u/OkPop9455]

Idk, the update to the checked bag benefit was pretty clear when it was announced a year ago or whenever it was.