Scotiabank Platinum American Express Card Review

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Discover big rewards when you pay for your purchases with Scotiabank Platinum American Express Card.

Earn 4 Scotia Rewards points for every $1 spent on eligible purchases and receive 30,000 bonus points upon first purchase.


Purchase Interest Rate


Annual Fee


Balance Transfer Rate


Product NameScotiabank Platinum American Express Card
RewardEarn 4x Scotia Rewards points per $1 spent at grocery stores, gas stations, dining and entertainment purchases.
Welcome OfferReceive 30,000 bonus Scotia Rewards points upon first eligible purchase within the first two months. Ends March 1, 2020.
Required DepositN/A
Purchase Interest Rate19.99%
Cash Advance Rate22.99%
Balance Transfer Rate22.99%
Interest Free Period Up to 21 days
Minimum Credit Limit$10,000
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30-second take

  • Get this card if you want the chance to earn quadruple the Scotia Rewards points on daily purchases.
  • Choose something else if you’re not a frequent traveler or would rather not pay an annual fee.
  • You must have a minimum annual income of $12,000.

The basics

If you enjoy luxury travel at a fraction of the cost and you’re looking for a top-rated travel rewards card with all the bells and whistles, then the Scotiabank Platinum American Express Card might be just the ticket.

Earn 4x Scotia Rewards points for every $1 spent on eligible purchases including gas, groceries, dining and entertainment. For everything else, earn 1 point.

And if that’s not enough, unlock 30,000 bonus points on your first purchase when you apply today.

Beyond travel rewards

If you’re not planning to travel in the near future but you want to redeem your rewards, you can choose from a wide selection of merchandise and gifts offered by Scotia Rewards. It’s also possible to convert your points to SCENE movie points (or vice-versa) anytime you want. Remember that you must have a SCENE account to convert Scotia Rewards points to SCENE points and rate conversions do apply.

The perks

  • No blackout dates. Redeem your Scotia Rewards for travel anytime, anywhere, with no travel restrictions.
  • Exclusive benefits. Access complimentary concierge services and all the perks of the Scotia Rewards Travel Service.
  • Airport Lounge Access. Enjoy Priority Pass membership plus 10 free visits to over 600+ VIP airport lounges worldwide.
  • Best Price Guarantee on airfare. Earn points credit when you find an airfare that is at least $10 less than the airfare you’ve booked. Flights must have the exact same itinerary and your claim must be sent within 24 hours of initial purchase.
  • Hertz #1 Club Gold Member. Enjoy special privileges and benefits at over 8,500 Hertz car rental locations across 147 countries.
  • Price Protection Service. File a claim if your recent purchase drops in price within 60 days and receive the price difference up to $100 per item and $500 per calendar year.
  • Purchase insurance. Get extended warranty and insurance coverage to cover theft, loss or damage on most items purchased with your card (for 90 days from purchase date).
  • Travel insurance. Take advantage of comprehensive travel insurance to cover car rental theft or collision, flight cancellations/interruptions, baggage delays or lost luggage, hotel burglaries and other incidentals. This comes on top of up to $2,000,000 in Travel Emergency Medical Insurance and up to $1,000,000 in Travel Accident Insurance.
  • Optional coverage. Pay only $1.09 per $100 of the daily balance on your credit card account to receive a monthly benefit of 20% of your credit card balance. This balance is paid out for a range of life events including disability, job loss, strike, critical illness or loss of life.
  • World class service. Contact customer service 24/7 to report issues with your account and troubleshoot problems by speaking directly to an agent.

American Express benefits

American Express offers cardholders front-of-the-line access to in-demand music, sports, dining, entertainment, fashion experiences and more. Get exclusive access to an array of unique experiences complete with red carpet treatment with your Platinum VIP Pass.

What to watch out for

  • Not as widely accepted overseas.The Scotiabank Platinum American Express Card may not be accepted in certain location overseas.
  • High annual fee. You have to pay an annual fee of $399 for the card, with each additional card costing $99.
  • High minimum credit limit. The minimum credit limit is $10,000 which is higher than many other credit cards.

What do other customers say?

Many customers are pleased with the 4x return on travel rewards offered by the Scotiabank Platinum American Express Card. Flexible rewards are a big draw for some cardholders – who enjoy the ability to use their Scotia Rewards points interchangeably with their SCENE points. Those who travel frequently are happy to take full of advantage of perks like free airport lounge access, comprehensive travel insurance and Platinum VIP status. However, some customers prefer to opt for a fee-free or low-fee card instead of shelling out the $399 annual fee for the Scotiabank Platinum American Express Card.

What should I know before I apply

How to apply

  1. Click Go to site on this page to be securely directed to your Scotiabank Platinum American Express Card application.
  2. Read through the Disclosure Statement details and click Accept & continue.
  3. Complete the application with details that include your name, email address, social insurance number and birth date.
  4. Review and submit your application.

Bottom line

The Scotiabank Platinum American Express Card offers hard-to-beat travel rewards points on eligible purchases. The card provides a full suite of travel and purchase insurance along with some high-end extras, including complimentary airport lounge access, exclusive access to in-demand dining and entertainment experiences and much more.

If you’re looking for a comprehensive travel card and don’t mind paying the annual fee, then this card might be right up your alley. And don’t forget to ask about the opportunity to earn 30,000 bonus points on your first purchase when you sign up today.

Frequently asked questions about the Scotiabank Platinum American Express Card


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