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Scene+ Points Guide

Scene+ Points Guide 2024

Sandra MacGregor

By Sandra MacGregor

Fact Checked: Scott Birke

🗓️

Updated: November 13, 2024

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What is Scene+?

Scotia Rewards (Scotiabank’s former rewards program) and SCENE (Cineplex Entertainment’s loyalty program) merged to become Scene+. So far the merger seems to be a success, creating a loyalty rewards program that features a strong selection of redemption options, and lots of accelerated earning opportunities thanks in part to a powerful complement of Scotiabank credit and debit cards, which allow you to earn Scene+ Points on every purchase. Here's everything you need to know about maximizing your Scene+ rewards.

How to earn Scene+ Points with Scotiabank credit cards

There’s a wide variety of ways to earn Scene+ points, and the program also features some impressive limited-time offers, such as earning an extra 15x the points at select restaurants. One of the best benefits of a loyalty program like Scene+ is that its many associated debit and credit cards allow you to double dip/stack the points you earn. Here’s some top Scene credit cards that earn Scene+ points:

Scotiabank® Scene+™ Visa* Card

Apply now

4.0

up to 7,500 pts

Welcome offer

Good

Suggested credit score

Earn up to 7,500 bonus Scene+ points within your first 3 months.

Expires

Mar 3, 2025

Apply now

Pros

  • No annual fee

  • Generous rewards with 2X points at Cineplex and grocery stores

  • Low redemption thresholds for various rewards

  • 7,500 bonus Scene+ points as a sign-up bonus

  • Points don't expire

  • Car rental savings up to 25%

Cons

  • Limited earning potential for high spenders

  • Limited travel-related benefits compared to travel cards

  • Focus on entertainment and dining rewards may not suit all users

  • Limited sign-up bonus compared to cards with annual fees

  • Car rental savings limited to specific locations

Eligibility

Recommended Credit Score

Good

Pros

  • No annual fee

  • Generous rewards with 2X points at Cineplex and grocery stores

  • Low redemption thresholds for various rewards

  • 7,500 bonus Scene+ points as a sign-up bonus

  • Points don't expire

  • Car rental savings up to 25%

Cons

  • Limited earning potential for high spenders

  • Limited travel-related benefits compared to travel cards

  • Focus on entertainment and dining rewards may not suit all users

  • Limited sign-up bonus compared to cards with annual fees

  • Car rental savings limited to specific locations

Eligibility

Recommended Credit Score

Good

Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more

2x

Scene+ points¹ for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca

2x

Scene+ points¹ for every $1 you spend at Cineplex theatres or online at cineplex.com

2x

Scene+ point for every $1 spent on all other eligible everyday purchases

1x

Save up to 25% off base rates at participating Avis locations and participating Budget locations in North America.

25%

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$0

Foreign Transaction Fee

2.5%

  • Conditions apply. Visit here for the Scotiabank® Scene+™ Visa* Card to learn more. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

Scotiabank American Express®

Apply now

3.9

up to 5K pts

Welcome offer

Good

Suggested credit score

Earn up to 5,000 bonus Scene+ points within your first 3 months (that’s up to $50 towards travel).

Expires

Jul 2, 2025

Apply now

Pros

  • Earn 5,000 welcome bonus rewards points.

  • Earn up to three Scene+ points on everyday spending.

  • Earn points across five different categories, including food, travel, entertainment and streaming.

  • No annual fee.

Cons

  • The welcome bonus is lower compared to other rewards cards.

  • American Express isn’t accepted everywhere.

  • Limited insurance coverage.

Eligibility

Recommended Credit Score

Good

Pros

  • Earn 5,000 welcome bonus rewards points.

  • Earn up to three Scene+ points on everyday spending.

  • Earn points across five different categories, including food, travel, entertainment and streaming.

  • No annual fee.

Cons

  • The welcome bonus is lower compared to other rewards cards.

  • American Express isn’t accepted everywhere.

  • Limited insurance coverage.

Eligibility

Recommended Credit Score

Good

Scene+ points on every $1 you spend at Sobeys, Safeway, Freshcoand more

3x

Scene+ points for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions.

2x

Scene+ points for every $1 you spend on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.

2x

Scene+ points for every $1 you spend on eligible gas and daily transit. Includes ride shares, buses, subway, taxis and more

2x

Scene+ points for every $1 you spend on eligible select streaming services

2x

Scene+ point for every $1 spent on all other eligible everyday purchases

1x

Purchase APR

19.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$0

Foreign Transaction Fee

2.5%

Scotiabank Platinum American Express® Card

Apply now

4.4

up to 60K pts

Welcome offer

Good

Suggested credit score

Earn up to $2,100* in value in the first 14 months, including up to 60,000 bonus Scene+ points

Expires

Jan 3, 2025

Apply now

Pros

  • The card offers a competitive low interest rate on purchases, cash advances, and balance transfers

  • Comprehensive insurance coverage

  • Complimentary Airport lounge access

  • No foreign transaction fees

  • Ideal for travelers as it has no foreign transaction fees

  • Offers a substantial welcome bonus that can be worth up to 60,000 Scene+ points

  • Enjoy premium perks like Hertz #1 Club Gold membership and concierge services.

Cons

  • High annual fee: At $399, the annual fee is steep, which could offset the rewards and benefits for some cardholders

  • Below average rewards rate: Lower compared to other cards with similar or lower annual fees

  • Limited American Express acceptance: Especially outside major cities

  • Rewards potential: The net rewards potential is relatively low when considering the high annual fee

  • Non-transferable points: Scene+ points cannot be transferred to other rewards programs

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$12,000

Pros

  • The card offers a competitive low interest rate on purchases, cash advances, and balance transfers

  • Comprehensive insurance coverage

  • Complimentary Airport lounge access

  • No foreign transaction fees

  • Ideal for travelers as it has no foreign transaction fees

  • Offers a substantial welcome bonus that can be worth up to 60,000 Scene+ points

  • Enjoy premium perks like Hertz #1 Club Gold membership and concierge services.

Cons

  • High annual fee: At $399, the annual fee is steep, which could offset the rewards and benefits for some cardholders

  • Below average rewards rate: Lower compared to other cards with similar or lower annual fees

  • Limited American Express acceptance: Especially outside major cities

  • Rewards potential: The net rewards potential is relatively low when considering the high annual fee

  • Non-transferable points: Scene+ points cannot be transferred to other rewards programs

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$12,000

Scene+ points for every $1 spent on all other eligible purchases

2x

No foreign transaction fees

0%

Complimentary airport lounge passes per year

10

Purchase APR

9.99%

Balance Transfer Rate

9.99%

Cash Advance APR

9.99%

Annual Fee

$399

Foreign Transaction Fee

0%

  • Conditions Apply. Visit here for the Scotiabank American Express® Card to learn more. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

Scotiabank Passport® Visa Infinite* Card 

Apply now

4.3

up to 35K pts

Welcome offer

Excellent

Suggested credit score

Earn up to $1,100* in value in the first 12 months, including up to 35,000 bonus Scene+ points

Expires

Jan 3, 2025

Apply now

Pros

  • No FX fees means the card saves you significant expenses on foreign transaction fees

  • Earn up to 3x Scene+ points per $1 spent on eligible purchases

  • Flexible and straightforward redemption program

  • Visa acceptance globally compared to American Express, especially outside major cities.

  • Enjoy six annual visits to airport lounges

  • Robust insurance offerings, including extended travel emergency medical coverage

  • Access to Visa Infinite Program benefits, with added advantages like a free supplementary card

Cons

  • High annual fee

  • Limited rewards categories for earning reward max rate on purchases

  • Primarily best for travel within Canada

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

Pros

  • No FX fees means the card saves you significant expenses on foreign transaction fees

  • Earn up to 3x Scene+ points per $1 spent on eligible purchases

  • Flexible and straightforward redemption program

  • Visa acceptance globally compared to American Express, especially outside major cities.

  • Enjoy six annual visits to airport lounges

  • Robust insurance offerings, including extended travel emergency medical coverage

  • Access to Visa Infinite Program benefits, with added advantages like a free supplementary card

Cons

  • High annual fee

  • Limited rewards categories for earning reward max rate on purchases

  • Primarily best for travel within Canada

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more

3x

Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)

2x

Scene+ point for every $1 spent on all other eligible everyday purchases

1x

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$150

Foreign Transaction Fee

0%

  • ¹ Conditions Apply. Visit here for the Scotiabank Passport® Visa Infinite* Card to learn more.

    *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

Scotiabank Gold American Express®

Apply now

4.8

up to 45K pts

Welcome offer

Very Good

Suggested credit score

Earn up to $950* in value in the first 12 months, including up to 45,000 bonus Scene+ points and first year annual fee waived.

Expires

Jan 3, 2025

Apply now

Pros

  • Lots of daily spend options to earn multiplied point bonuses

  • Swanky Amex perks like Front of the Line presale concert tickets

  • Save on foreign transaction fees when abroad

  • Fantastic insurance coverage, especially for travel

Cons

  • Relatively low-value welcome bonus

  • $120 annual fee that chews into your point value substantially

  • Scene points redeem poorly for travel

Eligibility

Recommended Credit Score

Very Good

Pros

  • Lots of daily spend options to earn multiplied point bonuses

  • Swanky Amex perks like Front of the Line presale concert tickets

  • Save on foreign transaction fees when abroad

  • Fantastic insurance coverage, especially for travel

Cons

  • Relatively low-value welcome bonus

  • $120 annual fee that chews into your point value substantially

  • Scene points redeem poorly for travel

Eligibility

Recommended Credit Score

Very Good

Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more

6x

Scene+ points¹ for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.

5x

Scene+ points¹ for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.

5x

Scene+ points¹ for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more

3x

Scene+ points¹ for every $1 CAD you spend in Canada on eligible select streaming services

3x

Scene+ point for every $1 spent on all other eligible everyday purchases

1x

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$120

Foreign Transaction Fee

0%

  • Conditions Apply. Visit here for the Scotiabank Gold American Express® Card to learn more.

    *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

How to earn Scene+ points through your daily spending

Here's how you can earn points in different categories and maximize your Scene+ rewards through your Scene credit card.

Earning Scene+ Points through groceries

You can easily earn 2 points for every $1 spent at Sobeys, Safeway, FreshCo, Foodland, IGA and other participating stores, as well as grocery delivery services such as Voila.

Earning Scene+ Points with travel

If you're an avid traveller, you can earn 3 points per $1 spent on hotels and car rentals (*note that you don’t earn on flights) via the Scene+ Travel portal, which is powered by Expedia. Scene+ Travel also has great discounts on flights and stays, allowing you to save money on travel while earning reward points. 

Earn Scene+ by shopping

If you link your Scene+ and Rakuten.ca (one of Canada’s best cash back apps for shopping) accounts you’ll earn Scene+ points (rather than cash back) from hundreds of retailers, such as Best Buy, Apple, Rakuten, Home Hardware and more. Scene+ members will also have access to special offers where they can earn up to 20% more points than non-Scene+ members. Earning potential depends on what the retailer is offering, but cash back earned will be converted to Scene+ points at a rate of $0.01 per point.

Earn Scene+ with entertainment

You can earn 5 points for every $1 spent on movie, food, and drink purchases at Cineplex theatres across Canada. You will also earn 1 point per $1 spent at The Rec Room and Playdium.

Earn Scene+ while dining

Earn 1 point for every $3 spent at participating restaurants, including Harvey’s, Swiss Chalet, East Side Mario’s, Montana’s, Milestones, Kelsey’s Original Roadhouse, and more.

Earn with select Scotia bank accounts

You can earn points when you shop with a debit card connected to any of four Scotia bank accounts: the Preferred Package, Ultimate Package, Student Banking Advantage Plan, and the Getting There Savings Program for Youth. With those accounts you’ll earn 1 Scene+ point per $1 spent at Cineplex and 1 Scene+ point per $5 spent on everything else.

Read more and learn about special promotional offers: Best Scotiabank chequing accounts or best Scotiabank savings accounts.

Registering your Scene+ account

To activate a Scene+ account, register via the app or sign up online at www.sceneplus.ca. The process is basically as simple as submitting an email address and a password; you’ll be sent a membership number once you confirm your email address.

If you were already a member of the SCENE program, your points should have automatically transferred to the new Scene+ program. I was a member of the SCENE program and can say from personal experience that the transition was seamless and did not require me to do anything. If you earned Scotia Rewards but were not a SCENE member, a Scene+ account was created for you, and you should have received your new membership number via email. Your Scotia Rewards points transferred to your new Scene+ account at a rate of 1:1.

What are Scene+ points worth?

Scotiabank Scene+ points redeem in increments of 100 points per $1, meaning Scene+ points are worth one cent each ($0.01/per point). This valuation applies to more than just statement credits, but also towards flights, hotels and other travel awards booked through the Scene+ travel portal, powered by Expedia. Below is a summary of all the different options to redeem your points and the overall Scene point redemption value.  

Scene Redemption type
Single point value
Minimum points required
Travel
$0.01
None for Scene+ portal; 5K for independently booked travel
Entertainment
Ranges from approx. $0.01–$0.017
500 for some entertainment purchases; 1250 for movies
Restaurants
$0.01
500
Gift cards
$0.0071–$0.0078
1,400
Merchandise
Average point value of $0.077
20% of item's total point value
Statement credit
$0.0067–$0.0070
3,000

Do Scotiabank Scene+ points expire?

No, Scene+ points never expire as long as your eligible card is open and in good-standing.  If you don’t have any Scene+ activity in more than 24 months, your account may be closed. Scene+ does note however that they will warn you before they close your account.

Best ways to redeem your Scene+ points

Not only does Scene+ offer lots of ways to earn points, it also has an impressive array of redemption opportunities.

The redemption process is very straightforward. To buy merchandise and gift cards, members simply go to the website, log in and tap on the Rewards tab and then select either Shopping or Gift Cards. For participating restaurants, members can redeem points in person or for drive-thru or take-out where applicable. Redeem points for Cineplex movie tickets online or in-person. To redeem points against a statement credit go to the Rewards tab and select “Points For Credit” and then just follow the prompts. 

If you want to redeem points for travel you can access the dedicated Scene+ travel portal via the main Scene+ website. Tap “Rewards” and then hit the travel option and you’ll be given the option to redeem points for travel or apply points to a travel-related purchase you’ve already made with a Scotiabank credit card.

Redeem Scene+ points for Travel

There are two ways to redeem Scene+ points for travel:

  1. 1.

    Scene+ Travel portal, powered by Expedia. Book a flight, hotel, or rental car via the portal at a redemption rate of 100 points per $1 reward. A laudable feature of Scene+’s travel portal is that if you don’t have enough points, you can pay for your travel by using a mix of points and another method of payment.

  2. 2.

    Apply Points to Travel. If you don’t want to use their proprietary travel portal, you can instead use a Scene+ Scotiabank credit or debit card to independently book an eligible travel product, like a flight, car rental, or hotel. You have 12 months from the date of the transaction to use your points to offset the purchase (including taxes) at a rate of 100 points for $1 in credit.

Currently there is a 5,000-point minimum ($50) required when redeeming points against independently booked travel, but the Scene+ website states that “the ability to use Scene+ points for a partial redemption of an eligible travel transaction is coming soon.”

Redeem Scene+ points for Entertainment

Points can be redeemed for Cineplex movies, and in Scene+ it’s pretty much the only way you can get a redemption value of more than $0.01 per point. You’ll need 1,250 points for a General Admission or 3D movie ticket, 2,000 points for an enhanced movie ticket (UltraAVX, IMAX, Prime seats and D-Box), or 2,500 points for a VIP movie ticket.

It can be hard to pinpoint an exact point value for this redemption path, as movie prices vary across Canada. But on average, a standard movie tickets costs about $15.40 (with tax), meaning that you’d get a value of about $0.012 per redeemed point for General Admission. For enhanced movies, with a D-Box seat, you would normally pay approx. $23.45 with tax, giving a good point value of $0.017 each.

You can also redeem 500 points for $5 off food and drinks at Cineplex movie theatres or use 100 points for $1 off movie rentals or your Cineplex Store purchases. 500 points can also be redeemed for $5 off a variety of items at the Rec Room or Playdium.

Redeem Scene+ points at Restaurants

Scene+ has a flat redemption rate of 500 points for $5 off at its partner restaurants, including Swiss Chalet, East Side Mario’s, Bier Markt, Fionn MacCool’s and more. When used at restaurants, points have a value of $0.01 each.

Redeem Scene+ points for Gift Cards

Redeem Scene+ points for gift cards with over 60 brands (like Amazon.ca, Canadian Tire, Gap, Walmart, and more) through the Scene+ website. For the majority of merchants, gift card redemptions start as low as 1,400 points for a $10 gift card, and go up to 64,000 points for a $500 gift card. Points have a value range of $0.0071–$0.0078 each if you go with this redemption option.

Redeem Scene+ points for Merchandise

Shop for over 50,000 items via the Best Buy and Apple Store Scene+ catalogue. Examples include:

  • iPhone 13 for 158,745 points (sells for $1,241.87 including taxes, for a value of $0.0078 per point)
  • Apple watch SE 40mm for 53,300 points (sells for $484.77 including taxes, for a value of $0.009 per point)
  • Dyson cyclone v10 animal cordless stick vacuum for 101,110 points (sells for $790.99 including taxes, for a value of $0.0078 per point)

After looking at a random sampling of other items, point values seem to range from $0.0067–$0.0087, for an average point value of $0.0077.

What’s nice about this redemption option is that if you don’t have enough points, you can pay as little as 20% of the item’s value plus taxes using points, and use any other payment method to cover the remaining 80%.

How to redeem Scene+ points for Statement credit (points for credit)

You can use your Scene+ points toward a statement credit (non-travel) with your Scotiabank debit card and credit card accounts. The redemption values are as follows:

  • 3,000 Scene+ points = $20
  • 4,500 Scene+ points = $30
  • 7,500 Scene+ points = $50
  • 11,000 Scene+ points = $75
  • 14,500 Scene+ points = $100
  • 21,500 Scene+ points = $150
  • 43,000 Scene+ points = $300
  • 71,500 Scene+ points = $500

With this redemption path the value you get for your points increases slightly as you redeem more, with values ranging from $0.0067–$0.0070.

How to check the number of Scene+ points you have

To check how many Scene+ points are in your account visit sceneplus.ca or use the Scene+ app. It can take up to three days for points to post to your account.

Scene+ program's drawbacks

The Scene+ program does have one clear drawback: though point values are consistent across all its redemption channels, the points typically redeem for a value of one cent each or less. The only time Scene+ points are worth slightly more than $0.01 each is when they’re redeemed for a free movie. If your recreational activities consist of a mix of cinema, dining out, and travel, you’ll probably give Scene+ two thumbs up. But hardcore travel junkies might get better value for their points via competing programs.

Is Scene+ the best rewards program in Canada?

Let's see how Scene+ rewards stacks up against its competitors.

Scene+ vs. American Express Membership Rewards

Like Scene+, the Amex Membership Rewards® Program also has varied redemption options, as well as credit cards (like the popular Amex Cobalt® card) that offer high earn rates and generous welcome bonuses. Where Amex Membership Rewards® really outshine Scene+, however, is in the value of its travel rewards and its transfer partners. If you redeem points using its Fixed Points Travel Program, your points could be worth up to as much as $0.02 each, which is double what you can get with Scene+. Furthermore, Amex lets you transfer points to six airline and two hotel partners, often at a value of 1:1, which gives you incredible flexibility and makes the program especially appealing to globetrotters. The one major drawback compared to Scene+, however, is that Amex credit cards have a lower degree of merchant acceptance in Canada than Visa (the processor for Scene+ cards), making it harder to amass points.

Scene+ vs. RBC Avion

If you prefer to stick with Visa, note that RBC Rewards also has Scene+ beat when it comes to travel redemptions, provided you have an Avion credit card. Avioner points are valued from $0.02–$0.0233 each if you redeem them for travel via RBC’s Air Travel Redemption Schedule. That’s more than double the value you get when you redeem Scene+ points for travel. Another great feature of the RBC Rewards program is that, unlike Scene+, you can convert points to other eligible loyalty programs like WestJet dollars and Hudson’s Bay Rewards. But while RBC Rewards does potentially offer far higher redemption value for travel, you can’t put RBC points toward independently booked travel expenses like you can with Scene+ (or Amex MR, for that matter), and RBC Avion credit cards tend to earn less points overall than the high-end Scotia Scene+ cards. Finally, RBC Rewards doesn’t let you redeem points for restaurant or movie purchases like Scene+.

Is getting a Scene+ card worth it?

Aside from a few travel-related weaknesses, it’s clear that overall the Scene+ program has lots to offer even if you aren’t a moviegoer. It’s a flexible program with an impressive cast of redemption and earning partners, as well as respectable (if not jaw-droppingly high) point values in every redemption category. The program really has something that will appeal to everyone. That being said, those who spend more time in the air than on the ground probably have more to gain from other flyer-friendly rewards ecosystems.

Pros and cons of Scene+

Pros

Pros

  • Lots of earning and redemption options

  • Solid point values for most redemption categories

  • Stack points earning opportunities by using Scotia credit or debit cards while shopping at Scene+ partner merchants

  • You don’t have to use the Scene+ travel portal for travel redemptions

Cons

Cons

  • Points rarely exceed a value of $0.01 each

  • Best redemption deals are for movie tickets

  • No airline or hotel transfer partners

FAQs: Scene Rewards program

  • Can Scene+ points be transferred to other programs?

    +

    No, Scene+ points cannot be transferred to other loyalty programs.

  • What are the restaurants that accept Scene+ points?

    +

    Scene+ points can be redeemed at Kelseys Original Roadhouse, Swiss Chalet, Harvey’s, Montana’s, East Side Mario’s, Prime Pubs (Fionn MacCools, D’Arcy McGee’s, Paddy Flaherty’s, and Tir nan Og) and Bier Markt.

  • Can I redeem Scene+ points for gift cards?

    +

    Yes, points can be redeemed for a variety of gift cards, including for Amazon.ca, Walmart, and Canadian Tire, among other retailers.

  • How many Scene+ points for a free movie?

    +

    1,250 Scene+ points are needed for a general or 3D movie ticket; 2,000 points are needed for an enhanced movie ticket; and 2,500 points are needed for a VIP movie ticket.

  • What’s the Scene+ contact number?

    +

    Call 1-866-586-2805 between 8:00am to 11:00pm EST to reach the Scene+ helpline.

  • How do I reach the Scene+ help center?

    +

    You can call 1-866-586-2805 to reach Scene+ or chat online with a Scene+ rep via the website.

Sandra MacGregor Freelance Contributor

Sandra MacGregor has been writing about finance and travel for nearly a decade. Her work has appeared in a variety of publications like the New York Times, the UK Telegraph, the Washington Post, Forbes.com and the Toronto Star.

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