не везде берут, да. надо еще и запасную визу/мс иметь.

4% groceries, gas stations, restaurants, entertainment
1% anywhere else
Travel Emergency Medical Insurance (25 days)
Trip Interruption & Cancellation Insurance ($2,500/person, $10,000/trip when you charge at least 75% of trip expenses to your Scotiabank Gold American Express Card)
$99/year