Scotiabank American Express No Fee Travel Credit Card

Can you help since I used my Amex card for this purchase? Also they charged me 290 for requested seats that Air Canada says they don’t have any request for. You must apply with your personal social safety quantity and U.S. tackle. If you aren’t eligible to receive a social security quantity, you may apply for an Individual Taxpayer Identification Number by the IRS, which can be utilized to apply for credit cards. Yes, as long as you often travel on and spend cash with Delta Airlines. If not, other playing cards provide comparable benefits to the non-Delta particular advantages of the Gold Delta Card.

Government has issued a global “Do Not Travel” warning for some destinations. If you select to travel while this authorities warning is in place to the destinations part of the ban, it will void your travel insurance. It isn’t advisable to travel with out travel insurance in place, and this is even more necessary during a pandemic. It’s comprehensible to be nervous about travelling during a pandemic, and travel insurance is extra essential the place there is a heightened chance your travel could be disrupted or you might become sick.

Last 12 months, Amex shifted focus to the American Express Green Card which revitalized its relevance. We’ve just seen some new changes to the Gold Card, serving to it deliver more worth to the person yet once more.

Only travel policies purchased earlier than 20 Jan 2020 are eligible for claims related to the novel coronavirus outbreak. Click here to find out more about the kinds of claims you are eligible for in case your policy is purchased before 20 Jan 2020. Provides emergency medical travel insurance Canada-wide and internationally, covering up to $5 million in medical bills. Coverage includes air ambulance, emergency hospital stay, remedy from a physician and different medical bills. Compare travel insurance plans to seek out the coverage you want. Providing or acquiring an estimated insurance quote by way of us does not guarantee you may get the insurance.

If you’re uncomfortable with either the boundaries or the surplus of any card’s travel insurance, you might wish to contemplate buying further insurance . Note that almost all insurance insurance policies strictly prohibit any claims where you’ve already claimed the event or item under one other insurance policy — you’ll be able to’t be compensated twice even should you hold two insurance insurance policies. Limits will range relying on the type of insurance and sort of claim. This means eligible claims can cover up to this limit, but is not going to cover amounts past this limit, no matter how much cost you have incurred because of the incident. Issuers like American Express will only cover sure purchases and occasions underneath the included travel insurance if the initial purchases had been made utilizing the cardboard.

It just isn’t an obligation of, deposit in or guaranteed by DBS. Full details of the terms, conditions and exclusions of the insurance are supplied in the policy wordings and shall be sent to you upon acceptance of your application by Chubb. Any psychological and/or nervous disorder, HIV, AIDS or AIDS associated problems, pregnancy, issues of venereal illness or terminal illness aren’t lined.

Similar to buying through a common public sale, tickets gross sales will be ultimate, with no refunds or exchanges being supplied. In select cities, American Express cardmembers have entry to unique presales for a wide variety of occasions. With many concert events and shows selling out inside minutes, access to the presale may make the difference between having fun with the event in-individual and sitting at home in your sofa wishing you have been there. In the case of accidental damage or theft, purchase protection can refund eligible purchases charged to your card.

Compare your choices to get inexpensive cover for what matters. You can access a full vary of insurance policies together with international and home travel insurance, comprehensive or primary cover, and single-trip or annual multi-trip cover.

Simply enter your travel details and press “Get my quote”. You can examine our cruise travel insurance page and enter your travel details into our panel then click on ‘Get quote now’ button to match your choices. On this page, when you click on on Cruise Cover tab under “What can I discover on this web page?

Scotiabank Passport Visa Infinite Card

As you start your travel preparations, pack up with TravellerShield Plus – an affordable travel insurance plan underwritten by Chubb Insurance Singapore Limited. Medical Emergency Assistance — Provides advantages for losses because of coated medical and dental emergencies that happen during your trip.

You don’t need to be a cardholder to carry American Express travel insurance or to profit from its many glorious options. Even if you are a cardholder, likelihood is you’ll want to supplement your included coverage with extra insurance for the greatest coverage and suppleness. If any of your personal objects are by chance damaged or misplaced during your trip overseas, you might be coated for them. Items may include your private luggage, as well as your clothing or any valuables you’re carrying. It may embody electrical tools, computer systems, laptops, cameras and travel paperwork, together with passport, traveller’s cheques, and credit cards.

From a protracted menu of clearly introduced decisions, complete with prices, all choices are clearly outlined. Costs of the Silver bundle are about double that of the Basic package deal. But for the price, you get a lot more bang for your buck. The coverage ranges in every category are considerably higher. For instance, whereas the Basic bundle provides up to $1,000 for Trip Interruption coverage, the Silver bundle provides as much as 100% of the trip cost. Medical coverage is up to 5 times as complete as what’s supplied within the Basic bundle. Given that rates for the Silver package deal can nonetheless be less than $100, that is an especially excessive-worth package deal. is a worldwide independent rental insurance provider that could possibly cover any rental car (automobiles, 4x4s, motorhomes, minibuses, and so on.) from any rental company, anyplace around the world. Our prime decide for rental car insurance for travel is They’re tremendous affordable and simple to buy and claim from – what you see is what you get, so you can sit back and loosen up figuring out that they’ve obtained your again. That’s why when you plan on renting a vehicle, we advise you arm your self with car rental insurance in your travels!

With your Emirates-Citibank Ultima Credit Card get pleasure from your travels with peace of thoughts, no matter where your journey takes you. Just in case, you may also want to know how you can save in your travel insurance. Cost of travel insurance for 18 days cruising around Australia only. Travel insurance is a vital expense for anyone planning a trip overseas, though typically it may be troublesome to seek out cover in case you are over 80 years of age.

This is a brief define of coverage – restrictions apply. That implies that those who guide flights and accommodation individually are often not covered for the indirect losses they will suffer if one a part of the journey goes mistaken. As with all insurance insurance policies, exclusions abound, but within the case of travel accident insurance, exclusions appear much more frequent than with other insurance policies.

10% discount applies to teams of a minimum of 6 persons and 15% low cost applies to a gaggle of eleven to 20. Family Packagecovers you, your partner and/or your legal baby/kids who travel with you on the same single trip. For annual family plan, you and your partner need not travel together but your youngsters beneath sixteen years old must be accompanied by you or your spouse for any trip.

This is typically marketed as ‘complimentary’ insurance. Often it is included within the credit card’s fees or its interest rate. This policy is protected beneath the Policy Owners’ Protection Scheme which is run by the Singapore Deposit Insurance Corporation (“SDIC”). Coverage on your policy is automated and no additional action is required from you. For extra information on the forms of advantages that are lined underneath the scheme as well as the bounds of coverage, where relevant, please contact Chubb or visit the General Insurance Association or SDIC web sites. No, insured individuals who did not add on Pre-Existing Medical Condition Benefit will not be covered in situations which arise on account of pre-existing medical conditions. Please observe that this exclusion will also apply for the remainder of the insured individuals of the policy.

Yes, so long as you aren’t traveling in opposition to the recommendation of a physician. The Premium Global Assist Hotline is a great feature that comes with several Amex cards, though the Amex Platinum card has essentially the most intensive service.

Our comparison software can even help you find a cheap policy. After you add your details and seek for a quote, you will have the choice to type by way of the results by price. By clicking on this button, your policy choices could be sorted from most cost-effective to costliest. Some insurers will offer you a reduction if you maintain a number of insurance policies with the identical provider (e.g. car insurance, home and contents insurance, and so on). You also can take advantage of online discounts to avoid wasting more money. Price based mostly on a 75-12 months-old particular person travelling to Europe for 30 days.

If you used SkyMiles + Sapphire Reserve you’d be lined, but an improve isn’t a part of the bottom ticket. Bob, we don’t — just not as versed with the choices there, that are vastly different from how things work in the U.S. It’d give me an excellent beginning place to check out issues. The coverage on the Sapphire Reserve is global with no nation exceptions. If you contact customer service they’ll send you a letter stating proof of coverage that you can deliver with you. As for a split payment, I doubt it might work as it is a single trip and limits are primarily based on trip. The benefits administrator would answer this question for you — you must name them to substantiate as it is a distinctive scenario.

If you might be within the business of merely saving cash or do not care about lodge elite standing, there are specific instances the place a third-get together web site might provide value. Just remember to at all times shop around for the most effective price and always use an internet purchasing portal to earn additional rewards when you can.

The Delta Platinum card comes with a companion ticket certificate and that has not changed. You failed to mention the Delta Platinum AX card comes with an annual companion ticket good for anywhere in the contiguous 48 states. Some card companies wait three-6 months before posting…not Amex! If you hyperlink it to your delta dining account, you’ll earn even more miles. Although every state of affairs is completely different, approvals have been seen with credit scores as low as 625. Scores of 675 or greater would have a greater likelihood of approval. During the presales, tickets should be bought with your card, not all seats will be out there, and there shall be some blackout dates.

  • Most medical-related coverage offered by Amex travel insurance specifically excludes pre-existing conditions.
  • Depending on which Amex travel credit cards you’ve, utilizing Amex Travel can be advantageous.
  • The card’s creative travel fee reimbursements system can cover you for travel-related costs like airport parking, seat choice, and checked baggage charges.
  • Some insurance providers specialize in providing cover to senior travellers.
  • Explore our travel insurance insurance policies for your next holiday.

This in-depth review highlights some travel insurance companies we have personally used and helps you make an knowledgeable alternative concerning what type of insurance you should cover your specific journey. Ensure you’re coated with emergency medical and quarantine expenses should you contract COVID-19 whereas in your trip. You are required to buy the travel insurance latest by eight Dec 2019 to be able to be covered underneath this part.

And we get that So, if good old public transport or an airline allows you to down because of opposed weather, strikes or industrial action, your coated with AXA, and we’ll even help you continue with your journey. Point being, the more documentation you’ve regarding the gadgets you are traveling with, the higher. It’s not a bad concept to have a date-marked image of all of your stuff earlier than setting off on a trip. Keeping receipts of all the property you are taking traveling is a really good idea – the insurance firm will want to see that you simply really bought the items within the first place before they payout. TheGRAYL GEOPRESSwater bottle is the ONLY all-in-one filter water bottle setup you’ll need.

Travel Insurance Faqs

Please discuss with the Policy Wording for the complete details of the terms, conditions and exclusions of this insurance. To be lined in your pre-existing condition you’ll need to select the Pre-Existing Medical Condition Benefit add-on during software.

American Express, probably the greatest travel insurance companies, provides a stand-alone travel insurance that is nicely revered for it’s easy to grasp coverage and benefits. The company provides a wide variety of plans and the only specialty program they are lacking is student-focused coverage. As with many companies, some American Express travel insurance plans require a medical questionnaire. However, a few travelers report that they find the American Express policies on pre-existing conditions to be confusing. A lot of individuals don’t know however that it additionally provides a travel insurance that can be bought independently. Their travel insurance is out there along side other providers for credit card members.

I would suggest that you simply contact the insurance supplier for this credit card, who’s Allianz Australia Insurance Limited to verify. Hi, I purchased my flight ticket from Emirates by my Westpact Platinum card. Please verify if I am routinely entitle for travel insurance. Are you pertaining to a deposit for your accommodation overseas? If so, yes you could be coated so long as you’ve purchased a return overseas travel ticket and pay as you go a minimum of AUD$500 of your travel prices using the eligible card before going overseas. If you utilize your Westpac Altitude Platinum credit card to pay for gadgets that are lined by the producer’s Australian warranty, you may be able to lengthen that preliminary guarantee interval.

You can usually get this on the airport when the delay or cancellation is introduced, but understand that it may require a supervisor. Each U.S. main airline additionally has a process for requesting this information after the very fact.

If you’re looking for a stable everyday card, the Amex Gold Card wins out again. Earning 4X at restaurants and U.S. supermarkets is an effective way to construct up your Membership Rewards Balance. For travelers who like to stay at a resort, you’ll get extra profit from the Amex Green Card because the lodge bill ought to earn 3X Membership Rewards. If, instead, you like to exit and about and eat at native restaurants, you’ll be incomes 4X Membership Rewards with the Amex Gold Card. That’s an nearly even commerce serving to to make the worth of the Gold Card even better.

Guide to American Express purchase protection –

Guide to American Express purchase protection.

Posted: Thu, 06 Aug 2020 07:00:00 GMT [source]

Expenses for items and providers offered by third events are the duty of the traveler. With more than 25 years of industry expertise, AIG Travel is certainly one of North America’s main travel insurance plan suppliers. AIG focuses on offering progressive travel insurance, assistance and emergency travel service plans for tens of millions of travelers and 1000’s of companies throughout the world. Knowing exactly what is and isn’t covered avoids a nasty surprise when policyholders really need to rely on their cover. Additionally, and considerably extra importantly, much less “critical” medical problems, similar to getting ill abroad and needing hospital treatment for example, would not be lined both.

I usually make that again on the cash I save make withdrawals abroad. The Ritz card also comes with emergency medical/dental as nicely. Agree, Amex do supply a great free cover of travel / medical insurance for the entire family on most cArds they provide. I actually have additionally learn that this cover could be very reliable when actually needed and they go the additional mile however I’m sure Chase offer the identical degree of service.

Travel insurers tend to exclude or cover both pandemics and epidemics. So if you’re reading the terms and conditions, you can scan for both of those phrases to check should you’re lined. Many, but not all, travel insurers cover pandemics or epidemics, so long as you purchased the policy earlier than it grew to become a recognized occasion.

Understand the difference between bank cards and debit cards. This profit doesn’t provide cover for medical expenses (arising from a pre-existing medical condition) incurred in Singapore. It only supplies coverage if the medical bills have been incurred overseas, during your trip. Plus, TravellerShield Plus has been enhanced to offer optionally available coverage for pre-existing medical conditions. Simply add on this profit in your software so you can get pleasure from your holidays one hundred%. Many of the offers that appear on this web site are from companies from which The Points Guy UK receives compensation.

If it can be proven that you have experienced symptoms, they might think about it to be a pre-existing condition. Your insurer may also require you to have your physician sign your assessment form before you submit it and to declare in writing whether or not you’re considered to be match to travel. Depending on your condition, you may be requested a number of simple questions, however questions can get extra detailed. If you do not have access to the Internet, most insurers can conduct medical screening over the telephone as nicely. Insurers impose maximum age limits on their policies, so you’ll must examine the fantastic print to be sure to’re eligible for cover. While some providers set this limit as low as sixty five years of age, others will cover you up to one hundred years and even older. We use cookies for a spread of purposes, allowing us/our companions to reinforce your searching expertise.

The unique guarantee have to be 5 years or much less so as to be coated, and obvious exclusions such as cars or perishable items apply. It could appear odd to think of a vendor not accepting a return, however this is especially useful if you buy a shirt at a concert, or an item whereas traveling abroad that malfunctions shortly before returning home. You’re additionally eligible if you pay with Membership Rewards, or pay a portion with your card and a portion with Membership Rewards.

Did you understand you may be able to double your rewards or earn cash again simply by reserving your travel together with your credit card? Before you e-book your subsequent trip, see if your credit card presents an online shopping portal or rewards mall. You might be able to discover exclusive deals and reductions on airfare, motels, car rentals and cruises.

You should start your travel in the same metropolis you come back to. Also, the length of travel can’t exceed 365 days away from the origin. The Gold package deal actually shines with Trip Interruption and Global Baggage Protection. This is a wonderful selection for anyone who feels snug with the quantity of medical coverage provided on the Silver degree but desires to have extra protection for their trip-of-a-lifetime funding. If you’re heading on safari with awesome new travel gear, this is the package deal for you. Notice that one of the exclusions is “sickness except a results of an damage,” which implies that if you contract COVID-19 whereas traveling it will not thought of a lined loss by Amex’s terms. Read through the fullterms and conditionsto familiarize your self with the policy details and exclusions.

amex travel insurance

Before sixteen October 2020 if the travel adhered to the MOH updates on Border and Community Measures, topic to all policy terms, conditions and exclusions. Travel Delays – Reimburses eligible meals, accommodations, and misplaced prepaid expenses when your trip is delayed for 6 or more consecutive hours for a coated reason. Just as you should be aware of the limits of your insurance, you must also be aware of any excess amounts payable.

If you employ your Westpac Altitude Platinum credit card to pay for the purchase of non-public gadgets, you could be coated in opposition to the unintentional loss, damage or theft of these goods for up to three months. If you’re involved in an accident while driving a rental car during your interstate trip within Australia, and also you’re required to pay an excess on your insurance policy, the excess amount may be coated.

That said, completely different coverage has different necessities. My understanding is that Trip Delay protection would not cover you should you’re personally driving, but rather trip interruption/cancellation could . As for rental protection, you would wish to buy Liability insurance if that was one thing you felt you needed. You could also be covered through your private policy, or an umbrella policy you’ve. The changes have an effect on too many cards to list, however you possibly can catch them all on a devoted web page of the Amex website. Emergency Medical & Dental Benefit – Yes, medical and dental coverage. Up to $2,500 if you need to head to a hospital, clinic, or receive other medical/dental companies while traveling that wouldn’t be already coated by your insurance provider.

Under all insurance coverages or services, sure limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. The Certificates of Insurance and/or Terms and Conditions include full details of all coverages and services supplied by American Bankers Insurance Company of Florida and American Bankers Life Assurance Company of Florida. All insurance claims or request for providers have to be forwarded to the suppliers.

This coverage protects you, however it’ll also embrace coverage on your partner and any dependent youngsters who might be travelling with you all through your trip. It is still worth comparing your travel insurance choices to see what cover is available from completely different suppliers of travel insurance for a number of sclerosis. You may examine suppliers of travel insurance with pre-existing medical conditions.

This is a troublesome question, primarily because the benefits differ so dramatically with each card. You need to do your analysis on their website to drill down into what you get primarily based on the cardboard you have. AMEX offers an AMEX Benefits web page with details on the benefits provided with each card. Another possibility Round Trip Elite Plan, with comparable coverage, will cost $133. For a 35-12 months-old traveler with a trip cost of $2,500, the Platinum Plan will cost $one hundred eighty for a one week trip. Just as the name recommendations, thePlatinumpackage excels in each single stage of coverage. It’s the proper selection for anyone who seeks the broadest quantity of protection, peace of mind, and reassurance.

However, should you’re on the lookout for the best card to earn travel rewards with good travel protections whereas avoiding the higher charges of premium cards, the Amex Green Card is asking your name. American Express provides a few of the best travel rewards playing cards available. As times change, so do cards, and American Express makes sure to maintain their playing cards related for the top person. In 2018, American Express made some huge modifications to the American Express Gold Card making it a great card for the everyday consumer.

This credit card program is issued and administered by the Bank of Nova Scotia beneath license from American Express. Coverage extends for the primary ninety days from the date of purchase, is restricted to the lesser of the repair cost, replacement cost or authentic purchase price, and is in excess of some other insurance coverage.

Bryan was skateboarding in San Francisco when he fell into traffic and hit his head on the pavement. Bystanders rapidly referred to as an ambulance and Bryan was taken to a medical centre.

Please don’t rationalize the AF cost all the way down to $150 because of the $300 travel reimbursement. I even have by no means really used travel insurance on any card but its good peace of mind and probably tremendous valuable in a pinch. Putting most of my travel spend on the Chase Reserve though. You can at all times call the card quantity on the again of your card as nicely and get the advantages of us on the phone to validate your coverage. I’m guessing out of your comment that you are referring to the UK versions of the American Express Gold & Platinum cards. In any case, so as to receive the Platinum travel insurance, your travel must be bought with the Platinum card.

amex travel insurance

Many cards provided by American Express come with great travel insurance advantages. While the more premium playing cards provide extra extensive benefits, even cards like the Amex EveryDay Card give you priceless protection during your travels.

Often known as holiday insurance, travel insurance might help cover the price of any surprising medical bills or damaged private gadgets while you’re abroad. It might even reimburse you if you have to cancel a trip or minimize it short.

The primary benefit for going with Alpha are the low prices and wonderful medical coverage related to their Long-Stay policy. To get an idea of what World Nomads travel insurance will cost you in your subsequent backpacking trip, simply enter your trip details within the table beneath and get a quote within seconds. Each World Nomads insurance policy is customizable for every particular person. You can select the exact dates and nations you want coverage for, and bam, you’re insured! If World Nomads clearly states that one thing isn’t coated beneath a policy you purchased and you try to make an insurance claim on it, don’t be shocked or indignant when your claim is denied. Ultimately, SafetyWing is an option for individuals who travel and need to have cheap medical insurance. It could cover most medical emergencies, even when you should be in your home country, which will provide you with some extra peace of thoughts.

Here are two examples of how American Express travel insurance works, in the United States and Canada. You can add Premium Car Rental Protection toany American Express card.TPGhas aguide of one of the best American Express playing cards, but listed here are a number of the best cards in terms of the return you can receive when renting a car. Note, the estimated return rate for these playing cards is predicated onTPG’s newest valuations. Trip delay provides reimbursement for reasonable additional expenses incurred when your trip is delayed because of a lined hazard for more than 12 hours. $295 4x Membership Rewards on 2 classes where your business spends probably the most (as much as $150,000/year); 1x on all other purchases. Terms apply.Trip Delay InsuranceAmerican Express® Green Card$a hundred and fifty 3x on all travel and at eating places worldwide. Terms apply.Trip Delay InsuranceDelta SkyMiles® Platinum American Express Card$250 3x SkyMiles on eligible Delta purchases; 2x at eating places and U.S. supermarkets.

The coverage is really ancillary and not meant to take the place of a comprehensive travel insurance policy, non-public medical insurance, or life insurance. Also, there isn’t a coverage for sickness or injuries apart from accidental demise or dismemberment.

You will receive a separate certificates of insurance when you select to purchase this coverage. Protect your trip with travel insurance in these unsure instances. If you or your passengers are injured in an accident in the rental car, your every coated for as much as $5,000 in medical expenses. If the cardholder is killed or dismembered in an accident within the rental car, they’re coated for up $200,000. If a passenger is killed or dismembered in an accident within the rental car, they are coated for up to $20,000 every. If you’re a New York state resident, the cap on the max coverage for all covered individuals on one trip is $10,000.

Please learn our website terms of use and privacy policy for extra information about our providers and our strategy to privacy. has entry to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we do not cover every out there services or products. Depending on the model and degree of cover you’ll take, you could or may not get cover for scooter. Similar packages exist for cruises, ski journeys and adventure trips ; however, the last two will most likely have some age limits on them. The hottest alternative of policy for seniors are comprehensive plans.

Both cards embody rental car insurance and baggage insurance. Some credit card suppliers additionally provide insurance for overseas travel.

These guys don’t cover you for baggage, gear, flights, etc. Think of it like cheap travelersmedical insurance and that’s the deal. There is, nevertheless, speak of adding gear coverage as an extra sooner or later. Limited travel insurance perks – you’ll only get slightly little bit of coverage for issues like baggage, catastrophe-aid, and travel delays. Below I break down the highest travel insurance insurance policies, what they cover, how a lot they cost, and every little thing else you have to know to be ready for your subsequent trip. Choosing thebest travel insurance for yourselfis a matter of individual need. Each policy is different and shall be more or less catered to totally different travelers.

Many of the credit card offers that seem on this site are from credit card issuers from which receives compensation. Compensation does not impression the placement of playing cards on Million Mile Secrets apart from in banner advertising. doesn’t include all credit card provides that may be out there to consumers within the market. Our single and multi-trip travel Insurance gives you very good protection every time and wherever you need it most.

And with the BMO Cashback World Elite Mastercard you get free and automatic primary membership within the BMO Roadside Assistance Program. This covers as much as 4 annual service calls in Canada and the United States, and offers you with normal help like boosting your battery, changing a flat tire or gas supply, as well as tows up to 10 kilometres. In addition, this card provides money back to the tune of 1.5% of each greenback spent with out limit. Other travel insurance perks embrace membership in Mastercard Airport Experiences , travel and medical insurance, and concierge service. Your Citibank Credit Card entitles you to Travel Accident Insurance designed to provide you with the comfort, consolation and peace of mind you deserve. Additionally, you are compensated for any travel inconvenience triggered due to delayed or missed flights, and delayed and/or lost luggage, offered that your tickets are bought along with your Citibank Credit Card.

Overall, it’s a nicely-functioning website that is person-friendly. Sometimes, third-party travel websites could be clunky, however the Amex Travel site is simple to use. Find out how we assist small businesses attain their full potential, our communities grow and thrive. Swap two legs for 4 wheels and check out these road trips that can get your motor running. We provide a unbelievable range of optionally available extras that may be added to your policy whenever you get a quote, however they can be added to your policy via your AXA Account everytime you want. That way, you’ll only pay for the quilt you need — nothing more, nothing less.

2X points on dining at eating places including eligible delivery services, takeout and dining out and travel & 1 point per greenback spent on all other purchases. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.