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Scotiabank Platinum American Express® Card: A Card for Frequent Travellers

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Scotiabank Platinum American Express® Card: A Card for Frequent Travellers
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The Scotiabank Platinum American Express® Card is one of Canada’s premium credit cards. It offers many benefits, such as:

  • Flexible Rewards Program
  • 2 points per dollar on all purchases
  • No foreign transaction fees
  • 10 free airport lounge visits
  • Insurance for your trips and purchases

Scotiabank®* Platinum American Express® Card

ScotiabankScene+
Annual fee
$399
Our valuation
$1,000
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 100,000 points
Ends Nov 1, 2026
Apply Now

on Scotiabank's website

Terms of the offer

  • Earn 30,000 bonus Scotia Rewards points upon first purchase◊
  • Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible everyday purchases
  • Complimentary membership to Priority Pass Airport Lounges Worldwide
  • Rates, fees and other information are effective as of July 2, 2020. Subject to change.
   
Legal

* The potential value of savings and rewards during the first 14 months includes the value of the welcome offer, potential savings, the potential value of points earned in the first year, and the value of savings on foreign transaction fees and airport lounge access as of May 22, 2026:

$600 in travel rewards (60,000 bonus Scene+ points) for new Scotiabank Platinum American Express cardholders who make purchases totalling $5,000 in the first 3 months

$200 in travel rewards (20,000 bonus Scene+ points) who make purchases totalling $10,000 in the first 6 months

$200 in travel rewards (20,000 bonus Scene+ points) when you post at least one (1) eligible purchase to your new account in the 14th month following the month the account was opened

$241 in savings on foreign transaction fees based on the average amount of foreign currency purchases made per account in the first year (by saving the 2.5% foreign transaction fee generally charged by credit card issuers);

$1,023 potential first-year points earnings (102,297 Scene+ points) on everyday purchases, based on the average amount of purchases made per account over the past 24 months;

$784 representing the value of Priority Pass membership and airport lounge passes for the primary cardholder (annual membership fee for a 10-visit plan, $454 CAD or $329 USD) and for one additional cardholder (annual membership fee of $137 CAD or $99 USD, plus 4 passes valued at $48 CAD or $35 USD each). Based on the exchange rate in effect on May 22, 2026.

Maximum potential value after 14 months = $3,048 (rounded to $3,000)

The actual value of offers, savings realized and rewards earned will vary depending on card usage and eligibility for offers. Conditions apply.

1 Offer description and terms and conditions: The offer of 100,000 bonus Scene+ points (the “Offer”) applies only to new Scotiabank Platinum American Express credit card accounts (the “Account”) opened between July 2, 2026 and November 1, 2026 (regardless of the date you apply for the Account), subject to the conditions below.

To be eligible for the 60,000 bonus Scene+ points (the “60,000 bonus points offer”), you must charge eligible purchases totalling at least $5,000 within three months of the Account opening date. To be eligible for the 20,000 bonus Scene+ points (the “additional 20,000 bonus points”), you must charge $10,000 in eligible purchases to your new Account during the first six months following the Account opening date. To be eligible for the additional 20,000 bonus Scene+ points (the “additional 20,000 bonus points”), you must make at least one (1) eligible purchase on your new Account during the 14th month following the month in which the Account was opened. Eligible purchases means purchases, less refunds, returns and any other similar credits, and excludes payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees and other fees.

Annual bonus fulfillment: Bonus points will be deposited into the Scene+ account within approximately eight weeks after you become eligible for a bonus, provided the Account is open and in good standing. In the case of a joint Account with a primary borrower and a co-borrower, bonus points will be deposited as follows: (i) the 60,000 bonus points and the 20,000 bonus points will be deposited into the Scene+ account linked to the Account of the borrower who made the transaction that reached the eligible purchase threshold ($5,000 or $10,000) within the applicable timeframe (the first three months or the first six months), and (ii) the additional 20,000 bonus points will be deposited into the Scene+ account linked to the Account of the borrower who made the first transaction considered an eligible purchase in the 14th month following the month the Account was opened. If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 60,000 bonus points or the 20,000 bonus points, or makes the first transaction to earn the additional 20,000 bonus points, the bonus points will be deposited into the Scene+ account linked to the primary borrower’s Account. Points can be transferred between the Scene+ accounts of a primary borrower, a co-borrower, or an additional cardholder by contacting Scene+. An Account is in good standing if it is not delinquent, there is no over-limit on the credit limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the Account. All other program terms continue to apply during the Offer period. The Offer may be changed, cancelled, or extended at any time without notice, and cannot be combined with any other offer.

Eligibility and exclusions: You are not eligible for the Offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or if you have been within the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, Scotiabank small business credit cardholders are eligible for this Offer.

Rates and fees: The current annual fee is $399 for the primary card and $99 for each additional card (including those issued to co-account holders and additional cardholders).
The preferred annual interest rates currently applicable to the Account are as follows: 9.99% on purchases and 9.99% on cash advances (including balance transfers and quasi-cash transactions). All rates, fees, features and benefits described in the application disclosure statement are subject to change.

For a limited time, by signing up for the Scotiabank Platinum American Express® Card, you can earn up to 100,000 Scene+ points, worth up to $3,000 in value over the first 14 months (including about $1,000 in travel rewards from the bonus points).

With the Scotiabank Platinum American Express® Card, you earn 2 points per dollar spent on all purchases. These points can be used against any travel purchase (plane tickets, hotels, all-inclusives, and even Airbnb), and you can also use them for other rewards in the Scene+ program, like cash back.

Plus, with this card, you pay no foreign transaction fees, and you get 10 free accesses to VIP airport lounges (Priority Pass).

And you benefit from excellent insurance for your trips and purchases, premium concierge service, and exclusive American Express Invitations offers.

Annual fee

Primary card$399
Additional card$99

Annual income required

Individual$12,000
Household$12,000

Conversion fees

0%

Earning rate

  • 2xAll spending

Value

1st Year Value$1,141
2nd Year Value$481

Card benefits

Concierge service24/7
Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 31 days
Travel medical (55-64)Up to $2,000,000 / 31 days
Travel medical (65+)Up to $2,000,000 / 10 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $2,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $1,000
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days

Flexible Rewards Program

The Scene+ program is the loyalty program of Scotiabank, Cineplex theatres and, soon, IGA, Sobeys and other grocery stores.

See how many Scene+ points you can earn for every dollar spent with the Scotiabank Platinum American Express® Card and the different ways to use them.

Earning Scene+ Points

With the Scotiabank Platinum American Express® Card, you can earn 2 points per dollar on all purchases. It’s one of Canada’s only credit cards that offer this earning level for any purchase.

For example, if you habitually spend $3,000 per month on your credit card, you can earn over 72,000 points per year on your card. A $720 value to use on travel! Without effort, nor worrying about purchasing categories.

Note that unlike other credit cards, there is no annual limit on the number of Scene+ points you can earn!

Plus, you can earn 3 points per dollar on hotel and car rental bookings made through Scene+ Travel.

Scene+ Points Redemption

For Travel

Since this credit card is designed for frequent travellers, one of the best uses of your Scene+ points will be to apply them to your travel purchases.

Unlike other credit cards that require you to go through an exclusive provider, with the Scotiabank Platinum American Express® Card, you can use your Scene+ points for purchases made on any site, with any provider or travel agency.

Whether it’s after buying a plane ticket, renting a car, staying in a hotel/apartment/house, or booking a cruise, you can use your Scene+ points at the same value: 10,000 Scene+ points = $100.

So, 60,000 Scene+ points are worth $600!

All you need to do is log in to your online account and apply your Scene+ points to your purchase (up to 12 months after it) via the « Redeem points for travel » option.

You must use at least 5,000 points ($50) when redeeming (after this threshold, redemptions are made at the rate of 100 points = $1).

By using your Scene+ points against your travel purchases, you ensure a 2% return on purchases made with the card.

Scotiabank Platinum American Express® Card: A Card for Frequent Travelers - Travel

For other types of rewards

The Scene+ loyalty program is rapidly expanding in Canada. You can already use your Scene+ points for many rewards, such as products or gift cards.

Soon, you’ll also be able to use your Scene+ points at grocery stores such as Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

Here too, you’ll get a value of 1 cent per point: 1,000 Scene+ points = $10.

Scotiabank Platinum American Express® Card: A Card for Frequent Travellers - Iga Extra

Exclusive Card Benefits

No foreign transaction fees

With this card, you pay no foreign transaction fees on transactions in foreign currencies. This is a rare benefit in Canada for credit cards.

This means you’ll save 2.5% on every transaction made in foreign currencies, whether online or abroad! Only the exchange rate applies.

For example, if you pay $15,000 in annual foreign currency purchases, that’s a savings of $375 in transaction fees compared to a credit card charging 2.5%.

Scotiabank Platinum American Express® Card: A card for frequent travelers - Hotel Danieli, a Luxury Collection Hotel, Venice

10 free airport lounge visits

With the Scotiabank Platinum American Express® Card, you get a Priority Pass membership as well as free access to VIP airport lounges (including Plaza Premium lounges):

  • 10 complimentary visits for the primary cardholder
  • 4 complimentary visits for the additional cardholder

With travel picking up again, it’s nice to be able to wait for your flight in the comfort of an airport lounge rather than in the hustle and bustle of the terminal!

Scotiabank Platinum American Express® Card: A card for frequent travelers - National Bank Lounge YUL

Premium concierge services

If you need help making restaurant reservations or finding tickets to a show, the concierge service – provided by American Express – is at your disposal 24 hours a day, seven days a week.

I’ve used it on several occasions, notably to access tables in « fully booked » restaurants.

Or to make a list of things to do, to see, to book in a city I was planning to visit and where language can be an issue like Seoul in South Korea.

An American Express card

Since this card is part of the American Express network, you can access American Express online offers, including Shop Small.

Simply register your card on this page.

Scotiabank Platinum American Express® Card: A card for frequent travelers - Scotiabank Amex Network Offers

Access to the American Express Front Of The Line Service

As this is an American Express card, you also enjoy certain cardholder benefits such as « American Express Invites/Front Of The Line. »

This gives you early access to various experiences: concerts, plays, restaurants, cinema, fashion and shopping.

To sign up for the service once you have your Scotiabank Platinum American Express® Card,it’s this way!

Card insurance

The Scotiabank Platinum American Express® Card provides a wide range of travel insurance products:

Travel Emergency Medical Insurance

Coverage is provided:

  • for eligible persons under 65 years of age for a period of no more than 31 consecutive days
  • For people aged 65 and over, up to 10 consecutive days.

Few cards offer coverage for those 65 and older.

As a Scotiabank Platinum American Express cardholder (cardholder includes the primary cardholder and any additional cardholder), you, your spouse and your dependent children are eligible for insurance of up to two million dollars each in the event of a medical emergency due to an unforeseen illness or accident occurring during a trip outside your province or territory of residence in Canada.

The insurance covers eligible expenses:

  • hospital care,
  • nursing care,
  • prescription drugs, licensed ambulances
  • and physicians’ and surgeons’ fees,
  • other eligible expenses for medical supplies and services

Trip Cancellation / Trip Interruption Insurance

Charge at least 75% of the cost of your trip to your card and obtain trip cancellation/interruption insurance at no additional cost.

You, your spouse, a travel companion, and your eligible dependent children traveling with you are automatically covered:

  • trip cancellation insurance of up to $2,500 per person (to a maximum of $10,000 per trip)
  • trip interruption insurance of up to $5,000 per person (to a maximum of $25,000 per trip)

As travel resumes, it is essential to have the trip cancellation/interruption insurance provided by this card.

Flight Delay Insurance

When you pay at least 75% of the cost of your tickets with your Scotiabank Platinum American Express® Card, you are entitled to reimbursement of necessary expenses (e.g. hotel accommodation, meals and other exceptional costs).

You could be reimbursed for all eligible necessary and reasonable living expenses incurred:

  • in the event of a flight delayed by at least four hours or a missed connection resulting in a waiting period of at least four (4) hours
  • to a limit of $1,000 per insured person on the same trip.

As we can see, with travel picking up again, flights can be delayed for several hours. Here, you’re covered with this card when an eligible situation occurs!

Scotiabank Platinum American Express® Card: A Card for Frequent Travellers - flight delay insurance bankrupt recourse bankruptcy

Delayed and Lost Baggage Insurance

When you pay the full cost of your plane, train, bus or cruise tickets with your card, you’re covered if your checked baggage is delayed or lost.

Indemnity for lost baggage is limited to the value of the covered baggage or the actual cost of replacing the covered baggage that was lost or stolen, up to a combined maximum of $1,000, whichever is less.

Delayed baggage compensation is limited to $1,000 (for all insured persons traveling together) for the replacement of eligible essential items when checked baggage has not been delivered within four (4) hours of arrival at the final destination.

Even though we advise you to travel light with a carry-on bag, there are situations where this is not possible.

So here too, it’s essential to be able to rely on your credit card’s insurance in case your baggage is delayed or lost, especially during a period of travel recovery when everything might not go as planned!

Rental Car Collision Loss/Damage Insurance

You are automatically protected against damage and theft if you pay the full cost of the vehicle rental with your card.

Note that the rental period cannot exceed 48 consecutive days and vehicles costing over $65,000 are not covered.

Thanks to this insurance, you can refuse the one sold by the rental agency, which can cost about twenty dollars per day!

Scotiabank Platinum American Express® Card: A Card for Frequent Travellers - Car Nice Airport

Travel Accident Insurance

When you pay at least 75% of the full cost of your tickets with your card, you benefit from accidental death and dismemberment insurance.

You, your spouse, and your eligible dependent children are automatically covered for accidental death or dismemberment insurance up to a maximum of $500,000 (up to $1,000,000 per trip).

Hotel/Motel Burglary Insurance

Use your card to pay for hotel or motel accommodations in Canada or the U.S.

When you stay at a hotel or motel in Canada or the United States and pay the entire bill with your Scotiabank Platinum American Express® Card, you, your spouse, and your dependent children traveling with you will be eligible for personal property theft insurance in the event of a break-in to your room.

If your claim exceeds the amount reimbursable by the hotel and/or any other eligible insurer, the insurance covers the difference, up to $1,000.

New Mobile Device Insurance

You can be covered by mobile device insurance for up to $1,000 if your tablet, cell phone or smartphone is lost, stolen, accidentally damaged or has suffered a mechanical failure.

To be covered by this insurance, the full price of your new mobile device must be charged to your card or, if you financed the purchase of the device with a package, all your wireless bill payments for the device in question must be charged to your card.

Purchase Security Extended Warranty Protection

Most items purchased with your card are insured against loss, theft and damage for 120 days after purchase, and the manufacturer’s warranty is doubled for up to another year. (Maximum lifetime liability of $60,000)

Conclusion

The Scotiabank Platinum American Express® Card is the best card for earning on all purchases within the Scene+ program.

This Scotiabank Platinum American Express® Card will be very interesting for travellers:

  • who do not wish to pay foreign transaction fees
  • who want premium insurance
  • who want access to airport lounges
  • who want to book travel with any provider

Take advantage of the current special offer to apply for this premium travel card:

Scotiabank®* Platinum American Express® Card

ScotiabankScene+
Annual fee
$399
Our valuation
$1,000
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 100,000 points
Ends Nov 1, 2026
Apply Now

on Scotiabank's website

Terms of the offer

  • Earn 30,000 bonus Scotia Rewards points upon first purchase◊
  • Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible everyday purchases
  • Complimentary membership to Priority Pass Airport Lounges Worldwide
  • Rates, fees and other information are effective as of July 2, 2020. Subject to change.
   
Legal

* The potential value of savings and rewards during the first 14 months includes the value of the welcome offer, potential savings, the potential value of points earned in the first year, and the value of savings on foreign transaction fees and airport lounge access as of May 22, 2026:

$600 in travel rewards (60,000 bonus Scene+ points) for new Scotiabank Platinum American Express cardholders who make purchases totalling $5,000 in the first 3 months

$200 in travel rewards (20,000 bonus Scene+ points) who make purchases totalling $10,000 in the first 6 months

$200 in travel rewards (20,000 bonus Scene+ points) when you post at least one (1) eligible purchase to your new account in the 14th month following the month the account was opened

$241 in savings on foreign transaction fees based on the average amount of foreign currency purchases made per account in the first year (by saving the 2.5% foreign transaction fee generally charged by credit card issuers);

$1,023 potential first-year points earnings (102,297 Scene+ points) on everyday purchases, based on the average amount of purchases made per account over the past 24 months;

$784 representing the value of Priority Pass membership and airport lounge passes for the primary cardholder (annual membership fee for a 10-visit plan, $454 CAD or $329 USD) and for one additional cardholder (annual membership fee of $137 CAD or $99 USD, plus 4 passes valued at $48 CAD or $35 USD each). Based on the exchange rate in effect on May 22, 2026.

Maximum potential value after 14 months = $3,048 (rounded to $3,000)

The actual value of offers, savings realized and rewards earned will vary depending on card usage and eligibility for offers. Conditions apply.

1 Offer description and terms and conditions: The offer of 100,000 bonus Scene+ points (the “Offer”) applies only to new Scotiabank Platinum American Express credit card accounts (the “Account”) opened between July 2, 2026 and November 1, 2026 (regardless of the date you apply for the Account), subject to the conditions below.

To be eligible for the 60,000 bonus Scene+ points (the “60,000 bonus points offer”), you must charge eligible purchases totalling at least $5,000 within three months of the Account opening date. To be eligible for the 20,000 bonus Scene+ points (the “additional 20,000 bonus points”), you must charge $10,000 in eligible purchases to your new Account during the first six months following the Account opening date. To be eligible for the additional 20,000 bonus Scene+ points (the “additional 20,000 bonus points”), you must make at least one (1) eligible purchase on your new Account during the 14th month following the month in which the Account was opened. Eligible purchases means purchases, less refunds, returns and any other similar credits, and excludes payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees and other fees.

Annual bonus fulfillment: Bonus points will be deposited into the Scene+ account within approximately eight weeks after you become eligible for a bonus, provided the Account is open and in good standing. In the case of a joint Account with a primary borrower and a co-borrower, bonus points will be deposited as follows: (i) the 60,000 bonus points and the 20,000 bonus points will be deposited into the Scene+ account linked to the Account of the borrower who made the transaction that reached the eligible purchase threshold ($5,000 or $10,000) within the applicable timeframe (the first three months or the first six months), and (ii) the additional 20,000 bonus points will be deposited into the Scene+ account linked to the Account of the borrower who made the first transaction considered an eligible purchase in the 14th month following the month the Account was opened. If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 60,000 bonus points or the 20,000 bonus points, or makes the first transaction to earn the additional 20,000 bonus points, the bonus points will be deposited into the Scene+ account linked to the primary borrower’s Account. Points can be transferred between the Scene+ accounts of a primary borrower, a co-borrower, or an additional cardholder by contacting Scene+. An Account is in good standing if it is not delinquent, there is no over-limit on the credit limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the Account. All other program terms continue to apply during the Offer period. The Offer may be changed, cancelled, or extended at any time without notice, and cannot be combined with any other offer.

Eligibility and exclusions: You are not eligible for the Offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or if you have been within the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, Scotiabank small business credit cardholders are eligible for this Offer.

Rates and fees: The current annual fee is $399 for the primary card and $99 for each additional card (including those issued to co-account holders and additional cardholders).
The preferred annual interest rates currently applicable to the Account are as follows: 9.99% on purchases and 9.99% on cash advances (including balance transfers and quasi-cash transactions). All rates, fees, features and benefits described in the application disclosure statement are subject to change.

For a limited time, by signing up for the Scotiabank Platinum American Express® Card, you can earn up to 100,000 Scene+ points, worth up to $3,000 in value over the first 14 months (including about $1,000 in travel rewards from the bonus points).

With the Scotiabank Platinum American Express® Card, you earn 2 points per dollar spent on all purchases. These points can be used against any travel purchase (plane tickets, hotels, all-inclusives, and even Airbnb), and you can also use them for other rewards in the Scene+ program, like cash back.

Plus, with this card, you pay no foreign transaction fees, and you get 10 free accesses to VIP airport lounges (Priority Pass).

And you benefit from excellent insurance for your trips and purchases, premium concierge service, and exclusive American Express Invitations offers.

Annual fee

Primary card$399
Additional card$99

Annual income required

Individual$12,000
Household$12,000

Conversion fees

0%

Earning rate

  • 2xAll spending

Value

1st Year Value$1,141
2nd Year Value$481

Card benefits

Concierge service24/7
Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 31 days
Travel medical (55-64)Up to $2,000,000 / 31 days
Travel medical (65+)Up to $2,000,000 / 10 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $2,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $1,000
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days

This publication is sponsored by Scotiabank. However, the opinions and views expressed on this blog are only mines. Scotiabank is not responsible for maintaining or verifying the accuracy of the information published on this website.

Frequently Asked Questions about the Scotiabank Platinum American Express Card

Here are frequently asked questions in the milesopedia community about this card.

Who is the Scotiabank Platinum American Express Card really designed for?

The Scotiabank Platinum American Express Card targets travellers who take 3 flights or more per year and want to eliminate foreign currency fees. Key benefits:

  • Aucuns frais de conversion sur les achats en devises étrangères (économie de 2,5 % par achat)
  • 10 entrées gratuites par an aux salons Priority Pass et Plaza Premium
  • Emergency medical care up to $2,000,000
  • 2 Scene+ points per dollar on all purchases, with no cap

For a traveller spending $10,000 USD abroad, the lack of conversion fees already represents $250 in annual savings.

How much is the welcome bonus of up to 100,000 Scene+ points really worth?

The 100,000 Scene+ points represent $1,000 in value in travel rewards, since the Scene+ program uses a fixed rate of 1 cent per point on any travel purchase through the Scene+ Travel portal or the Book Your Way feature. They are part of an offer worth up to $3,000 in savings and rewards over the first 14 months.

The 100,000 points cover, for example:

  • Un vol aller-retour Montréal-Paris en classe économie en haute saison
  • Plusieurs nuits d’hôtel dans des établissements milieu de gamme
  • Des locations de voiture ou même des billets de croisière

No blackout dates, no blocked seats: it’s one of the simplest programs in Canada.

How do the 10 lounge entries compare to competitors?

The 10 free lounge entries per year to Priority Pass and Plaza Premium lounges position the Scotiabank Platinum among the best cards for lounge access:

  • TD Aéroplan Visa Infinite Privilège : illimité aux salons Feuille d’érable d’Air Canada (~599 $/an)
  • Carte Visa Infinite Privilège Banque Scotia : 6 entrées (~399 $/an)
  • Carte Or avec Primes Amex : 4 entrées Plaza Premium (~250 $/an)

At $50 USD per entry at the individual rate, these 10 visits are worth more than $650 CAD, which is well above the annual fee of about $399 for the Scotiabank Platinum.

Is this card worth it if I only travel in North America?

The no conversion fees benefit remains relevant even in the United States, where most Canadian cards charge 2.5% on purchases in USD. For a traveller who spends $5,000 USD per year in the United States, that’s $125 in savings.

However, if you travel little and mostly stay in Canada, compare it with:

  • La Carte Visa Infinite Banque Scotia Momentum : 4 % sur épicerie et factures, frais annuels plus bas
  • La Cobalt American Express : 5x sur épicerie et restaurants, frais mensuels de 15,99 $

The Scotiabank Platinum remains optimal as soon as your international travel represents $5,000 or more per year.

Our featured card

Scotiabank®* Platinum American Express® Card

ScotiabankScene+
Annual fee
$399
Our valuation
$1,000
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 100,000 points
Ends Nov 1, 2026
Apply Now

on Scotiabank's website

Terms of the offer

  • Earn 30,000 bonus Scotia Rewards points upon first purchase◊
  • Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible everyday purchases
  • Complimentary membership to Priority Pass Airport Lounges Worldwide
  • Rates, fees and other information are effective as of July 2, 2020. Subject to change.
   
Legal

* The potential value of savings and rewards during the first 14 months includes the value of the welcome offer, potential savings, the potential value of points earned in the first year, and the value of savings on foreign transaction fees and airport lounge access as of May 22, 2026:

$600 in travel rewards (60,000 bonus Scene+ points) for new Scotiabank Platinum American Express cardholders who make purchases totalling $5,000 in the first 3 months

$200 in travel rewards (20,000 bonus Scene+ points) who make purchases totalling $10,000 in the first 6 months

$200 in travel rewards (20,000 bonus Scene+ points) when you post at least one (1) eligible purchase to your new account in the 14th month following the month the account was opened

$241 in savings on foreign transaction fees based on the average amount of foreign currency purchases made per account in the first year (by saving the 2.5% foreign transaction fee generally charged by credit card issuers);

$1,023 potential first-year points earnings (102,297 Scene+ points) on everyday purchases, based on the average amount of purchases made per account over the past 24 months;

$784 representing the value of Priority Pass membership and airport lounge passes for the primary cardholder (annual membership fee for a 10-visit plan, $454 CAD or $329 USD) and for one additional cardholder (annual membership fee of $137 CAD or $99 USD, plus 4 passes valued at $48 CAD or $35 USD each). Based on the exchange rate in effect on May 22, 2026.

Maximum potential value after 14 months = $3,048 (rounded to $3,000)

The actual value of offers, savings realized and rewards earned will vary depending on card usage and eligibility for offers. Conditions apply.

1 Offer description and terms and conditions: The offer of 100,000 bonus Scene+ points (the “Offer”) applies only to new Scotiabank Platinum American Express credit card accounts (the “Account”) opened between July 2, 2026 and November 1, 2026 (regardless of the date you apply for the Account), subject to the conditions below.

To be eligible for the 60,000 bonus Scene+ points (the “60,000 bonus points offer”), you must charge eligible purchases totalling at least $5,000 within three months of the Account opening date. To be eligible for the 20,000 bonus Scene+ points (the “additional 20,000 bonus points”), you must charge $10,000 in eligible purchases to your new Account during the first six months following the Account opening date. To be eligible for the additional 20,000 bonus Scene+ points (the “additional 20,000 bonus points”), you must make at least one (1) eligible purchase on your new Account during the 14th month following the month in which the Account was opened. Eligible purchases means purchases, less refunds, returns and any other similar credits, and excludes payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees and other fees.

Annual bonus fulfillment: Bonus points will be deposited into the Scene+ account within approximately eight weeks after you become eligible for a bonus, provided the Account is open and in good standing. In the case of a joint Account with a primary borrower and a co-borrower, bonus points will be deposited as follows: (i) the 60,000 bonus points and the 20,000 bonus points will be deposited into the Scene+ account linked to the Account of the borrower who made the transaction that reached the eligible purchase threshold ($5,000 or $10,000) within the applicable timeframe (the first three months or the first six months), and (ii) the additional 20,000 bonus points will be deposited into the Scene+ account linked to the Account of the borrower who made the first transaction considered an eligible purchase in the 14th month following the month the Account was opened. If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 60,000 bonus points or the 20,000 bonus points, or makes the first transaction to earn the additional 20,000 bonus points, the bonus points will be deposited into the Scene+ account linked to the primary borrower’s Account. Points can be transferred between the Scene+ accounts of a primary borrower, a co-borrower, or an additional cardholder by contacting Scene+. An Account is in good standing if it is not delinquent, there is no over-limit on the credit limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the Account. All other program terms continue to apply during the Offer period. The Offer may be changed, cancelled, or extended at any time without notice, and cannot be combined with any other offer.

Eligibility and exclusions: You are not eligible for the Offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or if you have been within the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, Scotiabank small business credit cardholders are eligible for this Offer.

Rates and fees: The current annual fee is $399 for the primary card and $99 for each additional card (including those issued to co-account holders and additional cardholders).
The preferred annual interest rates currently applicable to the Account are as follows: 9.99% on purchases and 9.99% on cash advances (including balance transfers and quasi-cash transactions). All rates, fees, features and benefits described in the application disclosure statement are subject to change.

For a limited time, by signing up for the Scotiabank Platinum American Express® Card, you can earn up to 100,000 Scene+ points, worth up to $3,000 in value over the first 14 months (including about $1,000 in travel rewards from the bonus points).

With the Scotiabank Platinum American Express® Card, you earn 2 points per dollar spent on all purchases. These points can be used against any travel purchase (plane tickets, hotels, all-inclusives, and even Airbnb), and you can also use them for other rewards in the Scene+ program, like cash back.

Plus, with this card, you pay no foreign transaction fees, and you get 10 free accesses to VIP airport lounges (Priority Pass).

And you benefit from excellent insurance for your trips and purchases, premium concierge service, and exclusive American Express Invitations offers.

Annual fee

Primary card$399
Additional card$99

Annual income required

Individual$12,000
Household$12,000

Conversion fees

0%

Earning rate

  • 2xAll spending

Value

1st Year Value$1,141
2nd Year Value$481

Card benefits

Concierge service24/7
Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 31 days
Travel medical (55-64)Up to $2,000,000 / 31 days
Travel medical (65+)Up to $2,000,000 / 10 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $2,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $1,000
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days

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