Scotiabank®  Gold American Express® Card

Scotiabank® Gold American Express® Card

Up to $950 value, including up to 50,000 bonus Scene+ points*

American Express Platinum Card
Guru Pickrewardstravel

American Express Platinum Card

4.7

Welcome bonus

Up to 110,000 Membership Rewards points

  • 3x dining & food delivery
  • 2x travel
  • 1x everything else
Annual fee
$799
Interest rates

Purchases

21.99%

Cash advances

21.99%

Foreign transactions
2.5%

Rated by the CreditCardGuru Editorial Team

Canada's flagship premium travel card. The lounge access, travel credits and hotel status can outweigh the steep fee for those who travel often — and the points are the most flexible going.

At a glance

Annual fee
$799
Welcome bonus
$1,200
Foreign tx fee
2.5%
Network
AMEX
Rewards
points
Purchase APR
21.99%

Rewards & earn rates

Dining & food delivery3x
Travel2x
Everything else1x

Welcome offer: Up to 110,000 Membership Rewards points.

Pros & cons

Pros

  • Best lounge access in Canada
  • Premium travel credits and hotel status
  • Flexible, transferable Membership Rewards points

Cons

  • $799 annual fee
  • 2.5% foreign transaction fee

Perks & insurance

Key perks

  • Unlimited airport lounge access (Centurion, Priority Pass & more)
  • $200 annual travel credit
  • Hotel elite status & NEXUS rebate
  • Transfer points 1:1 to airline & hotel partners

Insurance

  • Comprehensive travel emergency medical
  • Trip cancellation & interruption
  • Flight & baggage delay
  • Rental car collision/loss damage

Rates & fees

Annual fee
$799
Purchase interest
21.99%
Cash advance
21.99%
Foreign transactions
2.5%
Last updated June 1, 2026Reviewed by CreditCardGuru Editorial Team
Terms & conditions

Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but American Express can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on American Express's own website before you apply.

Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and American Express's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

CreditCardGuru is not affiliated with American Express. Trademarks belong to their respective owners.

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Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

  • 200+ Canadian cards tracked
  • Transparent rating methodology
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Cite this page

American Express Platinum Card Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/amex-platinum, updated June 1, 2026.

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