Illustration, not the actual card design.
Scotiabank · Earns Scene+ points
Scotiabank Platinum American Express
Annual fee
$399
Welcome offer
Up to 100,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $5,000 in your first 3 months.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$401
+$800 welcome bonus
+$0 yearly credits
−$399 fee
Year 2
−$199
Costs $199 a year until your spending covers it.
Every year after
−$399
Costs $399 a year until your spending covers it.
Plus 17 benefits with no fixed dollar value, like American Express Experiences, Amex Offers and Complimentary Concierge. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Sep 28, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Ends Nov 1, 2026. Not available if you have, or in the past 2 years had, any Scotiabank personal credit card as primary or additional cardholder, including if you switch from one. Scotiabank employees are not eligible.
- 1Spend $5,000 in your first 3 months60,000 pts≈ $600 est.Year 1
- 2Spend $10,000 in your first 6 months20,000 pts≈ $200 est.Year 1
- 3Make a purchase in your 14th month20,000 pts≈ $200 est.Year 2
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 1¢ per Scene+ point.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Everything else | 2 pts per $ | 2¢ |
What else you get
Perks · 5
- American Express Experiences
Presales and reserved tickets through Front Of The Line and Amex Experiences
- Amex Offers
Merchant offers you add to your card for statement credits or bonus points
- Complimentary Concierge
24/7 concierge for travel, dining and events
- No Foreign Transaction Fees
No 2.5% foreign transaction fee on purchases abroad or online; only the exchange rate applies
Show all 5Show fewer
- Priority Pass Lounge Visits
10 free Priority Pass visits a year at 1,200+ lounges; supplementary cardholders get 4
Worth about US$35 per person, per visit · Priority Pass's price, Standard membership visit fee, checked Oct 2026
Enroll first
Insurance · 11
- Emergency Medical Insurance
Out-of-province emergency medical, up to $2,000,000, first 31 days of a trip under 65, 10 days if 65 or over
- Trip Cancellation Insurance
Up to $2,500 per person and $10,000 per trip if you cancel before departure
- Trip Interruption Insurance
Up to $5,000 per person and $25,000 per trip if a trip is cut short
- Flight Delay Insurance
Meals and hotel when a flight is delayed 4+ hours, up to $1,000 per person
Show all 11Show fewer
- Delayed and Lost Baggage Insurance
Delayed, lost or stolen checked bags, up to $1,000 per trip
- Rental Car Collision Damage Insurance
Damage or theft of a rental car, rentals up to 48 days, vehicles up to $65,000
- Hotel Burglary Insurance
Belongings stolen from your hotel room in Canada or the US, up to $1,000
- Travel Accident Insurance
Accidental death or dismemberment on a plane, train, bus or ship, up to $500,000 per person
- Mobile Device Insurance
New phone or tablet lost, stolen, broken or damaged, up to $1,000
- Purchase Protection
Most new purchases protected against theft, loss or damage for 120 days
- Extended Warranty
Doubles the manufacturer's warranty, up to 2 extra years
Status
- Hertz #1 Club Gold
Hertz Gold: faster service and less paperwork at 8,500+ locations
Enroll first
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PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by Scotiabank. Card and program names belong to their owners.
Details last checked Sep 28, 2026.