Scotiabank · Amex
Scotiabank Platinum American Express Card
Cash back · Low interest · No foreign transaction fee · Travel points, earns Scene+ points
Welcome offer
Verified · Oct 11Up to 100,000 Scene+ points
Earn 60,000 points when you spend $5,000 within 3 months, plus 20,000 points when you reach $10,000 within 6 months, plus 20,000 points when you make a purchase in month 14.
- Minimum spend
- $10,000 in 14 months
- Apply by
- November 1, 2026
The last 20,000 points are paid in the second year, which means paying the second year's annual fee.
Checked on October 11, 2026. See the source page
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- $399
- Foreign transaction fee
- None
- Purchase rate
- 9.99%
- Cash advance rate
- 9.99%
- Income requirement
- Personal $12,000 or Household $12,000
- Costco in store
- Not accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026, and the annual fee has been checked.
Welcome offer history
I have tracked this card's welcome offer since October 11, 2026, and it has not changed. Each time it changes, the old offer will be struck through and kept here.
- Now · Checked October 11, 2026Up to 100,000 Scene+ pointsSpend $10,000 in 14 months · Annual fee $399 · No first-year waiver
Rewards
What each category earns
| Category | Earn per $1 | Effective return |
|---|---|---|
| Groceries | 2× Scene+ | about 2% |
| Dining and delivery | 2× Scene+ | about 2% |
| Gas and EV charging | 2× Scene+ | about 2% |
| Recurring bills | 2× Scene+ | about 2% |
| Transit | 2× Scene+ | about 2% |
| Drugstores | 2× Scene+ | about 2% |
| Travel | 2× Scene+ | about 2% |
| Entertainment | 2× Scene+ | about 2% |
| Phone and internet | 2× Scene+ | about 2% |
| Streaming | 2× Scene+ | about 2% |
| Online shopping | 2× Scene+ | about 2% |
| Convenience stores | 2× Scene+ | about 2% |
| Office supplies | 2× Scene+ | about 2% |
| Other spending | 2× Scene+ | about 2% |
High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. Imported on September 6, 2026, not checked line by line.
Benefits
- Concierge
- Yes
- Lounge visits per year
- 10
Included insurance
- Travel medical
- Included
- Travel medical (age 54 and under)
- $2,000,000, 31 day(s)
- Travel medical (age 64 and under)
- $2,000,000, 31 day(s)
- Travel medical (age 65 and over)
- $2,000,000, 10 day(s)
- Trip cancellation
- $2,500
- Trip interruption
- $2,500
- Travel accident
- $500,000
- Flight delay
- $1,000
- Baggage delay
- $1,000
- Lost baggage
- $1,000
- Rental car collision
- $65,000, 48 day(s)
- Hotel burglary
- $1,000
- Extended warranty
- 1 year
- Purchase protection
- 120 day(s)
- Mobile device
- $1,000, 1 year
Coverage amounts and number of days are as stated in the certificate of insurance.