When do I receive my welcome bonus?

The timeline varies by issuer. For American Express Membership Rewards cards, expect 24 to 48 hours after reaching the minimum amount. For Aeroplan and Marriott Bonvoy cards, points generally arrive 3 to 5 days after the monthly statement showing the minimum spend is issued. For Scotia/Scene+ cards, expect 2 to 3 business days after reaching the required amount.

When exactly does the timeline start?

The timeline to meet the welcome offer conditions begins on the card APPROVAL date, not the physical receipt date. For example, an approval on June 30 with a 3-month offer gives you until September 30 to reach the minimum required amount.

Can I get the bonus if I've already had this card?

No. Welcome bonuses are reserved for new customers. If you have already held the card, you are generally not eligible for the welcome offer. Conditions vary by issuer—always check the official card page before submitting an application.

My points haven't arrived, what should I do?

First wait for the timelines indicated in the table. If the points are still not in your account after this period, contact the issuer's customer service directly by phone or chat. Have on hand your approval date, your statements, and confirmation that you reached the minimum required amount.

How does the Scotia Momentum card redemption work since 2026?

Since February 1, 2026, redemption for Scotia Momentum Visa Infinite and Scotia Momentum Mastercard cards is available at any time once $25 is accumulated, via the Scotia app or online account. The old annual November redemption rule no longer applies.

Can I churn Aeroplan cards?

The Aeroplan program has updated its conditions to limit churning-related abuse. Signing up for multiple Aeroplan cards successively to multiply welcome bonuses can lead to the cancellation of your points. Consult our article on the new Aeroplan conditions before taking action.

Is the information in the table always up to date?

We update this table regularly, but conditions sometimes change without notice. Always check the official card page before signing up. If in doubt, ask your question in our Milesopedia Facebook group.