Scotiabank Platinum American Express Card
AMERICAN EXPRESSGreat for travel abroad
Scotiabank Platinum American Express Card
8.4Canada Cards ScoreExcellentWelcome bonus
~$800
Earn up to 80,000 bonus Scene+ points ($800 in travel rewards)
Why get this card
- ✓Big welcome bonus worth ~$800
- ✓Bonus covers 2× the annual fee
- ✓Earn 3x on scene+ travel hotels and car rentals
- ✓No foreign transaction fees
Pros
- +Big welcome bonus worth about $800
- +Strong 3x earn on scene+ travel hotels and car rentals
- +No foreign transaction fee
- +10 airport lounge visits included
Cons
- -Steep $399 annual fee
Earn rates
- eligible travel purchases2x
- dining and entertainment2x
- all other purchases1x
- Scene+ Travel hotels and car rentals3x
booked through Scene+ Travel
Welcome offer
Earn up to 80,000 bonus Scene+ points ($800 in travel rewards)
- Est. cash value
- ~$800
- Bonus points
- 80,000
- Minimum spend
- $10,000
- Spend window
- 425 days
- Offer ends
- —
Earn 60,000 bonus Scene+ points by spending $3,000 in first 3 months, plus an additional 20,000 by spending $10,000 within the first 14 months.
Is this a record high? See the bonus history →Fees
- Annual fee
- $399
- Additional card
- $99
- Foreign transaction fee
- None
No foreign transaction (FX) markup on foreign currency purchases
Interest rates
- Purchase APR
- 9.99%
- Cash advance APR
- 9.99%
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- 10 visits (Priority Pass)
- Insurance coverages
- 6
- Travel Emergency Medical Insurance
- Flight Delay Insurance
- Delayed and Lost Baggage Insurance
- Hotel/Motel Burglary Insurance
- Rental Car Collision/Loss Damage Insurance
- Creditor Insurance
Redemption & eligibility
- Reward currency
- Scene+
- Redemption options
- —
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
How we scored it
8.4Excellent- Everyday earn rateWeight 30
3x on Scene+ Travel hotels and car rentals (≈3.0¢/$)
- Welcome valueWeight 25
~$800 estimated
- Annual-fee valueWeight 20
$399 annual fee
- Benefits depthWeight 15
6 insurance coverages, 10 lounge visits, no FX fee
- Interest costWeight 10
9.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
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Learn before you apply
Frequently asked
- Is the Scotiabank Platinum American Express Card worth it?
- It carries a $399 annual fee and a welcome offer worth about $800, for an estimated first-year value of +$401. Big welcome bonus worth ~$800. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the Scotiabank Platinum American Express Card?
- The annual fee is $399. The purchase interest rate is 9.99% and the cash advance rate is 9.99%. These are sourced from Scotiabank's official page.
- What rewards does the Scotiabank Platinum American Express Card earn?
- It earns up to 3x on scene+ travel hotels and car rentals, in Scene+. See the full earn-rate breakdown above.
- Does the Scotiabank Platinum American Express Card charge foreign transaction fees?
- Yes, it charges a 0% foreign transaction fee on purchases made outside Canada. See no-foreign-transaction-fee cards if you travel or shop internationally.
More ways to compare
Official sources
Every figure on this page comes from Scotiabank's own pages. Last checked 2026-06-13.
- Product page: https://www.scotiabank.com/ca/en/personal/credit-cards/american-express/platinum-card.html
- Application: https://hello.scotiabank.com/lending/triage?productCode=AXP&subProductCode=PC&source=115A&language=en
- Rewards program: https://www.scotiabank.com/ca/en/personal/programs-services/sceneplus-rewards.html
Cited, never sponsored
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