Pros
- ✓Welcome Bonus: 80,000 points
- ✓Airport lounge access
- ✓Purchase protection included
- ✓Travel medical insurance included
- ✓No foreign transaction fees
Cons
- ✗High annual fee ($399/yr)
Our Review
For a limited time, by subscribing to Scotiabank Platinum American Express® Card, you can earn up to 80,000 points. That’s a value of $800 for trips including Airbnb.
With Scotiabank Platinum American Express® Card, you earn 2 points per dollar spent on all your purchases. You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). And you can also use them for other rewards in the Scene+ program, such as cash back.
What’s more, with this card you pay no fees for foreign currency transactions, and you get 10 free accesses to airport VIP lounges like Priority Pass and Premium Plaza.
And you get excellent insurance for your travels or purchases, concierge service, and exclusive American Express Offers (American Express Invites Program).
Offer ends: 2026-07-01
Rewards
All Spending
2x
Scene+ pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
44,640
Scene+/yr
Estimated Value
$446
After Fees
+$47
1st Year Value
$847
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
Travel Medical
Up to $2,000,000 / 31 days
Trip Cancellation
Up to $2,500
Trip Interruption
Up to $2,500
Delayed Baggage
Up to $1,000
Lost Baggage
Up to $1,000
Flight Delay
Up to $1,000
Hotel Burglary
Up to $1,000
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000
Auto Rental
Up to $65,000 / 48 days
Interest Rates
- Purchase Rate9.99%
- Cash Advance9.99%
- Foreign Transaction Fee0%
Perks & Benefits
Airport Lounge
10 visits/year
Concierge Service
24/7
Eligibility
Personal Income
$12,000
Household Income
$12,000
Terms & Conditions
Card Features
- Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points.
- Earn 2X the Scene+ points for every $1 in eligible purchases at grocery stores, restaurants, and entertainment.
- Earn 2X the Scene+ points for every $1 of eligible gas and public transit purchases. Includes bus, metro, taxis, ridesharing and more.
- Earn 2X Scene+ points for every $1 spent on all your other purchases.
- Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
- You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
- Enjoy 10 free airport lounge visits per year.
FAQ
What are the annual fees for Scotiabank Platinum American Express® Card?
The card has a $399 annual fee.
What is the interest rate for purchases and cash advances?
The interest rate is 9.99% for purchases and cash advances.
How does the Scene+ points program work with this card?
You can earn 2X Scene+ points for every dollar in eligible purchases.
What specific advantages does the card offer for travel?
It offers 10 free airport lounge visits per year and full travel insurance.
Are there any fees for foreign currency transactions?
No, there are no foreign currency transaction fees, only the exchange rate.
Does the card include insurance for mobile devices?
Yes, it offers insurance for mobile devices.
What other advantages does the card offer?
It includes privileged access to VIP airport lounges worldwide, a concierge service, and much more.
Legal
*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Banque Scotia. All trademarks are property of their respective owners.