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Originally Posted by coaster
You got me all excited for the Scotia card. So I phoned to apply and now that I am retired I don't meet the minimum annual income of $60,000. 
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If you're willing to deal with the potential lack of usage of American Express, the Scotiabank Gold Amex card has potential for huge returns with no required annual income as far as I know. 4% back on the following, beating every card so far:
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Gas Service Stations and Automated Fuel Dispensers; Grocery Stores and Supermarkets; Eating Places and Restaurants, Drinking Places, Fast Food Restaurants; and Entertainment including Motion Picture Theaters, Theatrical Producers, Ticket Agencies, Bands, Orchestras and Miscellaneous Entertainers.
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Of course the true limitation is Amex merchants, listed
here.