In This Issue: 

​​💳 Changes Coming to British Airways’ Loyalty Program in 2025 ✈️

🚀 Earn 80,000 Points with the Scotiabank Platinum American Express Card!

🗺️ Chexy Deals: New York, Milan and New Delhi (Business Class)

🤑 Pay Your Bills with Chexy Wallet

Reminder: We have launched Chexy Wallet for all active rent payment users. Think bills like tuition, insurance, health memberships, gym fees, parking, babysitters, car Leases, phone bills – basically, all those bills you wish could earn you rewards. 🏠📲

With the first version of our Chexy Wallet, managing your household expenses just got easier (and smarter). We’ve seen some of you sneak in early and start using it already – we see you. 👀

How to Get Started:

1. Log In & Add Subscriptions: Head to your Chexy Dashboard and add your recurring bills.

2. Enter Subscription Info: Fill in the payee details, amounts, and due dates.

3. We Handle the Rest: We’ll charge your card and take care of the payments automatically.

Simplify your life and turn those boring bills into sweet, sweet rewards. Check out more details here!

🚀 We’re Hiring!

At Chexy, we believe in creating opportunities for our community 💙. We love hiring from our audience because who better to join our team than the people who understand our mission best?

If you’re passionate, driven, and want to be part of a team that’s making a difference, we’d love to hear from you!

Explore our open roles and apply today: chexy.applytojobs.ca 🧑‍💻✨

Changes Coming to British Airways’ Loyalty Program in 2025 ✈️

Heads up, British Airways fans! Major changes are landing in the airline’s loyalty program starting April 1, 2025. The British Airways Executive Club is getting a facelift and a name change—it’ll now be called The British Airways Club. Along with the rebrand, new rules for earning Tier Points are coming, and they might just shake up how you approach elite status. Let’s break it down! 🛫

💷 How It Worked Before

Under the current Executive Club, Tier Points are based on distance flown and fare class. A long-haul flight in business or first class could net you a ton of points, making it easier to climb the status ladder. Partner flights were also a great way to earn Tier Points, with many savvy travelers using airlines like Qatar Airways or American Airlines to boost their status while keeping costs manageable.

Elite status thresholds were much lower:

• Bronze: 300 Tier Points

• Silver: 600 Tier Points

• Gold: 1,500 Tier Points

For years, this system rewarded travelers who planned strategically. But that’s all changing. 📉

💷 How You’ll Earn Tier Points Now

British Airways is switching things up with a spend-based system. Starting April 1, 2025, you’ll earn 1 Tier Point per £1 spent on:

• Base fares

• BA-imposed surcharges

• Extras like seat selection and baggage fees

• BA Holidays packages (earn Tier Points on the full package cost!)

If you love flying with partner airlines, Tier Points will still be distance-based, but the amount earned will depend on your fare class percentage. For instance, the cheapest tickets may earn as little as 2% of the distance flown. 😢

🎯 New Tier Status Requirements

The thresholds for achieving elite status are going up:

• Bronze: 3,500 Tier Points (up from 300)

• Silver: 7,500 Tier Points (up from 600)

• Gold: 20,000 Tier Points (up from 1,500)

• Gold Guest List: 65,000 Tier Points (with 80% from BA flights/packages)

Earning elite status will take more effort—and more spending.

🎁 Perks and New Earning Opportunities

Not all the changes are bad news! British Airways is introducing more ways to earn Tier Points:

• Contributions to Sustainable Aviation Fuel (SAF) will earn 1 Tier Point and 10 Avios per £1 spent 🌱

• Spending on BA Holidays packages will earn Tier Points at a ratio of 1 Tier Point per £10 spent, split among travelers in the booking

Plus, new milestone rewards include bonus Avios (e.g., gifts of 2,500, 4,000, and 5,000 Avios) to make the journey to elite status a little sweeter.

📢 Who Does This Affect?

Frequent fliers chasing elite status—especially Canadians aiming for Gold or higher—will feel the pinch. If you’ve been relying on partner flights or cheap fares to climb the ranks, the new spend-based system could mean more out-of-pocket costs.

But if you’re a casual traveller focused on redeeming Avios for free flights, these changes might not matter much. You’ll still rack up Avios just as you always have.

❓ Why Should You Care?

1. Value Shift: The focus is now on spending, not distance. If you’re used to hacking status with long flights, it’s time to rethink your strategy.

2. New Opportunities: BA Holidays packages and SAF contributions are now rewarding—you can earn while traveling and doing good for the planet. 🌍

3. Bigger Commitment: Achieving elite perks like lounge access or bonus Avios will require more spending or more frequent flying.

😡 Many Are Not Happy

The switch to a revenue-based system has hardcore BA sounding off on Reddit. Gone are the days of racking up Tier Points by flying long-haul on a budget. Now, it’s all about spending big 💸, and some travellers are side-eyeing BA like, “Who asked for this?”

For savvy jet-setters who played the points game like pros, these changes feel like an expensive buzzkill.

Curious about the drama? Check out the BA Reddit page for more angry travellers, where their going and more.

Final Thoughts

The new British Airways Club is shaking up the loyalty landscape. While it offers more flexibility in earning Tier Points, the steeper thresholds could make it harder to achieve elite status but maybe that’s the goal with this new change.

If you’re loyal to British Airways, this is your chance to rethink your travel strategy. Booking BA Holidays or contributing to SAF could be key to maximizing your rewards. 

Learn more here.

🤑 Biggest Scene+ Bonus Ever: Earn 80,000 Points with the Scotiabank Platinum American Express Card!

The Scotiabank Platinum American Express Card just dropped its biggest-ever Scene+ bonus, and it’s a game-changer. For a limited time, you can get up to 80,000 Scene+ points, which equals a cool $800 in value. Whether you’re a traveler, foodie, or movie buff, this card is bringing big rewards to the table.

Let’s break it all down.

💰 The Bonus: Up to 80,000 Scene+ Points

This bonus is designed to reward both quick starters and long-term spenders:

• 60,000 points when you spend $3,000 in the first 3 months.

• 20,000 points when you spend $10,000 in your first 14 months.

That’s $800 in value just for meeting the spending requirements!

Note: The second bonus isn’t tied to an anniversary date. Spend $10,000 early, and you could see all 80,000 points in your account within weeks.

Reaching the Scotiabank Platinum Amex Welcome Bonus with Chexy

If your rent is around the Canadian average of $2,200, let Chexy help you to quickly hit the 80,000 Scene+ points welcome bonus on the Scotiabank Platinum American Express Card.

By using Chexy to pay your rent, you can charge your card for the full amount plus a 1.75% service fee, earning 2 points per dollar spent on every transaction.

Here’s the math: at $2,200 monthly rent, Chexy adds a 1.75% ($38.50) fee, bringing your total monthly charge to $2,238.50. Multiply that by the 2x points earn rate, and you’ll rack up approximately 4,477 Scene+ points per month.

Within 4 months, you’ll not only hit the $10,000 spend threshold but also come out with all 80,000 bonus points. 🤭

With this strategy, you’re using rent payments you’re already making to unlock travel perks, all while enjoying the card’s other benefits like no foreign transaction fees and airport lounge access. It’s a smart, simple way to maximize your rewards with minimal effort. ✨💼

Note: You can also pay bills with Chexy allowing you to reach this sign up bonus even faster. Click here to learn about paying bills with Chexy.

🎯 Why This Card Stands Out

The Scotiabank Platinum American Express Card is a powerhouse for anyone who spends big or frequently travels. It’s packed with perks, including:

• No Foreign Transaction Fees: Save 2.5% on purchases made in other currencies, whether abroad or online.

• 10 Airport Lounge Visits: Relax in style with complimentary Priority Pass access to over 1,300 lounges worldwide.

• 2x Points on Every Dollar: Earn double Scene+ points on all eligible purchases, with no spending caps.

This card is often overlooked, but it punches well above its weight, making it a serious contender for premium rewards seekers (travel booking excluded 😆).

🍿 How to Redeem Scene+ Points

Scene+ points are incredibly versatile, letting you redeem for:

• Travel: Book through Scene+ Travel or apply points to travel purchases made anywhere.

• Groceries: Redeem points at the till at Sobeys, FreshCo, IGA, and more.

• Dining: Use points at restaurants.

• Movies: Trade points for Cineplex tickets or snacks.

• Gift Cards: Redeem for popular retailers and brands.

For travel redemptions, you get $1 for every 100 points, and the best part is you don’t need to have the full amount. If your flight costs $500 and you have 40,000 points, you can use them for a $400 discount and pay the rest. Flexibility is the name of the game here.

Note: The Scene+ program isn’t exactly winning medals in the travel rewards booking space, but hey, if this card vibes with you and gets you what you need, who are we to judge? 

✈️ Perks That Pay for Themselves

This card’s benefits more than cover its $399 annual fee. Between the no FX fees, which save you money on international purchases, and the lounge passes worth up to $400 annually, you’re already ahead.

Plus, with the insurance package—covering everything from medical emergencies to trip cancellations—you’ll be traveling with peace of mind.

🚀 Is This Card for You?

This card is perfect for anyone who wants big rewards without complicated spending categories. If you love earning Scene+ points for flexible redemptions—whether for travel, groceries, or nights out—this card delivers.

It’s also a no-brainer for travellers who want to avoid foreign transaction fees while earning rewards on every purchase. This is possibly it’s best feature.

Final Thoughts

The Scotiabank Platinum American Express Card’s limited-time 80,000 Scene+ points offer is the biggest ever and packs serious value. With premium perks like lounge access, no FX fees, and versatile points, this card is a must-have for anyone looking to maximize their spending.

Click here to get the card.

Credit Card Spotlight 🔦

Welcome to Chexy Credit Card Spotlight! 👀 Each month we’ll recommend a credit card that everyone should have! This time, we’ve got the Scotiabank Gold American Express—perfect for everyday buys and travel. Let's jump in. ✅

Scotiabank Gold American Express Card

Earn up to 6X the Scene+TM points on every $1 CAD you spend in Canada on eligible grocery, dining, and entertainment purchases.

Earn Rates:

6X on every $1 CAD you spend in Canada at Sobeys, Safeway, FreshCo, Foodland, and more.

5X for every $1 CAD you spend on Dining, Food Delivery, and other eligible grocery stores.

5X for every $1 CAD you spend on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.

3X for every $1 CAD you spend on gas and daily transit options. Includes rideshare, buses, taxis, subway, and more.

3X for every $1 CAD you spend in Canada on eligible select streaming services.

1X on Everything Else

Annual Fee:

The card has a $120 annual fee but your first year is waived!

Check out these awesome deals you definitely don't want to miss if you're thinking about travelling in the next few months!

1. Toronto(YYZ) ➡️ Newark (EWR) ➡️ New Delhi (DEL)

   • Cost: 90,000 (Business Class)

     

   • Dates: February 22th, 2025

   • Book: Here

2. Montreal (YUL) ➡️ Milan (MXP)

   • Cost: 64,700 (Business Class)

     

   • Dates: January 13th, 2025

   • Book: Here

3. Toronto (YYZ) ➡️ New York (LGA)

   • Cost: 6,400

     

   • Dates: January 16th, 2025

   • Book: Here