Scotiabank Platinum American Express Card review
Jun 6, 2025
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Overall rating
First year value
$2,581
Get this card if you:
- travel often and want premium travel perks like lounge access
- want to avoid paying foreign exchange fees
- value a great welcome offer
At a glance
The Scotiabank Platinum American Express® Card is a premium travel rewards credit card offering elevated earn rates on all eligible purchases, with additional benefits such as complimentary airport lounge access and comprehensive travel insurance. It charges no foreign transaction fees and provides access to exclusive events.
Highlights
$2,581
First year value
up to 80,000 points
Welcome bonus
$399
Annual fee
Interest Rates
9.99%
Purchase APR
9.99%
Balance transfer APR
9.99%
Cash advance APR
Eligibility
Good
Recommended credit score
$12,000
Required annual personal income
Quick overview
If you fancy yourself a jet setter who enjoys the finer things in life, the Scotiabank Platinum American Express Card might be the choice for you. With it, you get extensive travel insurance and don’t have to pay foreign exchange fees (no foreign transaction fees apply). And, the best part, in this humble writer’s opinion? Access to over 1,200 Priority Pass and Plaza Premium airport lounges with ten free visits a year (which is more than the standard four to six free passes most other cards provide).
✅ Who is the Scotiabank Platinum American Express Card for?
"The Scotiabank Platinum American Express Card is an ideal option for the seasoned traveller who wants luxurious travel perks, big rewards and comprehensive insurance but hates foreign transaction fees."
Cory Santos, Money.ca credit card expert
This card is designed for you, the frequent traveler who indulges in luxury while seeing the world. If you're jet-setting across borders regularly, you'll benefit from the waived foreign transaction fees and the comfort of over 1,200 VIP airport lounges. The comprehensive travel insurance adds a layer of security to your adventures. You're the type who will make the most of the Scene+ points, racking them up with your travel and everyday purchases, and redeeming them for more travel, dining out, or entertainment experiences.
But the card is also ideal for dining and entertainment spenders, as well as Scene+ program loyalists. It's for the discerning spender who sees the annual fee as an investment into a lifestyle of convenience and luxury, ensuring each dollar spent brings you closer to your next getaway or experience. However, if your travels are infrequent or you're more conservative with your spending, you might find a better fit with a lower fee card.
Applicant
Key benefits
Why they'll love it
Frequent international travellers
No foreign transaction fee
Saves 2.5% on all foreign currency purchases
Dining and entertaining enthusiasts
Accelerated earn rate on dining and entertainment
Quickly accumulates Scene+ points on preferred spending categories
Scene+ loyalists
2X the Scene+ points for every $1 spent on all eligible purchases
Maximizes point earning across all spending for valuable Scene+ redemptions
Pros and cons
Pros
- The card offers a competitive low interest rate on purchases, cash advances, and balance transfers
- Comprehensive insurance coverage
- Complimentary Airport lounge access
- No foreign transaction fees
- Ideal for travelers as it has no foreign transaction fees
- Offers a substantial welcome bonus that includes up to 80,000 Scene+ points
- Enjoy premium perks like Hertz #1 Club Gold membership and concierge services.
Cons
- High annual fee: At $399, the annual fee is steep, which could offset the rewards and benefits for some cardholders
- Below average rewards rate: Lower compared to other cards with similar or lower annual fees
- Limited American Express acceptance: Especially outside major cities
- Rewards potential: The net rewards potential is relatively low when considering the high annual fee
- Non-transferable points: Scene+ points cannot be transferred to other rewards programs
💰 Current welcome bonus
The Scotiabank Platinum American Express Card impresses right from the start. New accounts enjoy a sign-up bonus that more than makes up for that premium $399 annual fee:
- Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points.
- Earn 2x Scene+ points for every $1 spent on all other eligible purchases
-
No maximum earning cap mentioned for the 2X points on purchases
- Earn up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Top tip: Amex Offers
Keep an eye on your American Express account for exclusive Amex Offers. These can include statement credits or bonus points for shopping at specific retailers and can help you quickly max out your Scene+ points
Redemption category
Award options
Travel 🌎
Flights, hotels, vacation packages, car rentals, cruises
Statement credits 💳
Reduce your credit card balance
Merchandise and gift cards 🛍️
Electronics, home goods, retailer gift cards
Dining and entertainment 🍽️🎬
Movie tickets, restaurant redemptions
Experiences 🎭
Exclusive events and experiences
Ready to start redeeming? It’s straightforward to redeem Scene+ points with the Scotiabank Platinum American Express credit card:
- Visit sceneplus.ca
- Log in to your Scene+ account
- Browse through the redemption options
- Pick your poison (er, reward) and follow the prompts
Scene+ points never expire as long as your account is open and in good standing. So, feel free to save up for that dream vacay or go on a shopping spree whenever the mood strikes.
- No foreign transaction fee on any foreign currency purchases, including online shopping and when traveling abroad.
- 10 complimentary airport lounge passes per year.
- Access to Scene+ Travel for booking and redeeming travel with no restrictions.
- Premium concierge services for various personal assistance tasks.
Scene+ hidden feature: Price match protection
Found a better deal elsewhere? Scene+ Travel has a price match guarantee. If you find a lower price within 24 hours of booking, they'll refund the difference.
| Coverage | Protection amount |
|---|---|
| Travel emergency medical insurance | 31 days of coverage for those under 65, and 10 days for 65 and over up to $2,000,000 per insured person per trip. |
| Travel accident insurance | Up to $500,000 per insured person, $1,000,000 per occurrence. |
| Trip cancellation | $2,500 per insurance person, maximum $10,000 per trip. |
| Trip interruption | $5,000 per insurance person, maximum, $25,000 per trip. |
| Lost/delayed luggage insurance | Up to $1,000 per trip. |
| Hotel/motel burglary insurance | Up to $1,000 per burglary occurrence. |
| Rental car insurance | 48 days for vehicles up to $65,000. |
| Purchase security insurance | Up to 120 days post purchase, maximum $60,000 lifetime. |
| Extended warranty insurance | Up to 2 years, maximum $60,000 lifetime |
| Flight delay | Up to $1,000 per insured person per trip for eligible expenses. |
| Purchase security | Coverage for 120 days from the date of purchase, up to $60,000 per lifetime. |
| Mobile device | Up to $1,000 coverage for new mobile devices against loss, theft, accidental damage, or mechanical failure. |
- Access to exclusive Amex Offers and invites
- Access to VIP events
- Hertz #1 Club Gold Membership
Hertz #1 Club gold membership benefits
Enjoy speedier service, less paperwork, and other special privileges and benefits at over 8,500 locations across 147 countries:
- Get on the road faster by bypassing the rental counter for both pick-up and drop-off
- Hertz FastLane: Powered by CLEAR®, exit the gate in 30 seconds or less at participating locations
- Select your preferred vehicle from Hertz's best fleet and hit the road
- Earn 1 Hertz Gold Plus Rewards point for every $1 spent on rentals
- Add your spouse or domestic partner as an additional driver at no extra cost in the US
- Enjoy up to 10% off the base rate in Australia and New Zealand, and 5% off in other locations worldwide
up to 100,000 points
Welcome Bonus
$471
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to 100,000 Membership Rewards® points* - that’s up to $1,000 towards a weekend away.
Get this card if you...
- are a frequent traveler who wants luxury perks like lounge access
- want to rack up rewards quickly
- want great travel insurance, perks and concierge services
Annual Fee & Annual Interest Rates
$799
Annual Fee
21.99% - 29.99%
Purchase
Our Take
The American Express Platinum Card® is a premium travel rewards credit card offering elevated Membership Rewards® points on eligible purchases, with a substantial welcome bonus for new cardholders. Cardholders enjoy exclusive benefits such as access to over 1,400 airport lounges worldwide† through the American Express Global Lounge Collection™, comprehensive travel insurance, and personalized concierge services.
Eligibility
Excellent (740+)
Recommended Credit Score
Pros
- Access to a wide range of luxury perks, including premium concierge service
- Complimentary lounge membership providing access to over 1,400+ airport lounges worldwide†
- Annual statement credits: $200 annual travel credit, $200 annual dining credit
- Special insurance coverages like trip cancellation/interruption, flight delay, lost or stolen baggage and rental car theft & damage.
- Provides extended warranty (2 years) and purchase protection (120 days).
Cons
- High annual fee of $799, one of the heftiest among Canadian cards
- The rewards system can be complicated, especially for users not familiar with maximizing credit card points
- Requires good to excellent credit for eligibility
Annual Interest Rates
21.99% - 29.99%
Purchase
30%
Penalty
Fees
$799
Annual Fee
2.50%
Foreign Transaction
$45
Return Penalty
Rewards Membership Rewards
2x
points for every $1 in Card purchases on eligible dining and food delivery in Canada
2x
points for every $1 in Card purchases on eligible travel
1x
point for every $1 in all other Card purchases
1
additional point on Amex Travel Online for eligible hotel or car rental bookings
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away! Here's how:
New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership
Terms and Conditions Apply.
Our Take
The American Express Platinum Card® is a premium travel rewards credit card offering elevated Membership Rewards® points on eligible purchases, with a substantial welcome bonus for new cardholders. Cardholders enjoy exclusive benefits such as access to over 1,400 airport lounges worldwide† through the American Express Global Lounge Collection™, comprehensive travel insurance, and personalized concierge services.
Eligibility
Excellent (740+)
Recommended Credit Score
Pros
- Access to a wide range of luxury perks, including premium concierge service
- Complimentary lounge membership providing access to over 1,400+ airport lounges worldwide†
- Annual statement credits: $200 annual travel credit, $200 annual dining credit
- Special insurance coverages like trip cancellation/interruption, flight delay, lost or stolen baggage and rental car theft & damage.
- Provides extended warranty (2 years) and purchase protection (120 days).
Cons
- High annual fee of $799, one of the heftiest among Canadian cards
- The rewards system can be complicated, especially for users not familiar with maximizing credit card points
- Requires good to excellent credit for eligibility
Annual Interest Rates
21.99% - 29.99%
Purchase
30%
Penalty
Fees
$799
Annual Fee
2.50%
Foreign Transaction
$45
Return Penalty
Rewards Membership Rewards
2x
points for every $1 in Card purchases on eligible dining and food delivery in Canada
2x
points for every $1 in Card purchases on eligible travel
1x
point for every $1 in all other Card purchases
1
additional point on Amex Travel Online for eligible hotel or car rental bookings
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away! Here's how:
New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership
Terms and Conditions Apply.
The Scotiabank option has a lower annual fee of $399 compared to $799 for the Amex Platinum. While both cards offer generous welcome bonuses, the Amex Platinum's welcome offer surpasses the up to 80,000 points points offered by Scotiabank, albeit with a higher spending requirement to unlock the full bonus.
In terms of earning points, the Scotiabank card provides a flat rate of 2X the Scene+ points for every $1 spent on all eligible purchases, while the Amex Platinum offers 2X points on dining and food delivery purchases in Canada and 1X point on everything else. The Scotiabank card is less limiting than the Platinum Amex in terms of rewards.
Both cards offer extensive insurance coverage, however, it's worth noting that the Amex Platinum doesn’t provide travel medical coverage for cardmembers over the age of 65, which is a significant consideration for older travellers. The Amex Platinum also boasts superior travel perks such as unlimited access to over 1,400 airport lounges worldwide, elevated hotel services and a $100 NEXUS◊ statement credit – which are tailored for the frequent and luxury-focused traveler.
| Scotiabank Platinum American Express Card | The Platinum Card by American Express |
|---|---|
|
Annual fee:
$399 |
Annual fee:
$799 |
|
Income:
$12,000 (personal) |
Income:
N/A |
|
Welcome bonus:
Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points. |
Welcome bonus:
Earn up to 100,000 Membership Rewards® points* - that’s up to $1,000 towards a weekend away. |
|
Rewards:
• Earn 2x Scene+ points for every $1 spent on all other eligible purchases • Earn up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia |
Rewards:
• Earn 2X points on eligible dining and food delivery purchases in Canada • Earn 2X points on eligible travel • Earn 1X point on everything else • Earn 1 additional point on eligible hotel or car rental bookings at Amex Travel |
|
Perks:
• 10 airport lounge passes • No foreign transaction fees • Access to Amex offers |
Perks:
• $100 NEXUS◊ statement credit • Unlimited lounge access through the American Express Global Lounge Network • Statement credits for hotels and travel |
Disclosures:
-
Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
up to 60,000 points
Welcome Bonus
$680
First Year Value
$80
Annual Value
Welcome Bonus: Earn up to 60,000 Membership Rewards® points*.
Get this card if you...
- are a frequent traveller who wants to earn flexible rewards
- want a great welcome bonus and rewards on everyday spending
- want great travel perks and comprehensive travel insurance
Annual Fee & Annual Interest Rates
$250
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
Our Take
The American Express® Gold Rewards Card is a travel credit card that allows cardholders to earn points on everyday purchases, with accelerated rates for categories such as gas, groceries, and travel. These points can be flexibly redeemed for travel bookings, merchandise, or transferred to various airline and hotel loyalty programs, offering versatility for those seeking to maximize rewards on routine expenditures.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
Pros
- Generous welcome bonus of up to 60,000 Membership Rewards® points.
- Convertibility of Member Rewards® points to popular airline and hotel loyalty programs (e.g. Aeroplan, Marriott).
- Earn two points per dollar on travel, gas, grocery and drugstore purchases.
- $100 annual travel credit when booking through American Express® Travel online.
- Built-in travel medical insurance and trip coverage.
Cons
- $250 annual fee.
- 2.5% foreign transaction fee.
- Travel medical insurance only covers those under age 65.
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$250
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
2
Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada
2
Earn 2 points for every $1 in Card purchases on eligible travel purchases, including flights, hotels, car rentals, and more
1
Earn 1 point for every $1 in Card purchases everywhere else
1
Earn 1 additional Membership Rewards point for every $1 you charge to your Gold Rewards Card on eligible hotel or car rental bookings made with American Express Travel
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 60,000 Membership Rewards® points*
Our Take
The American Express® Gold Rewards Card is a travel credit card that allows cardholders to earn points on everyday purchases, with accelerated rates for categories such as gas, groceries, and travel. These points can be flexibly redeemed for travel bookings, merchandise, or transferred to various airline and hotel loyalty programs, offering versatility for those seeking to maximize rewards on routine expenditures.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
Pros
- Generous welcome bonus of up to 60,000 Membership Rewards® points.
- Convertibility of Member Rewards® points to popular airline and hotel loyalty programs (e.g. Aeroplan, Marriott).
- Earn two points per dollar on travel, gas, grocery and drugstore purchases.
- $100 annual travel credit when booking through American Express® Travel online.
- Built-in travel medical insurance and trip coverage.
Cons
- $250 annual fee.
- 2.5% foreign transaction fee.
- Travel medical insurance only covers those under age 65.
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$250
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
2
Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada
2
Earn 2 points for every $1 in Card purchases on eligible travel purchases, including flights, hotels, car rentals, and more
1
Earn 1 point for every $1 in Card purchases everywhere else
1
Earn 1 additional Membership Rewards point for every $1 you charge to your Gold Rewards Card on eligible hotel or car rental bookings made with American Express Travel
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 60,000 Membership Rewards® points*
The Scotiabank Platinum American Express Card and the American Express® Gold Rewards Card both offer excellent rewards, but they cater to different types of spenders. The Scotiabank Platinum Amex provides a higher earn rate on groceries, gas, dining, and entertainment, making it ideal for people who prioritize everyday spending categories. It also offers comprehensive travel insurance but comes with a high annual fee.
On the other hand, the Amex Gold Rewards Card is more flexible with a strong rewards program across multiple categories, especially travel-related purchases, and offers the ability to transfer points to airline partners. However, its earn rate on everyday purchases is lower than Scotiabank's card.
You might choose the Scotiabank card for its strong daily rewards and insurance, while frequent travelers looking for flexibility and travel partnerships might lean towards the Amex Gold Rewards Card despite its lower base earn rate.
| Scotiabank Platinum American Express Card | American Express® Gold Rewards Card |
|---|---|
|
Annual fee:
$399 |
Annual fee:
$250 |
|
Income:
$12,000 (personal) |
Income:
N/A |
|
Welcome bonus:
Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points. |
Welcome bonus:
Earn up to 60,000 Membership Rewards® points*. |
| Rewards:• Earn 2x Scene+ points for every $1 spent on all other eligible purchases• Earn up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia |
Rewards:
• Earn 2 Membership Rewards points on travel, including eligible flights, hotels, car rentals, cruises, and more • Earn 2 Membership Rewards points on gas, grocery and drugstore purchases in Canada • Earn 1x point on everything else • Earn an additional 1 Membership Rewards point when booking travel through the American Express Travel website |
|
Perks:
• 10 airport lounge passes • No foreign transaction fees • Access to Amex offers |
Perks:
• $50 NEXUS◊ statement credit • 4 airport lounge passes |
Disclosures:
-
Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. Conditions apply. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
up to 60,000 pts*
Welcome Bonus
$1,812
First Year Value
$312
Annual Value
Welcome Bonus: Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points* Expires Jul 01, 2026
Get this card if you...
- travel often and want premium travel perks like lounge access
- want to avoid paying foreign exchange fees
- appreciate a good welcome offer
Annual Fee & Annual Interest Rates
$150
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- No FX fees means the card saves you significant expenses on foreign transaction fees
- Earn up to 3x Scene+ points per $1 spent on eligible purchases
- Flexible and straightforward redemption program
- Visa acceptance globally compared to American Express, especially outside major cities
- Enjoy six annual visits to airport lounges
- Robust insurance offerings, including extended travel emergency medical coverage
- Access to Visa Infinite Program benefits, with added advantages like a free supplementary card
Cons
- High annual fee
- Limited rewards categories for earning reward max rate on purchases
- Primarily best for travel within Canada
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points*. Here's how:
$400 in travel rewards (40,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months
$100 in travel rewards (10,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $10,000 within the first 6 months
$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus).
$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients
$134 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
$369 in first year point earn potential (36,900 bonus Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories.
$364 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$364/USD$259). Currency conversion as at November 3, 2025.
To qualify for this offer, make sure to apply for and open a new Scotiabank Passport Visa Infinite credit card account (“Account”) between January 2, 2026 and July 1, 2026.
*Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of November 4, 2025. Terms and Conditions Apply.
Rates, fees and other information are effective as of Jan 2,2026. Subject to change.
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- No FX fees means the card saves you significant expenses on foreign transaction fees
- Earn up to 3x Scene+ points per $1 spent on eligible purchases
- Flexible and straightforward redemption program
- Visa acceptance globally compared to American Express, especially outside major cities
- Enjoy six annual visits to airport lounges
- Robust insurance offerings, including extended travel emergency medical coverage
- Access to Visa Infinite Program benefits, with added advantages like a free supplementary card
Cons
- High annual fee
- Limited rewards categories for earning reward max rate on purchases
- Primarily best for travel within Canada
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points*. Here's how:
$400 in travel rewards (40,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months
$100 in travel rewards (10,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $10,000 within the first 6 months
$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus).
$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients
$134 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
$369 in first year point earn potential (36,900 bonus Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories.
$364 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$364/USD$259). Currency conversion as at November 3, 2025.
To qualify for this offer, make sure to apply for and open a new Scotiabank Passport Visa Infinite credit card account (“Account”) between January 2, 2026 and July 1, 2026.
*Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of November 4, 2025. Terms and Conditions Apply.
Rates, fees and other information are effective as of Jan 2,2026. Subject to change.
Both cards are designed with the traveler in mind, but they cater to slightly different needs and spending habits. You know all about the Scotiabank American Express by now, so let’s look at the Passport Infinite Visa.
The Scotiabank Passport® Visa Infinite* Card offers a more tiered approach, with 3x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, and Foodland, 2x Scene+ points¹ for every $1 you spend at other eligible grocery stores, on dining, entertainment and daily transit options and 1x Scene+ point for every $1 spent on all other purchases.
Both cards offer attractive travel benefits, but the Scotiabank Passport Visa Infinite costs less at just $150 per year. Though it comes with only 6 lounge passes per year, compared to the Amex’s 10 complimentary airport lounge passes per year. Ultimately, the choice between the two will depend on individual spending patterns and travel habits.
| Scotiabank Platinum American Express Card | Scotiabank Passport® Visa Infinite* Card |
|---|---|
|
Annual fee
:$399 |
Annual fee:
$150 |
|
Income:
$12,000 (personal) |
Income:
• $60,000 (personal) • $100,000 (household) |
|
Welcome bonus:
Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points. |
Welcome bonus:
Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points* |
|
Rewards:
• Earn 2x Scene+ points for every $1 spent on all other eligible purchases • Earn up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia |
Rewards:
• Earn 3x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more. • Earn 2x Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more) • Earn 1x Scene+ point for every $1 spent on all other eligible everyday purchases |
|
Perks:
• 10 airport lounge passes • No foreign transaction fees • Access to Amex offers |
Perks:
• 6 airport lounge passes through Visa Airport Companion • Visa Infinite Program benefits |
Disclosures:
-
Rates, fees and other information are effective as of January 3, 2025. Subject to change.
Conditions Apply. Visit here for the Scotiabank Passport® Visa Infinite* Card to learn more.
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
up to 85,000 pts†
Welcome Bonus
$3,067
First Year Value
$67
Annual Value
Welcome Bonus: Earn up to $3,000 in value† including up to 85,000 Aeroplan points† could be yours. Conditions Apply.
Get this card if you...
- want exclusive travel perks like lounge access
- want to maximize your Aeroplan points with great offers
- want comprehensive travel insurance to ensure peace of mind
Annual Fee & Annual Interest Rates
$599
Annual Fee
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The TD® Aeroplan® Visa Infinite Privilege* Card is a premium travel rewards credit card tailored for frequent Air Canada travelers, offering elevated Aeroplan points on direct Air Canada purchases, as well as on eligible gas, grocery, travel, and dining expenses. Cardholders benefit from perks such as a partial NEXUS application fee rebate†, complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights†, and access to select airport lounges†; however, the card carries a substantial annual fee and requires a high personal or household income for eligibility.
Eligibility
Excellent (740+)
Recommended Credit Score
$150,000
Required Annual Personal Income
$200,000
Required Annual Household Income
Pros
- Welcome bonus up to $3,000 in value† including up to 85,000 Aeroplan points†
- Complimentary Maple Leaf Lounge† access and six worldwide lounge visits annually†
- Priority Airport Services† like Boarding, Baggage Handling, and Priority Boarding
- High Aeroplan® earn rates, double points on eligible Air Canada purchases
- Extensive travel insurance benefits
- Free checked bags on Air Canada
- Preferred Pricing on Aeroplan® flight rewards
- Visa Infinite Privilege* designation perks (e.g. DragonPass membership)
- Up to $100 CAD NEXUS credit†
- Troon Rewards Platinum status benefit
Cons
- Steep annual fee of $599
- High eligibility requirements ($150,000 personal or $200,000 household income)
- Additional cardholder fee of $199
- High-value rewards mainly for Air Canada flights
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$599
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
2 points†
Earn 2 points† for every $1 spent on eligible purchases made directly with Air Canada® including Air Canada Vacations®.
1.5 points†
Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
1.25 points†
Earn 1.25 points† for every $1 you charge to your Card on all other purchases.
6
Get 6 lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide with DragonPass†
2x
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
50%
Get 50% more Aeroplan points at Starbucks when you link your TD card with your Starbucks® Rewards account. Conditions Apply.
$100
Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
1st
Get your 1st checked bag free for you and up to eight companions† when your travel originates on an Air Canada flight.
10%
Get 10% savings at Avis and Budget in North America, 5% off internationally†
Insurance Benefits
$1,500
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to $3,000 in value† including up to 85,000 Aeroplan points and additional travel benefits. Conditions Apply.
Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card†
Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Additional Travel Benefits
Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†
Disclosures:
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
Our Take
The TD® Aeroplan® Visa Infinite Privilege* Card is a premium travel rewards credit card tailored for frequent Air Canada travelers, offering elevated Aeroplan points on direct Air Canada purchases, as well as on eligible gas, grocery, travel, and dining expenses. Cardholders benefit from perks such as a partial NEXUS application fee rebate†, complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights†, and access to select airport lounges†; however, the card carries a substantial annual fee and requires a high personal or household income for eligibility.
Eligibility
Excellent (740+)
Recommended Credit Score
$150,000
Required Annual Personal Income
$200,000
Required Annual Household Income
Pros
- Welcome bonus up to $3,000 in value† including up to 85,000 Aeroplan points†
- Complimentary Maple Leaf Lounge† access and six worldwide lounge visits annually†
- Priority Airport Services† like Boarding, Baggage Handling, and Priority Boarding
- High Aeroplan® earn rates, double points on eligible Air Canada purchases
- Extensive travel insurance benefits
- Free checked bags on Air Canada
- Preferred Pricing on Aeroplan® flight rewards
- Visa Infinite Privilege* designation perks (e.g. DragonPass membership)
- Up to $100 CAD NEXUS credit†
- Troon Rewards Platinum status benefit
Cons
- Steep annual fee of $599
- High eligibility requirements ($150,000 personal or $200,000 household income)
- Additional cardholder fee of $199
- High-value rewards mainly for Air Canada flights
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$599
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
2 points†
Earn 2 points† for every $1 spent on eligible purchases made directly with Air Canada® including Air Canada Vacations®.
1.5 points†
Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
1.25 points†
Earn 1.25 points† for every $1 you charge to your Card on all other purchases.
6
Get 6 lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide with DragonPass†
2x
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
50%
Get 50% more Aeroplan points at Starbucks when you link your TD card with your Starbucks® Rewards account. Conditions Apply.
$100
Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
1st
Get your 1st checked bag free for you and up to eight companions† when your travel originates on an Air Canada flight.
10%
Get 10% savings at Avis and Budget in North America, 5% off internationally†
Insurance Benefits
$1,500
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to $3,000 in value† including up to 85,000 Aeroplan points and additional travel benefits. Conditions Apply.
Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card†
Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Additional Travel Benefits
Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†
Disclosures:
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
The TD Aeroplan VIP Card is ideal for those who frequently fly with Air Canada and want to earn Aeroplan points. It offers a generous welcome bonus of up to 115,000 Aeroplan points and provides Air Canada benefits such as priority check-in and boarding. The earn rate is competitive, especially for Air Canada purchases.
While it doesn’t waive foreign transaction fees, it does offer a NEXUS fee rebate, which can be valuable for frequent cross-border travellers.
On the other hand, the Scotiabank Platinum American Express offers a solid value proposition for Canadian travellers. Its standout feature is the lack of foreign transaction fees, which can lead to significant savings for those who frequently make purchases abroad or in foreign currencies online. The card also provides a competitive earn rate on all purchases, making it simple to rack up rewards quickly.
| Scotiabank Platinum American Express Card | TD Aeroplan Visa Infinite Privilege |
|---|---|
|
Annual fee:
$399 |
Annual fee:
$599 |
|
Income:
$12,000 (personal) |
Income:
• $150,000 (personal) • $200,000 (household) |
|
Welcome bonus:
Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points. |
Welcome bonus:
Earn up to $3,000 in value† including up to 85,000 Aeroplan points† could be yours. Conditions Apply. |
|
Rewards:
• Earn 2x Scene+ points for every $1 spent on all other eligible purchases • Earn up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia |
Rewards:
• Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®) • Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases. • Earn 1.25 points† for every $1 spent on all other purchases made with your Card • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore) |
|
Perks:
• 10 airport lounge passes • No foreign transaction fees • Access to Amex offers |
Perks:
• 6 airport lounge passes plus unlimited Maple Leaf Lounges visits in Canada • Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†. |
Disclosures:
-
†Terms and conditions apply.
This offer is not available to residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
"Travellers looking for more flexibility with their points may find greater value with the TD Aeroplan Visa Infinite Privilege as they can transfer Aeroplan points to a huge selection of major international airline and hotel loyalty programs."
Cory Santos, Money.ca credit card expert
Compare Scotiabank American Express credit cards
| Scotiabank American Express® Card | Scotiabank Gold American Express® Card | Scotiabank Platinum American Express Card |
|---|---|---|
|
|
|
|
Annual fee:
$0 |
Annual fee:
$120 |
Annual fee:
$399 |
|
Welcome bonus:
up to 7,500 bonus Scene+ points |
Welcome bonus:
up to 45,000 bonus Scene+ points† |
Welcome bonus:
up to 80,000 bonus Scene+ points |
|
Earn rates:
3x Scene+ points† on every $1 you spend at Sobeys, Safeway, Freshco and more; 2x Scene+ points† for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores, including food delivery subscriptions, 2x Scene+ points† for every $1 you spend on eligible entertainment purchases, from movies, theatres, and select streaming services, 2 Scene+ points† for every $1 you spend on eligible gas and daily transit like rideshares and transit and 1x Scene+ point for every $1 spent on all other purchases |
Earn rates:
6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more, 5x Scene+ points for every $1 you spend on dining, food delivery, food subscriptions, other eligible grocery stores, and eligible entertainment purposes, up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia, 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options, including rideshares, buses and subways, as well as eligible select streaming services. and 1 Scene+ point on all other purchases. |
Earn rates:
Earn up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia Earn 2x Scene+ points for every $1 spent on all other eligible purchases |
Disclosures:
-
Conditions Apply. Visit here for the Scotiabank Platinum American Express® Card to learn more.*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
-
Conditions Apply. Visit here for the Scotiabank Gold American Express® Card to learn more.
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
-
Conditions Apply. Visit here for the Scotiabank American Express® Card to learn more. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Read more: Best Scotiabank credit cards
Wondering what real users think about the Scotiabank Platinum American Express Card? Reddit is often a goldmine for honest, unfiltered opinions. Here’s what Redditors have to say:
- 1 Lounge access: ✈️“The 10 free lounge visits per year are great, especially if you’re not a super frequent flyer. It’s a good middle ground between no lounge access and unlimited access cards.” - u/TravelHacker2025
- 2 Insurance coverage: 🛡️“The travel insurance package is comprehensive. It’s one of the main reasons I keep this card in my wallet for trips.” - u/InsuranceSavvy
- 3 Customer service: 👨💼“Scotiabank’s customer service has been hit or miss for me. Sometimes great, sometimes frustrating. Not quite at Amex’s level.” - u/BankingBuff
"For me, I value travel insurance, especially medical insurance out of province, because you never know when you might break a bone and need to go to the hospital. The Scotia Amex Plat is probably one of the few that offers 31 days of travel insurance."
u/uid213
Tip
Explanation
Book travel through Scene+ Travel 🌎
Earn bonus Scene+ points on hotel and car rental bookings made through Scene+ Travel. This elevated earn rate can significantly boost your points balance on travel purchases.
Use the card for foreign transactions 💱
Save 2.5% on foreign transaction fees. While this doesn’t directly earn points, it saves you money on every foreign purchase, effectively increasing the value of your card.
Utilize airport lounge access ✈️
Take advantage of the complimentary airport lounge visits per year. This perk can save you money and enhance your travel experience.
Leverage the concierge service 📱
Use the complimentary concierge service for restaurant reservations, travel planning, and more. This can save you time and potentially money, adding value to your card membership.
Explore Amex Offers 💰
Regularly check and take advantage of Amex Offers for additional savings and point-earning opportunities on your purchases.
Use Scene+ points strategically 🧠
Redeem your points for travel through Scene+ Travel or use the “Apply Points to Travel” option for flexibility. This ensures you’re getting maximum value from your earned points.
Maximize insurance benefits 🚑
Use your card to pay for travel to automatically access comprehensive travel insurance, potentially saving on separate insurance costs.
Is the Scotiabank Platinum American Express Card worth it?
If you’re a frequent traveler who appreciates premium experiences, this credit card could be a perfect fit. It offers a comprehensive travel insurance package—covering everything from emergency medical to trip cancellation—and grants access to 1,200+ airport lounges worldwide, so your journeys start in comfort. With no foreign transaction fees, it’s also a smart pick for international spending. Just keep in mind the hefty annual fee, which only makes sense if you take full advantage of the perks.
Applying for the Scotiabank Platinum Amex Card is simple, with the card only requiring fairly basic Eligiblity requirements:
- Residency: Must be a Canadian resident of the age of majority in your province or territory
- Income: $12,000 personal
- Credit needed: Good
Applying for the Scotiabank Platinum American Express credit card is a straightforward process. Here's a step-by-step guide to help you through the application:
Step
Explained
Check your eligibility
• Ensure you're a Canadian resident• Be of the age of majority in your province or territory • Meet the minimum annual income requirement
Gather information
• Personal details (name, address, DOB)• Employment info • Income requirements
Fill out application
• Check application for accuracy and completion• Review terms & conditions carefully • Add supporting documents (ID, pay stubs, tax files)
Wait for approval
• Online applications often receive instant decisions but paper applications may take longer
Activate
• Once approved, you'll receive your card by mail• Follow the provided instructions to activate it
Disclosures:
-
Conditions Apply. Visit here for the Scotiabank Platinum American Express® Card to learn more.*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
FAQs
Justin da Rosa
Freelance Writer
Justin is a writer and editor who has been covering personal finance for over 10 years. He's written for companies such as KOHO, Ratehub, BMO, Zoocasa, and Questrade, among others. Justin also created a course in Content Creation, which he taught at York University for four years. When not writing, Justin can be found at a live concert, on the golf course, riding a motorcycle, or sailing.
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The content provided on Money.ca is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter. Advertisers are not responsible for the content of this site, including any editorials or reviews that may appear on this site. For complete and current information on any advertiser product, please visit their website.
†Terms and Conditions apply.