wealthgeist
Scene+ · Amex
Scotiabank Platinum American Express Card
Scene+ rewards on eligible spending. Compare the earn rates and conditions with where you shop.
- Annual fee
- $399
- Foreign transaction fee
- 0%
- Purchase APR
- 9.99%
Free · No account needed
Card details reviewed
You want Scene+ rewards and will use the available redemption options.
Extra rewards and benefits need to outweigh the annual fee. Interest can outweigh rewards if you carry a balance.
Your estimate
See the rewards after fees, based on where you actually shop.
Your spending is ready to use.
Calculate with my spendingAn estimate, not a guarantee. Approval is up to the issuer.
Rewards
Current rates. Conditions and limits matter as much as the headline number.
- All eligible purchases
- 2 points per $1
Merchant coding and eligibility determine the rate. Rates do not add together unless the issuer explicitly allows it.
Using your rewards
The calculator’s standard value is 1¢ per point. Your redemption choice can change the value.
Redemption value depends on how you use your rewards. Check the issuer’s redemption terms before comparing points with cash.
Welcome offer
Earn up to 60,000 bonus Scene+ points ($600 value) in first 3 months
Fees and eligibility
Paying interest can outweigh the rewards you earn.
- Annual fee
- $399
- Additional card
- $99
- Purchase interest rate
- 9.99%
- Cash advance interest rate
- 9.99%
- Foreign transaction fee
- 0%
Who can apply?
- Personal income
- $12,000
Meeting published income criteria does not guarantee approval. Other eligibility conditions and fees may apply.
More fees and conditions
1200000
Benefits
Value the benefits you will use—not every advertised perk.
Card benefits
Check the issuer’s benefit guide for the full list.
Similar cards
Related reward programs and fees—not a ranking for your spending.
Common questions
Is Scotiabank Platinum American Express Card worth the annual fee?
It depends on whether the extra rewards and benefits you actually use outweigh the $399 annual fee. Use your spending to compare the ongoing value after fees.
Does this card charge a foreign transaction fee?
The published foreign transaction fee is 0%. Exchange rates and other applicable charges can still affect your cost. See the issuer’s terms.
How does WealthGeist calculate my estimate?
We match eligible spending to each card’s reward rules, account for spending limits and subtract fees. You can check the breakdown and adjust assumptions. Welcome offers and ongoing rewards are shown separately.
How we compare