Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$1,190Total$1,190Plus $510 of bonus paid after the first year, 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.
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
The Platinum Card® is the best premium card in Canada for travellers.
With this welcome offer, you can earn up to 100,000 Membership Rewards® points:
70,000 points after charging $10,000 to your Card in your first 3 months of Cardmembership
30,000 points when you make a purchase between the 15th and 17th month after your Cardmembership begins
With this Card, you get:
2 points per $1 on eligible dining and delivery purchases in Canada
2 points per dollar on eligible travel purchases charged to the Card
1 point per $1 on all other purchases charged to the Card
You can use your Membership Rewards® points in many ways:
Transfer points to airline partners: Aeroplan, Avios (British Airways / Qatar Airways), Flying Blue, Delta SkyMiles, etc.
Transfer points to hotel partners, including Hilton Honors and Marriott Bonvoy
Redeem points for statement credits to offset any travel purchase charged to your Card (1,000 points = $10)
Redeem points for statement credits towards other purchases (1,000 points = $10)
And more!
For example, with this welcome offer, if you decide to transfer your Membership Rewards® points to a partner loyalty program, you could earn up to:
100,000 Aeroplan points
100,000 Avios
100,000 Flying Blue Miles
120,000 Marriott Bonvoy points
With this card, you also have advantages for your travels:
$200 Annual Travel Credit
An annual meal credit of $200
A $100 statement credit for NEXUS membership
Complimentary access for you and one additional guest to more than 1,550 airport lounges in over 140 countries
Hilton Honors Gold status
Marriott Bonvoy Gold Elite status
Access to the Fine Hotels + Resorts program
Last but not least, The Platinum Card® offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.
Like all American Express Canada Cards, there is no minimum income requirement.
Legal
*Terms and conditions apply. American Express is not responsible for maintaining or monitoring the accuracy of the information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
Annual fee
Primary card$799
Additional card$250
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
2xTravel
2xRestaurants
1xAll spending
Value
1st Year Value$1,482
2nd Year Value$470
Transfer partners
AeroplanAirline
British Airways ClubAirline
Cathay Asia MilesAirline
Etihad GuestAirline
Flying BlueAirline
Hilton HonorsHotel
Marriott BonvoyHotel
Card benefits
Concierge service24/7
Airport lounge access$400
Travel creditsIncluded
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 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
Auto Rental Collision (primary)Up to $85,000 / 48 days
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$800Total$800Plus $200 of bonus paid after the first year, 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.
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.
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.
Savings at Shell
Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 4 cents per litre in Scene+ points value with a Scotiabank Platinum American Express Card linked to a Shell Go+ Account:
Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on purchases of V-Power® gasoline, or V-Power® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.
Earn up to 4 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 2 Scene+ points per $1 spent. Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 4 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.
Note: Highest value of 11 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Platinum American Express® Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.
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
Their names are very similar, and yet, they are not the same! These cards both give us great advantages, but their characteristics differ. Let’s see which one is the best.
Welcome Bonus
The welcome bonus offered by each of these cards varies according to the promotions.
60,000 points after spending $5,000 on your Card within the first 3 months
20,000 additional points after spending $10,000 within the first 6 months
20,000 additional points by making at least one eligible purchase in the 14th month after account opening
Based on our valuation of Scene+ points (1 cent per point), this welcome bonus is worth approximately $1,000, as part of an offer that can reach $3,000 in savings and rewards over the first 14 months.
Advantage: American Express Platinum Card®.
The American Express Platinum Card® offer provides more points and a higher point value, even though Scotiabank’s enhanced offer (up to 100,000 points and up to $3,000 in savings and rewards) narrows the gap.
2 points per dollar (value of 3.4 cents) on restaurant and bar purchases, food delivery, travel (air, rail, hotel, travel agency, cruise, etc.) and Amex Travel Services purchases (accommodation and car rental);
For simplicity, and if there’s a large portion of the budget related to groceries, recurring bills or subscriptions, pharmacy, gas, entertainment, etc., the Scotiabank Platinum American Express® Card is best. It gives 2 points per dollar on everything!
As a result, the way points are used is different.
For Travel
With the American Express Platinum Card®, you can apply its Membership Rewards points to reimburse any travel purchase charged to the card (airline tickets, hotels, Airbnb, car rentals, etc.), where 1,000 points = $10 in reimbursement.
You can apply them to travel purchases in two ways, thanks to the fixed redemption rate where 10,000 points = $100 credit:
Redeem points directly when booking travel with Scene+ Travel, administered by Expedia.
Make your own travel purchase as you wish and use your points to pay off the card balance.
Advantage: Draw
The two ways of using points for travel are relatively similar for the 2 cards.
For Everyday Shopping
With the American Express Platinum Card®, you can apply Membership Rewards points to everyday purchases charged to the card.
The usage rate is 1,000 points = $10.
A minimum of 1,000 points (minimum $10) must be applied.
You can redeem 1,000 Scene+ points for a $10 discount at the IGA/Sobeys checkout.
Points can also be used to purchase gift cards on the Scotiabank/Scene+ website, from 1,000 to 1,400 points for a $10 discount.
Scene+ points can also be redeemed for:
500 points for a $5 discount at selected restaurants (Harvey’s, Swiss Chalet, etc.);
100 points for $1 off movie tickets at Cineplex;
500 points for $5 off food and beverages at Cineplex, Rec Room and tokens for Playdium ;
At least 14,500 points for a $100 statement credit on any card expense.
Advantage: American Express Platinum Card
With the American Express Platinum Card®, whether you want to use your points for travel or everyday purchases, you’ll get the same value: 1,000 points = $10 less to pay out of pocket.
This is not the case if you want to use Scene+ points for a statement credit on anything, where using your Scene+ points is not advantageous at all.
The Scotiabank Platinum American Express® Card gives you 10 complimentary airport lounge visits per year, from the date you join the program. The card is linked to the DragonPass and Plaza Premium networks.
Once all 10 accesses have been used, the cost is USD 32 per person for entering alounge.
Secondary cardholders enjoy 4 free visits per year.
The American Express Platinum Card® is aimed at all frequent travelers, making life at the airport easier for them as well as for those who stay in hotels and frequent the best restaurants.
Insurance
Insurance
Trip Cancellation Insurance
Up to $5,000
Up to $2,500
Trip Interruption Insurance
Up to $6,000
Up to $5,000
Out-of-Province/Country Emergency Medical Insurance
Up to $5,000,000 15 days
Up to $2,000,000 31 days
Flight delay insurance
Up to $1,000 after 4 hours
Up to $1,000 after 4 hours
Misdirected Baggage Insurance
Up to $1,000 after 6 hours
Up to $1,000 after 4 hours
Lost or stolen luggage insurance
Up to $1,000
Up to $1,000
Hotel Burglary Insurance
Up to $1,000
Up to $1,000
Car Rental Theft and Damage Insurance
Up to $85,000
Up to $65,000
Travel Accident Insurance
$500,000
$500,000
Purchase Protection Plan
1 additional year
1 additional year
Buyer’s Assurance Protection Plan
Up to $1,000 120 days
Up to $1,000 120 days
Standby medical concierge service
Included
–
Mobile Device Insurance
–
Up to $1,000
Advantage: American Express Platinum Card®.
The insurances offered by the two cards are similar on several coverages, but the American Express Platinum Card® is slightly superior.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$1,190Total$1,190Plus $510 of bonus paid after the first year, 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.
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
The Platinum Card® is the best premium card in Canada for travellers.
With this welcome offer, you can earn up to 100,000 Membership Rewards® points:
70,000 points after charging $10,000 to your Card in your first 3 months of Cardmembership
30,000 points when you make a purchase between the 15th and 17th month after your Cardmembership begins
With this Card, you get:
2 points per $1 on eligible dining and delivery purchases in Canada
2 points per dollar on eligible travel purchases charged to the Card
1 point per $1 on all other purchases charged to the Card
You can use your Membership Rewards® points in many ways:
Transfer points to airline partners: Aeroplan, Avios (British Airways / Qatar Airways), Flying Blue, Delta SkyMiles, etc.
Transfer points to hotel partners, including Hilton Honors and Marriott Bonvoy
Redeem points for statement credits to offset any travel purchase charged to your Card (1,000 points = $10)
Redeem points for statement credits towards other purchases (1,000 points = $10)
And more!
For example, with this welcome offer, if you decide to transfer your Membership Rewards® points to a partner loyalty program, you could earn up to:
100,000 Aeroplan points
100,000 Avios
100,000 Flying Blue Miles
120,000 Marriott Bonvoy points
With this card, you also have advantages for your travels:
$200 Annual Travel Credit
An annual meal credit of $200
A $100 statement credit for NEXUS membership
Complimentary access for you and one additional guest to more than 1,550 airport lounges in over 140 countries
Hilton Honors Gold status
Marriott Bonvoy Gold Elite status
Access to the Fine Hotels + Resorts program
Last but not least, The Platinum Card® offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.
Like all American Express Canada Cards, there is no minimum income requirement.
Legal
*Terms and conditions apply. American Express is not responsible for maintaining or monitoring the accuracy of the information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
Annual fee
Primary card$799
Additional card$250
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
2xTravel
2xRestaurants
1xAll spending
Value
1st Year Value$1,482
2nd Year Value$470
Transfer partners
AeroplanAirline
British Airways ClubAirline
Cathay Asia MilesAirline
Etihad GuestAirline
Flying BlueAirline
Hilton HonorsHotel
Marriott BonvoyHotel
Card benefits
Concierge service24/7
Airport lounge access$400
Travel creditsIncluded
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 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
Auto Rental Collision (primary)Up to $85,000 / 48 days
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$800Total$800Plus $200 of bonus paid after the first year, 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.
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.
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.
Savings at Shell
Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 4 cents per litre in Scene+ points value with a Scotiabank Platinum American Express Card linked to a Shell Go+ Account:
Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Scotiabank debit card or credit card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Scotiabank debit card and per Scotiabank credit card account. This total limit resets at the start of each new month per payment card account. This discount is subject to the Scotiabank Fuel Benefit Terms and Conditions.
Instant 4 cents per Litre Discount on Premium Fuel: Between May 26, 2026 and June 1, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on purchases of V-Power® gasoline, or V-Power® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Scotiabank credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Scotiabank Fuel Benefit Terms and Conditions.
Earn up to 4 cents per Litre in Scene+ points Value (Equivalent) on Fuel Purchases: Each time you use your linked Scotiabank credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 2 Scene+ points per $1 spent. Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Scotiabank credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 4 cents of redeemable Scene+ points value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell locations. Actual value may be lower depending on how you choose to redeem your Scene+ points. Earn and redemption limits may apply. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.
Note: Highest value of 11 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Platinum American Express® Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.
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
Frequently Asked Questions about the American Express Platinum Card and the Scotiabank Platinum American Express Card
The Platinum Card® from American Express currently offers up to 100,000 Membership Rewards points (valued at approximately $1,700). The Scotiabank Platinum American Express® Card offers up to 100,000 Scene+ points (valued at approximately $1,000). The Platinum Card® from American Express maintains the advantage in terms of welcome bonus value, primarily due to the flexibility of Membership Rewards points being transferable to several airline partners at a 1:1 ratio, but the Scotiabank offer has closed the gap with up to 100,000 points and up to $3,000 in savings and rewards.
What are the annual fees and their offsetting credits?
The American Express Platinum Card® costs $799 per year, but it includes an annual $200 travel credit and an annual $200 dining credit, bringing the effective net cost down to approximately $399. The Scotiabank Platinum American Express® Card has an annual fee of $399 with no offsetting credit, so the same effective net cost as the American Express Platinum, but with more modest premium benefits.
Which card should you choose between the two Platinum cards?
For frequent international travellers, the American Express Platinum Card® dominates: unlimited access to Centurion and Priority Pass lounges worldwide, flexible point transfers to multiple airline programs, and automatic Hilton Honors Gold status. For everyday spenders who travel occasionally (fewer than 10 trips per year), the Scotiabank Platinum American Express® offers excellent value with its 10 complimentary lounge passes and flat rate of 2 points everywhere.
To Go Further with American Express Membership Rewards Points
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