Reward Type: Travel Rewards

Refer to RBC page for up to date offer terms and conditions

^† Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 35,000 Avion points for one round-trip long-haul flight to almost anywhere in Canada or the United States with a maximum ticket price of $750, you will need a minimum of 70,000 Avion Points for two round-trips long-haul flights to almost anywhere in Canada or the United States, exclusive of Hawaii and Alaska. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

¹ This offer only applies to new applications for an RBC Avion Visa Infinite Privilege credit card received between « July 16, 2026 » and « August 12, 2026 » (« Offer Period ») and approved by Royal Bank of Canada (« Royal Bank ») subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Avion Visa Infinite Privilege credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an RBC Avion Visa Infinite Privilege credit card account during the offer period, are not eligible for the offer.

35,000 welcome Avion points (« Welcome Points ») will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC Avion Visa Infinite Privilege credit card account (« Credit Card Account ») remains open and in good standing at the time the Welcome points are credited to your account, « good standing » meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.

You will receive 20,000 bonus Avion points (« Bonus Points ») if a total of $5,000 or more (« Qualifying Transaction Amount ») in qualifying net purchases and/or pre-authorized bill payment transactions (« Qualifying Transactions ») are posted to your Credit Card Account within the first six (6) months from your Credit Card Account opening date (« Period »). The Bonus Points will appear on your monthly credit card statement within sixty (60) days after you reach $5,000 in Qualifying Transactions, provided your Credit Card Account remains open and in good standing at the time the Bonus Points are credited to your account.

Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.

15,000 additional Avion points (« Anniversary Points ») will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks after the one-year anniversary of your account opening, provided that your Credit Card Account remains open and in good standing at the time the Anniversary Points are credited to your account.

If you close or change your Credit Card Account for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Anniversary Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.

*Conditions apply. Information sheet.

*Conditions apply. Information sheet.

* The potential value of savings and rewards during the first 12 months includes the value of the welcome offer, the potential value of points earned in the first year and the value of foreign transaction fee savings as of May 22, 2026:

$300 in travel rewards (30,000 bonus Scene+ points) for new Scotiabank Gold American Express Cardholders who make purchases totaling $2,000 in the first 3 months

$200 in travel rewards (20,000 bonus Scene+ points) for making purchases totaling $7,500 in the first 12 months

$59 in foreign transaction fee savings based on the average annual amount of foreign currency purchases made per account over the last 24 months (saving on the 2.5% foreign transaction fee typically charged by other credit card issuers);

$398 corresponding to the potential value of points earned in the first year (38,500 Scene+ points) based on the average amount of purchases made, per account, over the last 24 months, assuming an average spend of 28% of purchases in categories eligible for accelerated earn rates of 6X, 5X and 3X points.

Maximum potential value after the first year = $957 (rounded to $950)

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 Conditions: The 50,000 Scene+ points offer (the « Offer ») applies only to new Scotiabank Gold American Express credit card accounts (the « Accounts ») opened between July 2, 2026, and November 1, 2026 (regardless of the date you apply for the account), subject to the conditions below. All other program terms and conditions 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.

50,000 Bonus Scene+ Points Offer Description and Conditions: To qualify for the 30,000 bonus Scene+ points (the « 30,000 Bonus Points Offer »), you must make eligible purchases totaling at least $2,000 within three months of the account opening date. To qualify for the 20,000 bonus Scene+ points (the « 20,000 Additional Bonus Points Offer »), you must make $7,500 in eligible purchases on your new account during the first year (twelve months). Eligible purchases mean purchases, less refunds, returns and any other similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees and other fees.

Fulfillment of the Annual Bonus: Bonus points will be credited to the Scene+ account within approximately eight weeks after you qualify 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 credited as follows: (i) the 30,000 bonus points and the 20,000 additional bonus points will be credited to the Scene+ account linked to the account of the borrower who made the transaction that reached the eligible purchase threshold ($2,000 or $7,500) within the appropriate timeframe (the first three months or the first 12 months). If a supplementary cardholder makes the transaction that reaches the eligible purchase threshold for the 30,000 bonus points or the 20,000 additional bonus points, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. Points can be transferred between the Scene+ accounts of a primary borrower, co-borrower or supplementary cardholder by contacting Scene+. An account is in good standing if it is not delinquent, the credit limit is not exceeded, and the holder(s) have complied with the terms of the Revolving Credit Agreement applicable to the account. All other program terms and conditions 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 Scotiabank personal credit cardholder or have been one within the last 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 fees are $120 for the primary card and $29 for each supplementary card (including those issued for co-borrowers and supplementary cardholders). The current preferred annual interest rates applicable to the account are as follows: 21.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). Rates, fees, features and benefits, which are described in the application disclosure statement, are subject to change.

1 Offer Descriptions and Conditions: The 5,000 bonus Scene+ points offer (the « Offer ») applies only to new Scotiabank Scene+ Visa credit card accounts (the « Account ») opened between July 2, 2026 and November 1, 2026 (regardless of when you apply for the Account), subject to the conditions below.

To be eligible for the 2,500 bonus Scene+ points (the « 2,500 Bonus Points Offer »), you must charge eligible purchases totaling at least $250 within three months of the Account opening date. To be eligible for the additional 2,500 bonus Scene+ points (the « Additional 2,500 Bonus Points Offer »), you must charge $1,000 in eligible purchases to your new Account during the first three months. Eligible purchases mean purchases, less refunds, returns and any other similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees and other charges.

Bonus points will be credited to 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 credited as follows: (i) the 2,500 bonus points and the additional 2,500 bonus points will be credited to the Scene+ account linked to the Account of the borrower who made the transaction that reached the eligible purchase threshold ($250 or $1,000) within the appropriate timeframe (the first three months). If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 2,500 bonus points or the additional 2,500 bonus points, the bonus points will be credited to the Scene+ account linked to the primary borrower’s Account. Points can be transferred between the Scene+ accounts of a primary borrower, co-borrower or additional cardholder by contacting Scene+. An Account is in good standing if it is not past due, there is no over-limit situation and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the Account. All other program conditions continue to apply during the Offer period. The Offer may be modified, cancelled or extended at any time without notice and cannot be combined with any other offer.

Eligibility and Exclusions: You cannot take advantage of the Offer if you are currently or have been within the past two years a primary or secondary cardholder of a Scotiabank personal credit card, 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: There are currently no annual fees for the primary card and additional cards (including those issued to joint account holders and additional cardholders). The preferred annual interest rates currently applicable to the Account are as follows: 21.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). All rates, fees, features and benefits described in the application disclosure may be changed.

1 Offer Descriptions and Conditions: The 10,000 bonus Scene+ points offer (the « Offer ») applies only to new Scotiabank American Express credit card accounts (the « Account ») opened between May 1, 2026, and November 1, 2026 (regardless of the date you apply for the Account), subject to the conditions below.

To be eligible for the 2,500 bonus Scene+ points (the « 2,500 Bonus Points Offer »), you must make eligible purchases totaling at least $250 within three months of the Account opening date. To be eligible for the additional 7,500 bonus Scene+ points (the « 7,500 Additional Bonus Points Offer »), you must make $1,000 in eligible purchases on your new Account during the first three months. Eligible purchases mean purchases, less refunds, returns, and any other similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees, and other fees.

Fulfillment of the Annual Bonus: Bonus points will be credited to the Scene+ Account 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 credited as follows: (i) the 2,500 bonus points and the 7,500 additional bonus points will be credited to the Scene+ Account linked to the account of the borrower who completed the transaction to reach the eligible purchase threshold ($250 or $1,000) within the appropriate timeframe (the first three months). If an additional cardholder completes the transaction to reach the eligible purchase threshold for the 2,500 bonus points or the 7,500 additional bonus points, the bonus points will be credited to the Scene+ Account linked to the primary borrower’s account. Points can be transferred between the Scene+ Accounts of a primary borrower, co-borrower, or additional cardholder by contacting Scene+. An account is in good standing if it is not overdue, does not exceed the credit limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement applicable 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 holder of a Scotiabank personal credit card or have been within the last 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: There are currently no annual fees for the primary card and supplementary cards (including those issued for joint account holders and additional cardholders). The preferred annual interest rates currently applicable to the account are: 21.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). All rates, fees, features, and benefits, as described in the application statement, are subject to change.

* 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 within the first 3 months; $200 in travel rewards (20,000 bonus Scene+ points) when you make purchases totalling $10,000 within 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: 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 when you apply for the Account), subject to the terms below. To be eligible for the 60,000 bonus Scene+ points (the “60,000 bonus points offer”), you must post at least $5,000 in total eligible purchases 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 post $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 post at least one (1) eligible purchase to your new Account in the 14th month following the month the Account was opened. Eligible purchases are purchases, less refunds, returns and any other similar credits, and exclude 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.

*See the RBC website for the offer terms and conditions.