Working hard in the background...
3.8
/5
Scotiabank
Amex Canada
Scotiabank Platinum American Express® CardPoints Calculator
Up to 80,000 Scene+ points ($800 value)
Our Take
The Scotiabank Platinum American Express is the perfect choice for those seeking a super premium credit card without steep income requirements. With a high flat rate of rewards on all purchases, extensive insurance coverage, and flexible travel redemption options, it offers full-featured perks that cater to frequent travelers and savvy spenders alike.
Exclusive · From FinlyWealth$175 rebate
Card Details
Interest Rates
Purchase: 9.99%
Cash Advance: 9.99%
Balance Transfer: 9.99%
Annual Fees
Main Card: $399
Additional Cards: $99
Welcome Bonus
Earn 60,000 bonus Scene+ points by making at least $3,000 in everyday eligible purchases in your first 3 months. Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $10,000 in everyday eligible purchases in your first 14 months.
Offer valid from October 31, 2025 - January 1, 2026.
Annual Income
Personal: $12,000
Household: $12,000
Credit Score Estimate
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
3.8/5
Institution
Scotiabank
How You Earn Rewards
- Earn 2x Scene+ points for every $1 spent on all other eligible 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
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
13 insurance
8 benefits
Insurance
Coverage
Travel Medical Insurance (64 & under)
$2M, Up to 31 days
Travel Medical Insurance (65 to 75)
$2M, Up to 10 days
Trip Cancellation
$2500/person, $10000/trip
Lost or Stolen Baggage
$500/person, $1000/trip
Trip Interruption
$5000/person, $25000/trip
Baggage Delay
$1000 After 4 hours
Flight Delay
$1000/person
Common Carrier Travel Accident Insurance
$500K/person, $1M/occurrence
.svg){kind=small}
Car Rental Damage & Theft
$65K up to 48 days
Hotel Burglary Insurance
$1000/occurrence
Mobile Device Insurance
$1000
Purchase Protection
120 days
Extended Warranty
Up to a year
Benefits
Details
No Foreign Transaction Fees
Airport Lounge - Plaza Premium
10 visits, 4 visits for secondary card (combined with the Priority pass)
Airport Lounge - Priority Pass
10 visits, 4 visits for secondary card (combined with the Plaza Premium)
American Express® Experiences
.svg){kind=small}
Concierge Services
Discount
Discount on PriorityPass Membership
.svg){kind=small}
Status lift
Hertz #1 Club Gold Member
Extra points
Extra 4 Scene+ points per Canadian dollar spent on hotel and car rental bookings made through Scene+ Travel using your Scotiabank Platinum American Express Card
Pros & Cons
Pros
- Low interest rates
- Strong rewards
- Airport lounge access
- Comprehensive travel insurance
- Flexible travel rewards
- No foreign transaction fees
- Instant decision. No credit impact.
Cons
- Higher annual fee
- Limited premium perks
Legal
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.