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3.8
/5
Scotiabank
Amex Canada
Scotiabank Platinum American Express® CardPoints Calculator
Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points.
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 up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points.
Get up to 80,000 bonus Scene+ points with this offer, accumulating up to $800 in value, redeemable towards travel, entertainment, and more.
- Earn 60,000 bonus Scene+ points: Spend at least $3,000 in everyday eligible purchases in your first 3 months.
- Earn an additional 20,000 bonus Scene+ points: Spend at least $10,000 in everyday eligible purchases in your first 14 months.
Open a new Scotiabank Platinum American Express Card account between 1, 2025 and July 1, 2026 to qualify.
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
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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
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Concierge Services
Discount
Discount on PriorityPass Membership
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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
*Savings and reward potential in first 14 months includes welcome offer value, potential savings, first year point earn potential, foreign transaction fee and airport lounge savings as of October 25, 2024:
$800 in travel rewards (80,000 bonus Scene+ points) for new Scotiabank Platinum American Express Card clients who spend $3,000 within the first 3 months (to earn 60,000 points) and who spend $10,000 within the first 14 months (to earn an additional 20,000 points);
$205 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee typically charged by card issuers);
$792 in first year point earn potential (79,186 Scene+ points) on everyday purchases based on average annual first year spend per account;
$788 value of a complimentary Priority Pass membership and free lounge passes per year for the primary cardholder (‘Standard Plus’ annual membership fee package of CAD$456/USD$329, which includes 10 lounge passes) and for one supplementary cardholder (‘Standard’ annual membership fee of CAD$137/USD$99 plus 4 lounge passes at CAD$49/USD$35 each). Currency conversion as at October 25, 2024.
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.