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Scotiabank® Platinum American Express® review

Name: Scotiabank Platinum American Express
Brand: Scotiabank

4.4Rated 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: ~$600
Foreign tx fee: None
Network: AMEX
Rewards: points
Purchase APR: 19.99%

Rewards & earn rates

Dining & entertainment	4x
Groceries	3x
Everything else	1x

Welcome offer: Up to 60,000 Scene+ points.

Pros & cons

Pros

No FX fee plus lounge access
Strong dining and grocery earning
Premium concierge and travel benefits

Cons

$399 annual fee
Scene+ less flexible than transferable points

Perks & insurance

Key perks

No foreign transaction fee
Airport lounge access (Priority Pass, 10 visits)
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: 19.99%
Cash advance: 22.99%
Foreign transactions: No fee

Last updated June 1, 2026Reviewed by CreditCardGuru Editorial Team

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Annual fee: $156/yr
Welcome bonus: ~$300
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Guru Pick Scotiabank®

Scotiabank® Gold American Express®

4.7·Grocery shoppers and travellers who want no foreign transaction fees

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Welcome bonus: ~$650
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6x on groceries is one of the highest in Canada

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No FX fee

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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® Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/scotiabank-platinum-amex, updated June 1, 2026.