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Scotiabank Platinum American Express® Card full review

Check out this Scotiabank Platinum American Express® Card review to balance advantages and disadvantages before applying for it!

Scotiabank Platinum American Express® Card: earn points on all eligible purchases

Read our Scotiabank Platinum American Express® Card review. Source: The Mister Finance.
Read our Scotiabank Platinum American Express® Card review. Source: The Mister Finance.

This Scotiabank Platinum American Express® Card review is worth reading if you seek exclusivity. 

Although the annual fee may seem intimidating, the card gathers everything an exclusive cardholder needs.

Scotiabank Platinum American Express® Card

How to apply for the Scotiabank Platinum card?

See how to apply for a Scotiabank Platinum American Express® Card and earn up to $2,100 in value, including up to 60,000 bonus Scene+ points!

Credit ScoreGood – Excellent 
APR9.99 % on purchases;9.99 % on cash advances and balance transfers
Annual Fee$399
FeesEach supplementary Card: $99/year;
No foreign transaction fees;
Dishonoured payment fee: $48;
Non-sufficient funds fee: $48;
Replacement sales draft, cash advance draft or monthly statement fee: $5;
Overlimit: $29;
Cash advance counter fee: $5;
Credit Balance Administration fee: the lesser of $25.00 or the amount of credit balance;
and others.
Welcome bonusUp to $2,100 in value in the first 14 months, including up to 60,000 bonus Scene+ points (conditions apply)
Rewards2X the Scene+™ points for each dollar spent on all eligible purchases

Now, keep reading to learn more about the pros and cons of adding this Amex to your wallet! 

How does the Scotiabank Platinum American Express® Card work?

Scotiabank Platinum American Express® Card suits people looking for convenient, flexible, and secure payment methods. 

Also, it offers an interest-free period on purchases along with a complete range of rewards.

Firstly, the card features one of the most generous welcome bonuses among the competition. To sum up, you can earn up to $2,100 in value within the first 14 months, including up to 60,000 bonus Scene+ points (conditions apply).

Also, adding this Scotia credit card to your wallet will bring you 2X the Scene+™ points for each dollar you spend on all eligible purchases.

Besides, there are no foreign transaction fees, although other fees apply, including an annual $99 for each supplementary card.

Of course, a card like this wouldn’t lack travel privileges. Then, take a look at all you can get:

  • Ten complimentary airport lounge access;
  • Flexible redemption plan;
  • Premium concierge services;
  • Access to American Express Invites;
  • VIP Pass to exclusive events;
  • Hertz #1 Club Gold Membership.

In addition, the card provides you with comprehensive insurance coverage.

You may watch out for the annual fee, though.

Scotiabank Platinum American Express® Card benefits

See the eligibility requirements. Source: Canva.
See the eligibility requirements. Source: Canva.

As an elite card, it suits its public. It wouldn’t be suitable for those who cannot afford a high annual fee.

On the other hand, the top benefits overshadow the costs.

Pros

  • It offers a welcome bonus, a good reward rate, and intro APRs;
  • It features travel privileges, including access to lounges;
  • It offers a credit limit of at least $10,000;
  • It doesn’t charge foreign transaction fees;
  • It provides insurance coverage.

Cons

  • The annual fee is quite high.

Pre-approved credit cards for low credit score available now

We analyzed your profile and found some offers that you can apply for today.

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How good does your credit score need to be?

Certainly, a card like this would require good creditworthiness. It is important to address that every application impacts your credit. So, apply for the card only if you are sure your credit reports are solid.

How to apply for a Scotiabank Platinum American Express® Card?

If you want to access travel privileges, rewards, and vast protection, learn how to apply for a Scotiabank Platinum American Express® Card.

Scotiabank Platinum American Express® Card

How to apply for the Scotiabank Platinum card?

See how to apply for a Scotiabank Platinum American Express® Card and earn up to $2,100 in value, including up to 60,000 bonus Scene+ points!

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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