Scotiabank®* Platinum American Express® Card

Scotiabank®* Platinum American Express® Card

A premium American Express Scotia credit card. Earn up to 4 points per dollar on everyday purchases and 10 complimentary annual visits to VIP airport lounges.

Welcome Bonus

30,000 points Ends Feb 28, 2022

Best For

Value
Year 1

$451

Years 2 and +

$151

Annual Fee

$399

Interest rates
Purchase Rates

19.99 %

Cash Advance Rates

22.99 %

Balance Transfer Rates

22.99 %

Your Monthly Spending

Offer

Offer
  • Earn 30,000 bonus Scene+TM points upon first purchase.
  • Earn 4 Scene+ points on every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment.
  • Earn 1 Scene+ point for every $1 you spend on everything else.
  • Complimentary membership to Priority Pass Airport Lounges Worldwide

Card Awards

Best travel credit card Amex Insurance

Fees & Conditions

Personal Income $12,000
Household Income $12,000
Annual Fee $399
First Additional Card $99
Other Additional Card $50
Foreign Transaction Fee 2.5%
Purchase Rates 19.99%
Cash Advance Rates 22.99%
Balance Transfer Rates 22.99%

Value

Year 1
Years 2 and +
Welcome bonus
0 $
Annual credit
Travel benefits
VIP lounges
First-Year Offer Value
Accumulated rewards
Annual fee
Net value
Value

Reward points value

We have established a valuation of the reward point in cents for each loyalty program. More information on the points valuation page.

First-year value

For all credit cards offers, we estimate the value of the welcome offer (bonus, annual fee rebate) in the first year, plus the value of the rewards earned based on your purchases entered in the calculator for the six categories:

  • Grocery
  • Gas/Transit
  • Meals
  • Travel
  • Bills
  • Other purchases

First-Year Net Value = Welcome Bonus Value + Benefits (Annual Credit, VIP lounges, etc.) + Earned Rewards First-Year Annual Fee

Value of subsequent years

For the value of subsequent years, we consider the earned rewards based on your purchases indicated in the calculator and any benefits offered.

Subsequent years’ net value = Earned Rewards + Benefits (Annual Credit, VIP lounges, etc.) Annual fee

VIP lounges:

For credit cards with complimentary airport lounge access, this benefit is calculated as follows:

  • 1 access = $40
  • Unlimited access = $400 (the value of 10 annual visits)

Advantages

Offer ends on Feb 28, 2022
Welcome Bonus 30,000 points
Minimum Spending Required $1
Transferable Points
Rewards Type Travel points
Transfer Partners Scene+
Loyalty Program Scene+
Concierge
Lounge Annual Visits included 10

Earnings

All Spending 1 point
Drugstores 1 point
Groceries 4 points
Convenience Stores 1 point
Gas 4 points
Telecom/Internet 1 point
Local Transport 1 point
Streaming services 1 point
Dining and Food delivery 4 points
Online transactions 1 point
Recurring Payments 1 point
Office Supplies 1 point
Travel 1 point
Entertainment 4 points

Insurance

Common Carrier Travel Accident Insurance Amount $500,000
Flight Delay Insurance Amount $1,000
Delayed Baggage Amount $1,000
Lost/Stolen Baggage Insurance Amount $1,000
Trip Cancellation Insurance Amount Per Person $2,500
Trip Interruption Insurance Amount Per Person $2,500
Travel medical insurance up to 64 years old
Travel medical insurance up to 64 years old - Duration 31 day(s)
Travel medical insurance 65+
Travel medical insurance 65+ - Duration 10 day(s)
Auto Rental Loss/Insurance - Amount MSPP $65,000
Hotel/Motel Burglary Insurance - Amount $1,000
Purchase Protection - Amount $500
Purchase Protection - Duration 90 day(s)
Travel Medical Insurance
Price Protection
Extended Warranty
Extended Warranty - Duration 1 year