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Scotiabank Platinum American Express review

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 & entertainment4x
Groceries3x
Everything else1x

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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