Scotiabank®  Gold American Express® Card

Scotiabank® Gold American Express® Card

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

Scotiabank®  Platinum American Express® Card
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Scotiabank® Platinum American Express® Card

4.4

Welcome bonus

Up to 100,000 Scene+ points*

  • 4x scene+ travel
  • 2x everything else
Annual fee
$399
Interest rates

Purchases

9.99%

Cash advances

9.99%

Foreign transactions
No FX fee

Rated by the CreditCardGuru Editorial Team

Scotiabank's premium Amex: no foreign transaction fees, Priority Pass lounge visits and strong dining/grocery earning. A luxury all-rounder for Scene+ collectors.

At a glance

Annual fee
$399
Welcome bonus
$1,454
Foreign tx fee
None
Network
AMEX
Rewards
points
Purchase APR
9.99%

Rewards & earn rates

Scene+ Travel4x
Everything else2x

Welcome offer: Up to 100,000 Scene+ points*.

Pros & cons

Pros

  • Save up to 11 cents/litre at Shell
  • No FX fee plus lounge access
  • Strong 2X points on all categories
  • Premium concierge and travel benefits

Cons

  • $399 annual fee
  • Scene+ less flexible than transferable points

Perks & insurance

Key perks

  • No foreign transaction fee
  • 10 VIP Airport lounge passes
  • Complimentary concierge & dining/hotel benefits

Insurance

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

Rates & fees

Annual fee
$399
Purchase interest
9.99%
Cash advance
9.99%
Foreign transactions
No fee
Min. personal income
$12,000
Last updated August 19, 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 Scotiabank can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on Scotiabank'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 Scotiabank'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 Scotiabank. 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.

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Cite this page

Scotiabank® Platinum American Express® Card Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/scotiabank-platinum-amex, updated August 19, 2026.

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