[Updated August 18, 2026] The blog partner has increased its extra cash reward to $200, in addition to the card’s 100,000-point welcome offer.

Apply through the referral link

Highlights

  • Comprehensive travel insurance
  • Airport lounge access: 10 visits for the primary cardholder and four for supplementary-card holders

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

Welcome offer

[Current 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 link to receive the additional $200 cash reward.

Apply through the referral link

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

Everyday earn rate

  • 5x Scene+ points on hotels and car rentals booked through Scene+ Travel powered by Expedia. This combines the base 2x rate with an additional 3x rate.
  • 2x Scene+ points on all other eligible purchases.

Benefits and insurance

  • Priority Pass lounge access: 10 visits per 12 months for the primary cardholder and four visits for supplementary-card holders.
  • Amex Offers: register for targeted offers through Amex.
  • Hertz #1 Club Gold: complimentary membership benefits.

🇨🇦 Canadian credit cards with airport lounge benefits

Travel insurance

  • Travel emergency medical insurance: up to 31 days per trip for travellers under 65, or 10 days for travellers aged 65 and over.
  • Trip cancellation and interruption insurance: when at least 75% of the trip is charged to the card, cancellation coverage is up to $2,500 per person and $10,000 per trip; interruption coverage is up to $5,000 per person and $25,000 per trip.
  • Flight delay insurance: after a four-hour delay, up to $1,000 for eligible expenses.
  • Rental car collision and damage insurance: covers the full rental cost for rentals of up to 48 days, with a maximum vehicle value of $65,000.
  • Delayed and lost baggage insurance: up to $1,000.
  • Travel accident insurance: $500,000 per person and $1 million per occurrence.
  • Hotel or motel burglary insurance: up to $1,000.

The travel-insurance amounts depend on paying the required share of the trip with the card. Review the certificate for covered causes, pre-existing-condition rules, and claim procedures before relying on the benefits.

Purchase insurance

  • Mobile device insurance: up to $1,000.
  • Purchase security and extended warranty protection: purchase protection for 120 days and an extended warranty of up to two years.

The card’s other travel and lifestyle benefits include the Scene+ Travel portal, airport-lounge access, Amex Offers, and Hertz status. Lounge visits and insurance are most valuable when the cardholder travels often enough to use them.