【October 5, 2026 update】 The blog’s partner cash-back site has raised the extra reward again, to $225, on top of the official $1,000 welcome offer. Details are in the welcome-offer section below.

Apply here🔗 (using this blog’s referral link supports the writing)

【August 18, 2026 update】 The blog’s partner cash-back site raised the extra reward to $200, on top of the official $1,000 welcome offer.

Highlights

  • Includes travel emergency medical, cancellation, interruption, delay, baggage, and rental-car insurance.
  • Airport lounge access: 10 visits for the primary cardholder and four for supplementary-card holders

Who it’s for: This card suits frequent travellers who can use 10 annual lounge visits for the primary card and four for supplementary cards, and who value broad travel insurance. Hotels and car rentals booked through Scene+ Travel powered by Expedia earn 5x, while other eligible purchases earn 2x. If most of your spending is outside travel, hotels, and car rentals, the $399 annual fee is harder to justify.

Scotiabank Platinum American Express Card

The Scotiabank Platinum American Express Card is aimed at frequent travellers who can make good use of its lounge visits, travel insurance, and flexible Scene+ points. Read our Scene+ points guide for details on the rewards program.

Issuer: Scotiabank Network: American Express Card type: Credit card Annual fee: $399; supplementary card: $99 Foreign transaction fees: none

This card earns Scene+ points at a value of 100 points = $1.

Read more: 🇨🇦 Scene+ Rewards Program Guide for Canada

Welcome offer

【August 18, 2026 official offer】 Earn 100,000 Scene+ points plus an extra $200 cash reward:

  • Apply between July 2 and November 1, 2026.
  • Spend $5,000 in the first three months to earn 60,000 bonus Scene+ points.
  • Spend $10,000 in the first six months to earn another 20,000 points.
  • Make at least one posted eligible purchase within the first 14 months to earn the final 20,000 points.
  • The offer is not available to applicants who held a Scotiabank personal primary or supplementary card in the previous two years, switched from another Scotiabank personal card, or are Scotiabank employees.
  • Apply through the blog partner cash-back site to receive an additional $200 cash reward.

Apply through the referral link

Previous welcome offers

【January 3, 2025 update】 80,000 points, worth $800, plus $175 through the blog partner cash-back site:

  • Spend $3,000 in the first three months for 60,000 points.
  • Spend $10,000 within the first 14 months for another 20,000 points.

【October 31, 2024 update】 60,000 points.

Everyday earn rate

5x: hotels and car rentals booked through Scene+ Travel powered by Expedia. This combines the base 2x Scene+ rate with an additional 3x.

2x: all other eligible purchases. You earn 2 Scene+ points per $1.

Benefits and insurance

  • Airport lounge access (Priority Pass): The primary and supplementary cardholders receive Priority Pass memberships. Each 12-month period, the primary cardholder gets 10 complimentary visits and each supplementary cardholder gets four.

🇨🇦 Canadian credit cards with airport lounge benefits

  • Amex Offers: register for Amex Offers to receive targeted merchant rebates.

Registration link🔗 https://global.americanexpress.com/card-offers/view-all?locale=en-CA

  • Hertz #1 Club Gold membership: Cardholders receive Hertz #1 Club Gold membership.

Travel insurance

Official insurance certificate🔗

  • Travel emergency medical insurance (Travel Emergency Medical Insurance)

Eligible travellers under 65 are covered for up to 31 consecutive days per trip. Eligible travellers aged 65 and over are covered for up to 10 consecutive days. The maximum is $2,000,000 per insured person per trip.

  • Trip cancellation insurance (Trip Cancellation Insurance)

You must charge at least 75% of the trip cost to the card and be forced to cancel for a medical or non-medical reason. The primary cardholder, spouse, and dependent children can receive up to $2,500 per person and $10,000 per trip for eligible non-refundable travel costs and additional ticket-change fees.

  • Trip interruption insurance (Trip Interruption Insurance)

You must charge at least 75% of the trip cost to the card and be forced to interrupt the trip for a medical or non-medical reason. The primary cardholder, spouse, and dependent children can receive up to $5,000 per person and $25,000 per trip for eligible non-refundable travel costs and additional ticket-change fees.

  • Flight delay insurance (Flight Delay Insurance)

You must charge at least 75% of the full ticket price to the card. If the flight is delayed or you miss a connection by four hours or more, eligible insured persons can claim necessary and reasonable living expenses such as hotels and meals, up to $1,000 per insured person per trip.

  • Rental car collision and damage insurance (Rental Car Collision Loss/Damage Insurance)

Pay the full cost of an eligible rental with the card, rent it in your own name, and decline the rental company’s collision damage waiver, loss damage waiver, or similar coverage. Damage or theft is covered up to your liability to the rental company, capped at the vehicle’s actual cash value. The rental cannot exceed 48 consecutive days, and vehicles valued above $65,000 are not covered.

  • Lost baggage insurance (Lost Baggage Insurance)

Pay the full fare for an airline, train, bus, or cruise common carrier with the card. If checked baggage is lost or stolen, coverage is limited to the lower of the baggage’s value or actual replacement cost, up to $1,000 for all insured persons combined.

  • Delayed baggage insurance (Delayed Baggage Insurance)

Pay the full fare for an airline, train, bus, or cruise common carrier with the card. If checked baggage has not arrived four hours after reaching the final destination, eligible replacement essentials are covered up to $1,000 for all insured persons combined per trip.

  • Travel accident insurance (Travel Accident Insurance)

Pay at least 75% of the fare with the card. During travel on a licensed passenger aircraft, cruise ship, train, bus, or similar common carrier, the cardholder, spouse, and eligible dependent children can receive accidental death or dismemberment coverage of up to $500,000 per insured person and $1,000,000 per accident for all insured persons combined.

  • Hotel/motel burglary insurance (Hotel/Motel Burglary Insurance)

When staying at a hotel or motel in Canada or the United States and paying the accommodation with the card, insured personal property stolen after a forced entry can be covered for the cardholder, spouse, and accompanying dependent children. After payments from the hotel or other applicable insurance, the remaining amount is covered up to $1,000.

Purchase insurance

  • Mobile device insurance (Mobile Device Insurance)

New phones, smartphones, and tablets purchased on or after July 1, 2022 are covered when the full device cost is charged to the card, or when the full wireless bill for an instalment plan is charged to the card. Loss, theft, accidental damage, or mechanical breakdown is covered up to $1,000.

  • Purchase protection (Purchase Protection)

Most items purchased worldwide are covered against theft, loss, or damage when the full cost is charged to the card. Coverage lasts 120 days from purchase, with a lifetime maximum of $60,000. Reimbursement is limited to the lower of repair cost, replacement cost, or the original purchase price, and applies only after other insurance has paid what it covers.

  • Extended warranty protection (Extended Warranty Protection)

For most items paid for in full with the card, the manufacturer’s warranty is extended to twice its original term, for up to one additional year and a maximum total coverage period of two years. The lifetime maximum is $60,000, and reimbursement is limited to the lower of repair cost, replacement cost, or the original purchase price. Items with a manufacturer warranty of five years or more must be registered during the first year after purchase.