Get up to 100,000 Scene+ points with the Scotiabank Platinum American Express® Card!
Loading article…
Scotiabank Platinum American Express® Card
For a limited time, when you sign up for the Scotiabank Platinum American Express Card, you can earn up to 100,000 Scene+ points, or up to $3,000 in value in 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 on all your purchases. These points can be used toward any travel purchase (flights, hotels, all-inclusives and even Airbnb), and you can also use them for other Scene+ rewards such as cash back.
Plus, with this card, you pay no foreign transaction fees, and you get 10 free airport lounge visits (Priority Pass).
You also get excellent travel and purchase insurance, a premium concierge service and exclusive American Express Invites offers.
- Annual fee
- $399
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$800Total$800$200 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $800
- Welcome offerAfter $10,000 in 6 months
- Up to 100,000 points
- Ends Nov 1, 2026
Apply Now
on Scotiabank's website
A Scene+ Credit Card
The Scene+ program is the loyalty program of Scotiabank, Cineplex theatres and IGA, Sobeys and other grocery stores.
The other main cards in the Scene+ program are the Scotiabank Passport Visa Infinite + Card and the Scotiabank Gold American Express® Card. This allows you to have another source for earning Scene+ points: it is, of course, possible to have a single Scene+ account for all your different credit cards.
This allows you to accumulate numerous points both through sign-up bonuses and through generous accumulation on certain spending categories with the Scotiabank Gold American Express® Card, for example!
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $150 | |||
| $120 | |||
| $0 | |||
| $399 | |||
| $0 |
2 points / dollar
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.
And there’s no annual limit to the number of Scene+ points you can earn!
Scene+ Points Redemption
You can redeem your points directly Scene+ on your travel expenses (flights, hotels, Airbnb, car rentals, etc.) charged to the card: 10,000 Scene+ points = $100.
For example, 100,000 Scene+ points have a value of $1,000!
This is one of the cards we recommend in these strategies:
You must use at least 5,000 points ($50) when redeeming (after this threshold, redemptions are made at the rate of 100 points = $1).
Using your points Scene+ against your travel expenses guarantees you a 2% return on your card purchases.
Benefits of the card
No Foreign Transaction Fee
With this card, you pay no transaction fees for foreign currency purchases. This is an unusual advantage for credit cards in Canada.
This means you will save 2.5% on every foreign currency transaction!
10 annual visits to VIP lounges
This card entitles you to DragonPass membership and complimentary access to airport VIP lounges (including Plaza Premium lounges):
- 10 complimentary visits for the primary cardholder
- 4 complimentary visits for the additional cardholder
For example, you can enter the National Bank Lounge at Montreal-Trudeau International Airport.
Reliable concierge service
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 me a list of things to do/see in a city I was planning to visit (Seoul, 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.
It’s handy if you don’t have (or no longer have) American Express cards from American Express Canada!
Simply register your card on this page.
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 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.
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)
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 may be reimbursed for all necessary and reasonable eligible living expenses incurred due to a flight delay of at least four hours or a missed connection resulting in a waiting period of at least four (4) hours, up to $1,000 per insured person traveling on the same trip.
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.
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).
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.
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.
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
It’s the best card for earning Scene+ points on all purchases.
This Scotiabank Platinum American Express® Card will be a great card for:
- Those who do not want to pay a foreign currency conversion fee
- Those who want reliable insurance
- Those who already have one or more Scene+ cards in their wallet.
Thanks to this exceptional offer, you can earn up to 100,000 Scene+ points (a value of $1,000).
- Annual fee
- $399
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$800Total$800$200 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $800
- Welcome offerAfter $10,000 in 6 months
- Up to 100,000 points
- Ends Nov 1, 2026
Apply Now
on Scotiabank's website
Frequently Asked Questions about Scotiabank Platinum American Express Card
Here are frequently asked questions in the milesopedia community about this card.
Is the Scotiabank Platinum American Express worth its $399 annual fee?
The Scotiabank Platinum American Express carries a $399 annual fee, but the up to 100,000 Scene+ welcome bonus is worth approximately $1,000 on its own, more than offsetting two years of fees. Cardholders earn 2 Scene+ points per dollar on every purchase with no category caps, get 10 complimentary Priority Pass-style lounge visits per year, plus 4 additional visits for supplementary cardholders, and pay no foreign transaction fees, saving 2.5 percent versus typical cards. For travelers spending more than $25,000 per year, the math works out favourably even after year one.
How does the Scene+ redemption rate work on this Scotiabank Platinum Amex?
Scene+ points earned on the Scotiabank Platinum American Express redeem at 10,000 points equals $100, which is 1 cent per point, when applied as a statement credit toward travel booked in the past 12 months on any provider or for direct travel through Scene+ Travel. You can also redeem at grocery checkouts at Sobeys, IGA, FreshCo, and Foodland at the same rate, though smart users typically save points for travel where each Scene+ point holds full value. The 100,000-point welcome bonus therefore translates into $1,000 of usable travel.
Does the Scotiabank Platinum Amex give automatic lounge access?
Yes. The Scotiabank Platinum American Express provides 10 complimentary airport lounge visits per calendar year for the primary cardholder through the Scotiabank Worldwide Lounge program (Priority Pass network of 1,300+ lounges). Supplementary cardholders receive 4 additional visits, useful when traveling as a couple or family. Once you exhaust the included visits, additional entries cost approximately US$32 each. Cardholders also access American Express Front of the Line presale tickets and the 24/7 Amex concierge for restaurant bookings and travel planning, similar perks to the more expensive Amex Platinum.
Is the Scotiabank Platinum Amex accepted everywhere or only at Amex merchants?
The Scotiabank Platinum American Express runs on the American Express network, which has lower acceptance in Canada than Visa or Mastercard, particularly at smaller independent merchants, some grocers, and Costco Canada (which only takes Mastercard). For day-to-day use, milesopedia readers typically pair this card with a free Visa or Mastercard from Scotiabank or another bank to cover the gaps. The Platinum Amex shines for travel bookings, restaurants, hotels, and online purchases where Amex acceptance is excellent and the no-foreign-fee benefit really pays off abroad.