Top Pick
Travel Rewards
Low Interest
Premium / High-End
Scotiabank® Platinum American Express® Card
Scotiabank®
Earn up to $3,000 in value in 14 months, including 100,000 bonus Scene+ points.*
Welcome Bonus:
Earn up to $3,000 in value in the first 14 months, including up to 100,000 bonus Scene+ points.*
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$200 cash rebate
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Annual Fee
$399
Purchase APR
9.99%
Cash Advance
9.99%
Bonus Value
$3,000
RateBuddy Verdict
RateBuddy Take
The Scotiabank Platinum American Express Card delivers a premium combination of travel rewards, lounge access, no foreign transaction fees, extensive insurance and a low 9.99% interest rate. Cardholders earn 2 Scene+ points per $1 on all eligible purchases and up to 5 points through eligible Scene+ Travel bookings. The advertised offer of up to $3,000 in value during the first 14 months adds substantial potential value for eligible new cardholders who can use its travel and lifestyle benefits.
The Good
- Earn up to $3,000 in value during the first 14 months, including up to 100,000 bonus Scene+ points, subject to applicable offer conditions.
- Enjoy 10 complimentary lounge visits annually for primary cardholders, no foreign transaction fees and 2 Scene+ points per $1 on all eligible purchases.
- Includes a low 9.99% purchase and cash-advance rate, extensive travel insurance, Mobile Device Insurance, premium Amex experiences and 24/7 concierge service.
The Trade-offs
- The card has a $399 annual fee and a $99 annual fee for each supplementary card.
- The maximum advertised welcome value is measured over the first 14 months and is subject to applicable offer requirements and conditions.
- The enhanced earn rate of up to 5 Scene+ points per $1 is limited to eligible hotels and car rentals booked through Scene+ Travel, while other eligible purchases earn 2 points per $1.
Rewards & Earnings
Base Rate
—
Rewards Summary:
Earn 2 Scene+ points per $1 on all eligible purchases, including eligible travel purchases. Plus, earn 3 additional points per $1 on eligible hotels and car rentals booked through Scene+ Travel, Powered by Expedia, for up to 5 points per $1. Redeem points for travel, groceries, entertainment, eligible account credits and more. Some redemption options require a minimum number of points.
Welcome Bonus Details
Earn up to $3,000 in value during the first 14 months, including up to 100,000 bonus Scene+ points. Reaching the maximum advertised value and bonus-point amount is subject to applicable offer requirements, eligibility restrictions and conditions.*
Estimated Value: $3,000
Features & Benefits
No Foreign Transaction Fees
Airport Lounge Access
Value: 10
Travel Medical Insurance
Value: 2000000
Mobile Device Insurance
Value: 1000
Trip Cancellation/Interruption Insurance
Value: 25000
Extended Warranty Insurance
Value: 2
Purchase Security Insurance
Value: 120
Low Purchase Interest
Value: 10
Concierge Service
Flight Delay Insurance
Value: 1000
Baggage Delay/Loss Insurance
Value: 1000
Common Carrier Accident Insurance
Value: 500000
Hotel/Motel Burglary Insurance
Value: 1000
Additional Perks
Premium travel and lifestyle benefits include 10 complimentary airport lounge visits annually for primary cardholders, no foreign transaction fees, up to 11¢/L in value at Shell, Amex Experiences, exclusive Amex Offers, premium lifestyle access, 24/7 concierge service, Hertz #1 Club Gold membership and Scotia SelectPay. Conditions apply.
Insurance Coverage
Comprehensive built-in coverage includes up to $2 million in emergency medical insurance, trip cancellation and interruption insurance, flight and baggage delay coverage, rental-car protection, hotel burglary insurance, travel accident insurance, up to $1,000 in Mobile Device Insurance, 120-day Purchase Security and Extended Warranty Protection for up to two additional years. Eligibility, payment requirements, limits and exclusions apply.
Rates, Fees & Eligibility
| Purchase APR | 9.99% |
|---|---|
| Cash Advance APR | 9.99% |
| Annual Fee | $399 |
| Supplementary Card Fee | $99 |
| Foreign Transaction Fee | 0% |
| Income Required |
Personal: $12,000 |
| Recommended Credit Score | — |
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Filed Under
Travel Rewards
Low Interest
Premium / High-End
Rewards
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