Scotiabank Platinum Amex
Churning cardWhat the roles mean
- A big welcome offer: up to 100,000 Scene+ points (about $1,000), plus 10 airport lounge visits and no foreign-transaction fee
Welcome offer now
Earn up to $3,000 in value in the first 14 months, including up to 100,000 bonus Scene+ points.
Ends November 1, 2026.
Checked on Scotiabank's own page November 2, 2026. See Scotiabank's page
What it earns in a year
60,000 points a year
Worth about $201 after the $399 fee.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Everything else: 2× points.
Using your points
On the spending above, 60,000 points a year, worth $600.
- What a point buys (1¢): Travel, groceries at Sobeys, Safeway and FreshCo, or Cineplex: 1,000 points = $10. Same value everywhere. Only the general statement credit pays less (about 0.7¢), so skip it
How to apply for the Scotiabank Platinum Amex
Check first
- Bonus not for recent Scotia cardholders: you can't get it if you held any Scotiabank personal credit card in the past 2 years
- Minimum credit limit $10,000
- Check you qualify Income: $12,000 personal. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on Scotiabank's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on Scotiabank's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Welcome offer: spend $5,000 in 3 months (60,000 points), then reach $10,000 in 6 months (20,000 more). Open the account by November 1, 2026
- The last 20,000 points: need a purchase in month 14, after the second $399 fee. Keep the card only if a second year is worth $399 to you
- Everyday spending: 2 points per $1 on everything. A no-fee 2% Mastercard pays the same without the fee
- Hotels and car rentals: book through Scene+ Travel for up to 5 points per $1
- Travel abroad: no 2.5% foreign-currency fee, and foreign purchases still earn 2 points per $1
- Carry a Visa or Mastercard too: Amex is refused at Costco and some grocers
- Example: $10,000 in the first 6 months = 80,000 bonus + 20,000 earned = $1,000 in points, $601 after the fee
Key facts
- Annual fee
- $399
- Purchase interest
- 9.99%
- Foreign currency fee
- 0%
- Min. personal income
- $12,000
- Min. household income
- None published
- Rewards
- Scene+See every Scene+ card
Annual fee waiver
- None. Scotiabank's Ultimate Package rebate does not cover this card
From scotiabank.com product page, checked October 23, 2026. Not an affiliate link.
More Scotiabank cards
Best paired with
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $442 a year after both fees, vs $201 with this card alone
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- Up to 100,000 bonus points: 60,000 for $5,000 in 3 months, 20,000 at $10,000 in 6 months, 20,000 in month 14
- 2 points per $1 on every purchase, no categories, no cap
- 10 free Priority Pass lounge visits a year (4 for an additional cardholder), plus Plaza Premium lounges
- No foreign-transaction fee
- 9.99% interest on purchases and cash advances, far below most rewards cards
- Rental car damage cover pays first, before your own auto insurance
- Low bar: $12,000 minimum income
Cons
- $399 a year, including year one; $99 per additional card
- No fee rebate: not on the Ultimate Package rebate list
- 2 points per $1 is about 2%: $1,600 a month earns $384 a year, less than the fee
- Second bonus needs $10,000 in 6 months
- Amex: accepted at fewer stores than Visa or Mastercard
- No welcome offer if you held a Scotiabank personal card in the past 2 years
- Scene+ points have no airline transfer partners
Insurance included
- Travel medical: $2 million, first 31 days under 65 (65+: first 10 days); no need to charge the trip
- Trip cancellation: $2,500 per person ($10,000 per trip); charge at least 75% of the trip
- Trip interruption: $5,000 per person ($25,000 per trip)
- Flight delay: $1,000 per person, after 4 hours
- Delayed or lost bags: $1,000 per trip
- Travel accident: $500,000 per person
- Rental car damage: pays first, up to 48 days; cars worth over $65,000 not covered
- Hotel burglary: $1,000, hotels in Canada and the US
- Phone: $1,000
- Purchases: 120 days of theft/damage cover, warranty doubled up to +2 years
Maximums as Scotiabank lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Lounges: Priority Pass, 10 free visits a year (guests count as visits); enrol with code Scotia1
- No foreign-transaction fee: saves $25 on every $1,000 spent in another currency
- Shell: up to 11¢/litre in value (link Scene+ and Shell Go+)
- Hertz: #1 Club Gold membership
- Amex: Front Of The Line presales, Amex Offers, 24/7 concierge
How the offer has changed
One row per check of Scotiabank's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| November 2, 2026 | Unchanged: up to 100,000 bonus Scene+ points ("up to $3,000 in value in the first 14 months"): 60,000 for $5,000 in 3 months, 20,000 for $10,000 in 6 months, 20,000 for one purchase posted in the 14th month. Open the account July 2, 2026 → November 1, 2026Offer window ended November 1, 2026, but on November 2, 2026 the bank's page still advertises this same offer with the same dates; no replacement or extension published. Page text identical to October 23, 2026 | $399, not waived ($99 each additional card) | November 1, 2026 |
| October 23, 2026 | Up to 100,000 bonus Scene+ points ("up to $3,000 in value in the first 14 months"): 60,000 for $5,000 in 3 months, 20,000 for $10,000 in 6 months, 20,000 for one purchase posted in the 14th month. Open the account July 2, 2026 → November 1, 2026First record (card added to the library). 9.99% purchase and cash-advance rate; $12,000 income; not on the Ultimate Package rebate list | $399, not waived ($99 each additional card) | November 1, 2026 |
General information, not financial advice. Offers change; confirm on Scotiabank's page before you apply.